Digital Account – Hire A Loan without Leaving Home


Digital Account of Crefisa or simply Crefisa Digital. The Online Loan Application is found in the Play Store and App Store. It was created to help anyone who wants to get their financial lives up to date with online loan options. The main idea is to follow the technological advance of the financial system and offer all the quality of the service already known from the website on the internet, now just a click away with the App.

With Crefisa Digital Account everything will be faster, easier and safer. It’s money wherever you are, on your phone, smartphone, computer or tablet. Hiring personal loans through applications and still have all the advantages, in addition to being able to access 24 hours a day without leaving home, the application and hiring process has simplified.


Crefisa is now Digital

As one of the biggest financiers, it could not be left out of the new generation of banks and digital accounts made for people who live with their smartphones and want something services that look more like Netflix and WhatsApp. In Brazil we are still walking, but in general, everyone wants facilities and the financial market with Fintechs reinventing the banks. Today the alternatives to getting a lump sum of money are getting faster and de-bureaucratized

If you can not or do not want a bank account or are negative, are salaried or self-employed, you know how hard it is to get extra money, mainly borrowed. As these new advances, financials will be connecting all kinds of use with digital technology, especially now that the demand for credit with restriction has increased.

Do loan applications seek more and more potential customers? They offer enough and everything you need in terms of interest and timing just to try to get people to abandon or replace the traditional bank.

You will also like to know what are the interest rates of the crefisa. A big doubt of the users that pass here in the Portal is if the Crefisa loan is or is not consigned discover! Crefisa Financeira makes personal loans without bureaucracy and without consultation.

Digital reliable and secure?


Digital reliable and secure?

There is no reason not to be, the system you use on the site you also use on the cell phone, the difference is that the cell phone is small and the computer is great.   The Crefisa Digital loan by the application is safe from registration to finalization when the money is released to the client’s account.

The most important in the relationship between you (client) and the creditor (Crefisa) being on the internet, is to protect your information and keep it safe, and in the Digital Account of Crefisa your data is protected by a digital certificate system with SSL encryption in the same way that big banks have used, both on Android and on their Iphone.


How to open and how does the Crefisa Digital Account work?

How to open and how does the Crefisa Digital Account work?

The account works like most of the apps you download on your phone, the difference is that this app is unique to performing credit operations and more specifically:

The process is very simple, you download the application here, and once downloaded on your phone, start opening your account by entering your CPF, the system will ask you to read the term and open the PDF of the tariffs otherwise the application will not let you Continue. Pass the screen, open another with name, date of birth, create a password, place your most used email and inform your cell phone. You will need to take a picture live by the App itself. Done this simple step is just continue until the end.

What documents do you need?


What documents do you need?


For those who have CPF suspended, canceled or pending adjustment, it is no use trying to open the account that will not be able to.

  • CNH or RG with the CPF number;
  • Proof of residence: official correspondence, commercial, consumer accounts (water, electricity, telephone, gas) delivered via Mail, with a date of issue of up to 180 days.
  • Proof of income, with the most recent issue date (last month).


What does Crefisa Digital offer of advantages?


What does Crefisa Digital offer of advantages?

Not many things, it is the essential that we have seen there with this flood of digital accounts, but we have been able to list some advantages:

  • Make personal loan for negatives and salaried people
  • Uses as debit card for purchases and withdrawals;
  • Make unlimited withdrawals of available account values;
  • Transfers money between accounts;
  • Transfers money to accounts of other institutions via TED or DOC;
  • Performs payment of bills, bank statements, etc .;
  • Issue and consult balance and statement for internet and mobile;


What are the disadvantages?

What are the disadvantages?


As these digital accounts typically do not have expensive agency networks or vast call centers to maintain them, it’s all in the application, so some tariffs, others are free, have the reduced value.

Crefisa’s digital lending platform will enable registered users who are disregarded by the traditional credit system that does not grant approval for people with restrictions, who are negative or with a low credit score.

As the application installed on your phone or tablet, you will have the opportunity to avail a personal loan without having to run from bank to bank, post office, queuing or going to Lan house, nor having to send a bunch of paperwork and still wait the endless waiting for approval.

