Urgent money! Learn how to get a loan through Nubank

Learn how to get a quick and easy loan through the Nubank app

If you are facing financial difficulties or see an opportunity that requires quick capital, Getting a loan It may be a viable option. However, it is essential to choose a loan that suits your needs to avoid falling into financial traps.

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In addition to the interest rate, it is necessary to pay attention to other costs such as the tax on financial operations (IOF) and the total effective cost (CET), as well as possible insurance and additional fees that may be included.

Hey Nubank It offers a practical and efficient way to request a personal loan, and can be completely managed through its mobile application, compatible with Android and iOS.

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In the main dashboard of the app, you will be able to see the maximum loan amount that you have been pre-approved for. From there, following the instructions is very simple.

1. Open the application and select the loan related option.
2. Read and review the instructions provided and move on to the next step where you will calculate the loan terms.
3. Determine why you need the loan.
4. Select the amount you want to borrow, the number of monthly installments and the date of the first payment.
5. Review all the details and move forward with the process.
6. Read the contract carefully and verify the transaction using the four-digit password.

During this process, you have the freedom to decide when you want to make your first payment, which can be within 90 days of getting the loan. The total repayment period can extend up to 24 months.

Understanding fees

Interest rates are customized according to the client profile. All costs associated with the loan are summarized in the total effective cost (CET), which includes both interest rates and IOF. The loan is charged at a rate of 0.38% on the total amount borrowed, in addition to a daily rate of 0.0082%, calculated based on the loan repayment period.

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Nubank automatically withdraws the installments from your digital account, so it’s important to make sure you have enough balance to avoid late fees. Speaking of late, if you don’t pay by the specified date, you will be charged additional interest and a fixed penalty of 2% of the amount due.

Loan cancellation and delay options

If you change your mind, it is possible to cancel the loan within the first seven days of signing up. However, you will have to pay the full loan amount, plus IFC fees. After this initial period, you can choose to make payments in advance with a proportional interest deduction.

Choosing the right loan and understanding all the terms and conditions can help you better handle your financial needs and avoid unpleasant surprises.