Top 5 Banks and Fintechs: Finding a personal loan with low interest rates can make all the difference for those who need credit without compromising their budget. After all, high rates can turn a solution into an even bigger problem. Fortunately, there are banks and fintechs that offer much more attractive conditions, allowing you to save money and still organize your finances with peace of mind.
In this article, we will present the five best options for financial institutions that offer the lowest interest rates on personal loans in 2025. In addition, we will explain how credit analysis works, what the criteria for approval are, and how you can choose the best offer for your profile. Continue reading and find out how to make a smarter and more advantageous decision.
What to consider before taking out a loan
First of all, it is essential to understand that interest rates are not the only important factor. Therefore, when comparing proposals, also consider:
- CET (Total Effective Cost) : Includes administrative fees, IOF and other charges.
- Payment term : The longer the term, the higher the final interest.
- Ease of hiring : Applications and digital platforms make the process faster.
- Negotiation flexibility : Options for advance payment or installment adjustments make a difference.
Now that you know what to look for, let’s get to our ranking.
1. Nubank
Nubank is one of the most popular fintechs in Brazil. It offers personal loans with rates that vary depending on the customer’s profile, but are usually among the most competitive on the market. In addition, the loan application is 100% digital, made directly through the app.
Advantages:
- Fast and hassle-free hiring.
- Possibility of simulation before hiring.
- Payment in up to 24 installments.
Average interest rate: from 1.9% per month (variable according to risk profile).
2. Inter Bank
Banco Inter also stands out among digital banks. Its personal loans are affordable and have some of the lowest rates on the market, especially for those who are already customers and use their accounts frequently.
Advantages:
- Personalized rates based on credit analysis.
- 100% digital service.
- Quick release of funds after approval.
Average interest rate: from 1.7% per month.
3. C6 Bank
C6 Bank is another interesting alternative. With a strong digital presence, the fintech offers reduced rates for those who receive their salary at the bank or have investments on the platform. This way, you can improve your proposal before applying for credit.
Advantages:
- Personalized offers for customers.
- Integration with digital account and credit card.
- Easy simulation in the app.
Average interest rate: from 1.8% per month.
4. Credits
Creditas is a fintech company that specializes in secured credit, which guarantees even lower rates. However, you must have a car, property or salary to offer as collateral.
Advantages:
- Much lower interest rates compared to traditional personal loans.
- Longer payment terms.
- Humanized and consultative service.
Average interest rate: from 0.99% per month (with guarantee).
5. Simplic: Top 5 Banks and Fintechs
For those who need credit urgently, Simplic may be a good option. Although the rates are higher compared to the previous options, the process is simple and fast, ideal for emergencies.
Advantages:
- Approval within 48 hours.
- 100% online process.
- Ideal for those who do not have a digital bank account.
Average interest rate: between 5% and 15% per month, depending on the customer profile.
Tips for getting the best rates
In order to ensure the lowest possible rate, please follow these guidelines:
- Keep your name clean and your score high: This increases your credibility.
- Avoid applying for credit from several institutions at once: Too many inquiries reduce your score.
- Choose the shortest term possible: The shorter the term, the less interest you pay.
- Research and compare: Use comparison sites and read reviews from other customers.
Final considerations
Finally, getting a low-interest personal loan in 2025 is entirely possible, especially with the advancement of fintechs and digital banks. However, it is essential to compare the options carefully and understand the conditions before closing the deal. With the information in this article, you are now prepared to choose the best offer for your profile and needs.
Keep following our content for more tips on finances, conscious credit and how to make smart decisions for your pocket.