Breathe easy and pay your way, with light installments and no complications!

The Banco PAN Personal Loan was created for those who need a simple and accessible solution to achieve goals, pay off debts, or organize their finances.

With a fully digital process, you can simulate amounts, choose the number of installments, and track everything on your phone without complications or lines.

The conditions are flexible, allowing you to adjust terms and values according to your budget, ensuring peace of mind when applying for credit.

If you want practicality, agility, and security to achieve your goals, get to know the Banco PAN Personal Loan now and discover how to turn your plans into reality!

Category	Details
Amount	From R$500 to R$25,000, subject to credit approval
Terms	Up to 24 months

Discover the Banco PAN Personal Loan: up to 24 installments and the first one only after 30 days.

The Banco PAN Personal Loan belongs to Banco PAN, a solid and reliable financial institution, nationally recognized for its agility and security in credit.

With years of experience in the market, Banco PAN has built credibility by offering accessible solutions that meet the real needs of those seeking financial balance.

The loan is widely requested because it allows customers to handle emergencies, fulfill dreams, and pay debts quickly, transparently, and affordably.

Trust in the Banco PAN Personal Loan grows every day, as it combines technology, personalized service, and freedom for the client to choose how to use their money.

Main benefits of the Banco PAN Personal Loan.

The Banco PAN Personal Loan offers advantages that make the process simpler, more practical, and accessible, putting financial control in your hands.

With flexible conditions, quick approval, and digital service, Banco PAN guarantees a complete, modern experience designed to make your life easier.

100% digital application.

The Banco PAN Personal Loan application is entirely online, allowing you to simulate, apply for, and track your credit through the app with no bureaucracy.

The entire process is fast and secure, ensuring convenience for those who want to solve everything without leaving home.

Simply access the app, provide the required information, and wait for the credit analysis, carried out completely automatically.

With just a few clicks, you complete the application and track its status directly from your phone—no lines or paperwork.

Fast fund release.

After approval, the requested amount is quickly credited to the client’s account, ensuring agility in times of financial urgency.

This speed is one of the biggest advantages, as Banco PAN prioritizes effective and immediate solutions for those who need money fast.

In many cases, the funds are released within minutes, allowing the client to handle commitments on the same day.

The convenience of fast disbursement shows the bank’s commitment to offering a simple and efficient experience.

Flexibility in credit usage.

Banco PAN offers total freedom for clients to decide how to use their credit, with no need to justify how the money will be spent.

Whether to pay debts, invest in projects, or make dreams come true, the use of funds is fully flexible and adaptable to personal needs.

This feature is ideal for those who want financial autonomy without restrictions or limitations imposed by the bank.

This way, the client gains independence to plan their future according to their priorities and goals.

Easy installment options.

Clients can choose the number of installments that best fit their budget, making payments lighter and more manageable.

The terms vary according to the credit profile but always offer options that simplify financial organization for the borrower.

This flexibility helps prevent default and ensures peace of mind throughout the entire loan period.

With Banco PAN, each installment is designed to fit your budget without compromising other monthly expenses.

Pre-simulation and transparency in conditions.

Before applying, clients can simulate the desired amount and view rates, terms, and installments directly in the app.

This transparency ensures safety in decision-making, avoiding surprises and allowing a full understanding of the total loan cost.

Banco PAN’s simulator clearly displays all information about the loan, including the Total Effective Cost (CET).

This gives the client full control over the contract and confidence to make informed financial decisions.

Possibility of better conditions for stronger profiles.

The Banco PAN Personal Loan offers personalized rates with exclusive advantages for clients with good financial history and strong relationships with the bank.

Clients with high credit scores can access reduced interest rates and longer terms, making credit even more advantageous.

This policy rewards good financial behavior, encouraging timely payments and maintaining a positive credit history.

Banco PAN values responsible financial management and rewards it with more affordable and competitive loan options.

Eligibility requirements to apply for the Banco PAN Personal Loan.

To access the Banco PAN Personal Loan, you must meet a few basic criteria established by the bank for credit approval.

• Be at least 18 years old: Applicants must be 18 or older and present valid identification at the time of application.
• Have an active and valid CPF: The CPF must be in good standing with the Federal Revenue Service, with no restrictions affecting credit analysis.
• Hold a digital account with Banco PAN: It’s essential to have an active Banco PAN digital account, where the entire loan process and disbursement occur.
• Undergo a credit analysis: The bank conducts a financial evaluation considering credit score, payment history, and income to determine limits and personalized rates.

Meeting these requirements significantly increases the chances of getting the Banco PAN Personal Loan approved under favorable conditions.

Step-by-step guide to applying for the Banco PAN Personal Loan.

Applying for the Banco PAN Personal Loan is simple and quick and can be done entirely online through the bank’s mobile app.

• Access the Banco PAN app: Download the official app to your smartphone, log in with your credentials, and go to the available loan section.
• Simulate your credit: Enter the desired amount and number of installments to view the terms, rates, and Total Effective Cost (CET).
• Submit your request for analysis: After reviewing all details, confirm your application and wait for the automatic credit analysis by the bank’s system.
• Receive the funds in your digital account: Once approved, the money is quickly released and deposited directly into your Banco PAN digital account.

By following these steps, you ensure an easy and secure application for the Banco PAN Personal Loan without leaving your home.

Applicable rates for the Banco PAN Personal Loan.

The Banco PAN Personal Loan offers personalized conditions, and its rates vary according to the client’s profile, history, and relationship with the bank.

Understanding the applicable rates is essential to grasp the real cost of credit and make a safer, more informed financial decision.

Monthly interest rate.

The monthly interest rate represents the main cost of credit and is applied to the outstanding balance of each installment.

For the Banco PAN Personal Loan, this rate is personalized and varies according to the client’s credit score, history, and relationship with the bank.

The interest may differ between clients depending on the amount requested and the chosen repayment term.

This customization allows clients with good financial history to access lower rates and much more favorable conditions.

Total Effective Cost (CET).

The Total Effective Cost (CET) is the indicator that shows the real cost of the loan, combining all expenses involved in the operation.

It includes interest, IOF, administrative fees, insurance, and other charges that affect the total amount paid by the client.

Unlike the IOF, the CET is not fixed—it varies depending on the client’s profile, term, contracted amount, and credit history.

Banco PAN provides the CET before approval, ensuring transparency and allowing clients to compare and choose with confidence.

IOF.

The IOF (Tax on Financial Transactions) is a mandatory tax established by the Federal Government and applied to all credit operations.

Its rate is fixed, meaning the same for everyone: 0.0082% per day, limited to 365 days, plus an additional 0.38% on the total amount.

The absolute value may vary depending on the loan amount and term, but it does not depend on the client’s credit profile.

In the Banco PAN Personal Loan, the IOF is already included in the CET, with no extra fees, making the process clear, fair, and transparent.

Conclusion.

The Banco PAN Personal Loan stands out for its practicality and transparency, offering fast and secure credit for those seeking financial stability.

With personalized rates and a fully digital process, it adapts to each client’s needs, ensuring a simple and hassle-free experience.

Furthermore, Banco PAN provides accessible conditions and ongoing support, making the credit process more human, agile, and efficient for different profiles.

Did you like it? Want to explore more opportunities to obtain credit safely? Check out the article below and learn about the Caixa Econômica Federal Personal Loan!