Crefisa loan for negatives


The whole country already knows Crefisa, the services and products offered on the website and in the stores spread throughout Brazil helps those who are experiencing difficulties, have little or no money and need immediate and immediate relief to continue the day-to-day journey.



Not everyone needs to know about investments. To properly multiply your savings, you need to have a lot of knowledge and experience. If we do not know what and how to invest our money, better entrust them to specialists. There is a high probability that they will know what to do to improve the state of our finances. If we want to multiply our savings with the help of specialists, it is best to put money into an investment fund. It is with their help that we can increase our financial resources. The specialists in the financial world employed in them know exactly what to do to ensure that fund customers are satisfied and that they make the most profits.

Investment funds are interesting because they take into account the propensity to risk people who pay their money to them. So they can put money into them, those who are willing to risk the hope that they have achieved a higher profit, as well as those who prefer stable, not very high profits, but they are sure that the money paid into the funds will certainly return to them. For we can never be sure exactly whether the fund we choose will bring us profit. There is always a risk that people responsible for managing our money will misinterpret the situation on the financial market and make the wrong choices, which may cause our money or part of us to get lost. This is the investment risk that we always face.

Below we present the division of investment funds, precisely because of the risk of losing our capital.

Below we present the division of investment funds, precisely because of the risk of losing our capital.

Equity funds – as their name suggests, they invest the money entrusted to them in shares. Therefore, they are at very high risk. For it is never quite clear what the actions of companies that the investment fund will have in its portfolio will behave. We often come across equity funds that invest a lot of money in the purchase of shares of companies from one sector of the economy, eg from the energy, information technology or modern technologies. It is commonly said that equity funds are for young people because they are a long-term investment. It is commonly said that in the long run, there is a higher probability that they will bring profit.

Hybrid Funds – funds of this type, invest in various types of securities. We include shares, bank deposits, bonds or currencies. As you can see, these are investment products with a different degree of risk. In this group, we can distinguish two types of funds:

– stable growth funds – invest primarily in shares and securities. However, investments in shares may not exceed 40% of assets that are in possession of funds. The remaining part of the money should be allocated for the purchase of more secure financial instruments.

– balanced funds – they invest in a similar way as stable growth funds, however the number of shares in the portfolio is slightly larger and ranges from 40 to 60%. You can achieve higher profits thanks to this, however there is also a greater risk of losing money.

It is said that the minimum time to invest in this type of funds is 5 years, so it is a medium-term investment.

Debt securities funds – these are funds that invest most of their funds in debt securities, which give you the opportunity to earn regular income. Their share in the investment portfolio should be at least 66%. The Treasury bonds, Treasury bills, bonds issued by private companies, bonds issued by local governments are the most frequently bought ones. They are considered safe and therefore can be a short-term investment.

Cash and money market funds – they owe their name to the instruments they invest in. They are usually bank deposits or instruments whose maturity does not exceed one year. We include debt instruments issued by the State Treasury, the National Bank of Poland or some international institutions to which Poland is a member. These funds are very safe, but they do not give us the opportunity to earn high profits.

We can also divide investment funds due to “openness” to their clients. Therefore, we distinguish here:

Open-end investment fund (FIO) – participation in such a fund can be bought by virtually everyone. We can buy any number of these units, at any time, and at any time we can sell these units.

Specialist open investment fund (SFIO) – it is similar to an open-end investment fund, however, in the fund’s statute there is a certain group of investors who can buy units, as well as conditions to be met in order to acquire them.

Closed-end investment fund (FIZ) – funds of this type issue investment certificates. They may be registered or bearer. Usually, the number of participants in such funds is limited. They can be like shares, in other words by subscription.

Let’s also see what the distribution of funds looks like due to the geographic location of investments:

National market fund – the dominant part of the assets of the funds is invested in securities of institutions established in Poland.

Foreign markets fund – the majority of assets is invested in securities of entities whose registered office is outside our country.

Fund without specific geographical specialization – such funds do not have specific geographic preferences when buying investment securities.

Based on the information provided earlier, we can conclude that there are a lot of different types of investment funds in our country. So if we have free financial resources that we would like to multiply, and we do not know how to do it, it may be worth trusting one of the investment funds and buying participation units. However, we must be aware that there is no guarantee that the funds invested will return to us, because each investment is more or less risky.