GeRu uses its data only to formalize the loan application, after all, this financial transaction depends on the minimum of a client’s documentation to analyze their credit, and this procedure is carried out online, with the most modern technology to avoid the action of invaders on the web.
For this reason the GeRu platform is protected by some fundamental systems to guarantee the safety of its users. Geotrust, which is one of the largest certifiers in the world, Amazon Web Services, which acts to prevent data theft by crackers – using a cloud computing system – and finally Click Sign that offers the security of signed contracts with validity guaranteed by Marketplace.
Therefore, GeRu acts with total transparency regarding the payment of any amount. All this process is done by means of a loan explanatory document in a clear and objective way, avoiding clauses difficult to understand.
How does personal loan work at GeRu?
The loan at GeRu can be broken down into a few steps. See further details below:
First of all you must inform the amount, the terms you want to repay the loan as well as its purpose.
Then you must fill in all the fields correctly informing your personal data and your credit assessment will be carried out immediately.
Check your proposal
At this point you will be informed of how much you will pay and when you will begin your commitment to GeRu.
Sign the agreement online
Finally, it is enough to check your agreement and make the signature to submit the credit assessment that will be made available by the partners credit partners of GeRu.
Track the progress of funding
After performing all the previous steps correctly, it is necessary to wait up to 10 days for the whole analysis process to be performed. Within the stipulated time, the money will be deposited into your account or the contract will be canceled.
Requirements for the loan
Check out some of the requirements needed to securely carry out your loan with GeRu:
• ID card
• CPF (Register of Natural Persons)
• Proof of address
• Proof of income
• Contract issued by the site with your signature
The interest rate is a variable that goes according to the customer’s credit, and may vary – within legal regulations – from 1.88 to 5.02%. In addition, the costs with the IOF (Tax on Credit Transactions) are also present (as in any financial transaction).
The Total Cost Effective (CET), which is a rate that corresponds to the interest on your loan plus all charges and expenses incurred in a credit transaction, is composed of the following formula:
CET = Interest rate + Charges (IOF + GeRu service fee) = 4.07%
Step by step to make personal loan at GeRu
Once the requester has submitted the data for analysis, GeRu will take care of the rest of the procedures. Despite the elimination of some bureaucracies that always engulf the transaction, this stage of credit liberalization tends to be more thorough in any financial institution, such care is due to the reduction of the risks of default by a client. That is, the credit analysis will confirm the identity of the customer, their ability to pay, and if their name is already negative.
The loan proposal
Soon after the credit analysis, GeRu will formalize a customized proposal for the client. In the body of this document will be weighted your ability to pay, credit history and interest may be higher or lower. We advise the importance of carefully checking the amounts charged and the condition of the loan.
Signing of the loan agreement
At this stage of the procedure, the loan agreement is formalized to sign a commitment with GeRu. If there are consumer disagreements while the loan conditions, reflect for a few days before signing the credit agreement.
This stage step can also be completed online, and it is not necessary for the consumer to move to that stage.
As previously explained, registered data must be validated by the consumer. The documents requested by GeRu are the most basic, since we understand that the identity card, proof of income, proof of residence, and CPF are documents easily accessed by the consumer. All these documentary procedures are required for loan approval.
Wait for loan approval
The waiting phase may cause some consumer cravings, but the credit repayment term of up to 10 days has its reasons. It is at this moment that GeRu will analyze your loan proposal as well as the documents sent.
The consumer can track the progress of the financing on the site itself. It is in this period that the deposit will be made in your account, otherwise all procedures will be canceled.
Pay installments monthly
Once the money has been deposited into the account, the loan agreement can already be considered valid and therefore the consumer should comply with their financial obligations. The procedures involving the term of payment and the value of the parcels are organized according to the loan proposal signed.
Interact with GeRu’s custom dashboard that is offered to the customer, where he can track his loan and make payments.
Advantages of choosing GeRu from competitors
One of the great differences of GeRu is its practicality, after all, the whole process is carried out 100% online. In addition to this aspect, its credibility in the market is highly regarded, including its brand associated with several vehicles of national circulation.
GeRu for negatives
GeRu does not release requests for loans to negatives, only with bidders who have their names unrestricted, that is, without registrations in SPC, Serasa, SCPC and other agencies. However, once you have your name cleaned, simply try again after regularizing your CPF.
To make loans to negatives, the solution is to hire a payroll loan, or, access to Simplic, MoneyMan or Crefisa, and Lendico loan, these credit companies approve requests for those with a dirty name and would not go through the credit and score.
Check out some factors that can be taken into account when choosing GeRu’s credit services:
All steps of your order can be made online – from the comfort of your home and at any time of day – and once your loan is approved, the credit will be released into your account.
Easy access to credit
You can be served seven days a week and the service is available 24 hours a day.
Safety in Transitions
The protection of your data is one of the values considered by GeRu. For this reason, only the most basic documents will be requested and the technology employed in this process is highly efficient.
Fits in your pocket
Its rate is formalized according to its profile, beyond which, in this form 100% formalized, the interest rates are very low.
All amounts to be paid are presented at the time the contract is signed and the installments are fixed.