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Have a question about a credit line or your application? Send us a message or visit us in person.
Still have questions?
We have gathered the questions we get asked most about our credit lines. Didn't find what you were looking for? Send us a message above.
What documents do I need to apply for credit?
We usually ask for an ID document, proof of address, proof of income (payslip or tax statement) and, for business credit, the company's documents. Our team will confirm the exact list based on the credit type.
How long does approval take?
Pre-approval is usually communicated within 48 business hours after we receive all documents. Final disbursement depends on the complete review of your file.
Can I apply for credit if I already have another loan?
Yes, this is possible as long as your debt capacity allows it. We review all of your financial commitments before proposing a responsible solution.
What interest rates apply?
Rates vary depending on the type of credit, the term and the client's profile. You can get an instant estimate with our credit simulator, with no commitment.
Can I repay my credit early?
Yes. Early repayment, full or partial, is always possible. The applicable terms are clearly explained when you sign the agreement.
What happens if I am late on a payment?
We recommend contacting us as soon as you think a delay may happen — our team always looks for the best solution together with you before any penalty applies.
Is the credit simulation binding?
No. The simulator gives you an indicative estimate with no contractual value. The final offer is always confirmed after reviewing your credit profile.
What types of credit does Negocial Finance offer?
We offer personal credit, home credit, business credit and auto credit. You can see all the details on the Services page.
Do I need a bank account to receive the credit?
Yes, the approved amount is always transferred to a bank account in your name (or the company's name, for business credit).
How can I track the status of my application?
Your dedicated manager keeps you informed at every step, by phone or email. You can also reach us at any time through the Contact page.