SIM Loan - Low Interest Rates is a free, independent personal finance management app and a marketplace for credit offers.

No lines, no paperwork, no complications. Just you, your cell phone, and the money in your account.

Just as SuperSim offers personal loans from R$500 to R$2,500 directly into your account, Low Interest Rate Loans for People with Negative Credit History offers loans for people with negative credit history, 100% online and without bureaucracy to apply for your online personal loan.

REQUIRED LOAN INFORMATION
PAYMENT TERM: 3 to 12 months (90 to 360 days)
INTEREST RATE: 12.5% per month (310.99% per year) up to 19.9% per month (819% per year)
TOTAL EFFECTIVE COST (TEC): From 12.82% per month (325.31% per year)

COMPLETE REPRESENTATIVE EXAMPLE:
Loan amount: R$ 1,000.00
Monthly interest rate: 12.5% per month (310.99% per year)
Term: 12 months (360 days)
Monthly installment amount: R$ 175.72
Number of installments: 12 installments
Total amount due Pay: R$ 2,108.64
Example CET: 12.9% per month (325.31% per year)
Registration fee included in the calculation
IOF (Tax on Financial Operations) included according to legislation
Calculation model: Price System (fixed monthly installments)
When requesting a proposal, the interest rate, fee, IOF, and CET will be displayed. Values vary according to credit analysis. Loan subject to approval.

At Super Sim, fast analysis with a response in minutes.
At Juros Baixos Empréstimos, the process is 100% digital via mobile phone, without leaving home. Flexible criteria that evaluate various profile factors. Security with bank encryption. No guarantor required. Transparent rates with clear information from the beginning. Suitable term of 3 to 12 months.

HOW DOES IT WORK?
Download the Empréstimo Sim app for free. Simulate loan amounts between R$500 and R$2,500. Fill in your details in less than 5 minutes. Wait for credit analysis. Receive payment via PIX when approved.

WHO IS EMPRESTIMOSIM FOR?

Ideal for paying urgent bills, medical or family emergencies, freelancers and entrepreneurs, those who want to build a credit history, and for everyday financial needs.

AVAILABLE PRODUCTS
At Juros Baixos and SuperSim, we offer Unsecured Personal Loans: Credit from R$500 to R$2,500, payable in 3 to 12 months.

Super Seguro: Loan with protection against unforeseen events.

DIFFERENTIALS
Online platform offering products and services from partner financial institutions. Fast and efficient online analysis. Exclusive content on financial education. Team ready to help.

REQUIREMENTS
Be over 18 years old, have a valid CPF (Brazilian tax ID), an active bank account in your name, and a mobile phone with internet access. EXCLUSIVE CONTENT
Tips to increase your credit score, approval strategies, information about Desenrola Brasil, checking receivables, financial management, and market news.

MISSION
To democratize access to credit in Brazil, offering fair and accessible credit, promoting financial inclusion and education.

RECOMMENDED COMPANIES:
SuperSim Personal Loan
Low Interest Personal Loan
Reallizi Loan on Electricity Bill
among other 100% online offers.