Personal credit
Money for different goals, with installments and conditions set in the proposal. Compare the cost with other options available to your profile.
TECBANK · GUIDES FOR INDIVIDUALS
Loans for individuals: understand the types
On this page · choose a topic
Goal, payment method and collateral change the comparison. Know the differences before choosing a proposal.
Which type fits your need?
Payroll-deducted credit
Installments are deducted from the payroll or benefit, according to the employment link and the applicable rules. The deduction reduces the available income in the following months.
Secured credit
An asset or investment can guarantee the operation. Weigh the conditions of use, blocking and enforcement of the collateral, beyond the advertised rate.
Financing
Tied to the purchase of an asset, with its own purpose and conditions. It is not the same as a free-use loan.
Do not compare only the installment
Check the net amount received, the number of installments, due dates, the total effective cost (CET) and the total to pay. The CET consolidates the charges and expenses of the operation; interest rate and CET are not synonyms. Stretching the term can reduce the installment and increase the total cost.
- Test whether the payment also fits a month of lower income.
- Understand grace period, charges, guarantees and early settlement conditions.
- Do not confuse a consortium with a loan: the award and the costs have their own rules.
- Offer, term and approval depend on the institution and the client analysis.
Organize the choice
Set the purpose and the amount needed before consulting proposals. Keep the summary and the contract. This guide does not receive credit requests, does not release funds and does not inform an approved personal rate.
Plan credit and debts → · Understand property collateral →
From simulation to proposal: check before signing
Set the amount needed and the term. Then compare the net amount released, CET, total to pay, installments, grace period and guarantees. A smaller installment can come from a longer term and increase the total cost. Consolidating debts does not guarantee savings: compare the full contracts.
"Starting at" rates and catalog terms are commercial references, not an approval for your profile. An educational simulation does not contract, does not send data to the bank and does not release money. A consortium depends on being awarded and must not be confused with an immediate-release loan.
Vehicle financing: purchase and contract are separate steps
Before financing, check the vehicle's history, the seller or store, the documentation, down payment, term, CET and total to pay. Do not confuse purchase financing with a loan that uses a vehicle you already own as collateral.
The Banco do Auto line presents simulation and contract service in separate channels. The maximum financeable percentage and the catalog term depend on analysis; they do not mean Tecbank approves or finances that amount. Boleto, renegotiation and contract copies must be checked with the responsible institution.
Continue your research
Informational content reviewed on October 29, 2026. Tecbank handles the opening of your business account.Next step for your company
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