Neon's personal loan stands out in the market for facilitating access to credit quickly and easily. The amount available for simulation caters to everything from one-off needs to large projects, ranging from R$500.00 to R$15,000.00. The interest rate starts at 51% per month and payment can be made in up to 24 installments, all digitally through the Neon app.

Credit approval depends on a quick analysis, usually with a response within one business day, and disbursement occurs within 48 hours of approval. The loan amount is deposited directly into the Neon account, streamlining the process and making the experience very convenient for users seeking reliable financial solutions.

How to apply for your Neon loan

• Access the Neon app and go to the "Loans" section.
• Simulate the desired amount and choose the number of installments.
• Check the terms and conditions, review the CET (Total Effective Cost), and confirm your request with your password.
• Please allow up to 1 business day for credit analysis.
• If approved, receive the payment in up to 48 hours in your Neon account.

Positive points

The speed of the contracting process stands out, as it can be completed in just a few minutes through the app. Another benefit is the ability to quickly simulate and track the entire contract, with complete transparency regarding installment amounts, interest rates, and due dates, providing security and convenience to the customer.

Neon's loan is great for those who already use the digital bank, as it requires no bureaucracy and the money goes directly into the Neon account, all online without needing to go to a branch. It also offers additional insurance to protect the installments, which helps give the customer peace of mind.

Negative points

Not all Neon customers receive loan offers, as it depends on their individual credit profile. The maximum amount of R$ 15,000 may not be enough for those who need larger sums for major projects or debts.

Another point to consider is that interest rates can vary depending on the client's analysis, and in some cases, they may be higher than expected if their credit score is not the best.

Final verdict

For those seeking a quick loan with transparent analysis and digital application, the Neon loan is a great choice. Its convenience, combined with the security of a digital bank, makes it easier to achieve dreams or organize finances. Evaluate the offer in the app and see if the conditions fit your needs before deciding.