Fast money, light installments, and the freedom to choose how to use it!

The Itaú Personal Loan is a modern and reliable option for anyone seeking financial balance and more freedom to plan their future.

With accessible conditions and flexible terms, it adapts to each client’s reality, making the process simple and stress-free.

In addition, Itaú offers total transparency in rates and installments, ensuring a safe and smooth experience every step of the way.

Discover now how the Itaú Personal Loan can turn your plans into real achievements and start transforming your financial life today!

Category	Minimum	Maximum
Amount	R$200	R$50,000
Term	2 months	60 months

Get to know the Itaú Personal Loan: fast money, flexible installments, and 100% online approval.

The Itaú Personal Loan belongs to one of Brazil’s largest banks, known for its stability, tradition, and quality service.

With decades of experience, Itaú has built credibility by offering reliable financial solutions that help millions of Brazilians achieve their goals.

This type of credit was created to simplify clients’ lives, offering speed, transparency, and complete security at every step.

Choosing the Itaú Personal Loan means opting for a service that combines trust, convenience, and fair conditions to turn goals into real achievements.

Main Benefits of the Itaú Personal Loan

The Itaú Personal Loan offers a practical and modern financial experience for those who value speed, trust, and conditions that truly make life easier.

With it, clients gain total freedom to choose payment terms, amounts, and methods, enjoying advantages that adapt to their lifestyle.

Fast Release of Funds

One of the biggest advantages of the Itaú Personal Loan is how quickly approval and transfer happen after the request.

In just a few minutes, clients can complete the online application and receive the money without facing lines or unnecessary paperwork.

Itaú’s technology enables efficient automatic analysis, ensuring safety and agility at every stage of the credit process.

This speed is ideal for those who need to solve unexpected situations or carry out plans urgently without complications.

Flexible Use: No Need to Justify the Purpose

Clients have full freedom to decide how they’ll use the loan without having to justify the reason for borrowing.

This autonomy ensures privacy and allows everyone to use the credit according to personal priorities and needs.

It can be used to pay off debts, fund a project, renovate a home, or invest in an important course for the future.

Itaú trusts its clients and offers real flexibility, turning the loan into a tool for personal and financial growth.

Adjustable Installments and Terms

Itaú understands that every client has a different budget, so it offers flexible repayment plans that fit your monthly finances.

You can choose the number of installments based on your income and desired amount, maintaining financial balance throughout the payments.

The flexibility allows you to adjust the credit to your goals without affecting essential expenses or tightening your budget.

This makes the loan a practical, accessible, and personalized solution for every financial situation.

First Installment with Grace Period

One of the most attractive advantages is the option to start paying only 30 days after the loan is released.

This grace period provides time to organize your finances and use the money calmly before the first payment.

It’s perfect for those who need cash right away but are still managing their monthly budget.

That way, Itaú offers more comfort and convenience, respecting each client’s pace and financial reality.

Freedom to Choose Payment Date

With Itaú, clients choose the best day of the month to pay their installments, aligning it with their financial routine.

This flexibility makes payment control easier and helps prevent delays, keeping everything well organized.

It’s a smart way to adapt credit to your reality and maintain peace of mind throughout the contract.

The result is a lighter, more organized, and customer-friendly experience.

Option to Prepay or Settle Early

Those who want to reduce interest or pay off their debt sooner can easily make advance payments at any time.

Itaú allows early repayment with proportional discounts on the interest that hasn’t yet been charged.

This flexibility shows the bank’s respect for customers and encourages responsible credit management.

In doing so, the bank gives clients full control of their contracts while rewarding early commitment.

Limit Transfer Flexibility

Itaú allows clients to transfer limits from other products, like credit cards or overdrafts, to loans with better conditions.

This option helps consolidate debts with lower interest rates and more manageable repayment terms.

It’s a strategic way to reorganize finances, reduce costs, and manage everything in one accessible contract.

With this feature, the bank promotes financial intelligence and helps clients use credit more wisely.

Digital Application without Excessive Bureaucracy

Applications can be made through the app or website, with no queues, paperwork, or branch visits.

The process is intuitive, fast, and secure, perfect for those who want to resolve everything with just a few clicks.

Through Itaú’s digital support, clients can run simulations, view clear information, and track the request in real time.

This convenience is part of Itaú’s digital modernization and its commitment to valuing customers’ time.

Special Options for Personnalité Clients

Personnalité clients enjoy exclusive conditions, including longer terms, reduced rates, and personalized service.

Itaú provides a differentiated service for those seeking sophisticated and tailored financial solutions.

These clients can access exclusive simulations and negotiate benefits with more flexibility and speed.

Choosing the Itaú Personal Loan in this category ensures a premium experience with unique advantages and top-level service.

Eligibility Requirements to Apply for the Itaú Personal Loan

To apply for the Itaú Personal Loan, it’s important to meet a few basic requirements that ensure approval and credit security.

• Be at least 18 years old: Applicants must meet the legal age requirement to sign financial contracts.
• Have a valid CPF: The registration must be active and free of restrictions in credit protection agencies.
• Provide proof of stable income: Applicants must show income documentation that demonstrates their ability to pay installments.
• Hold an active Itaú account: Existing clients receive faster analysis and customized conditions.

Meeting these requirements increases approval chances and ensures a fast, secure, and stress-free borrowing experience.

Step-by-Step Guide to Apply for the Itaú Personal Loan

Learn how to apply for the Itaú Personal Loan in just a few minutes through the app or online banking, with no complications.

• Access the app or online banking: Go to Loans → Simulate and choose Personal Loan.
• Set your proposal: Enter the desired amount, number of installments, and due date; review interest and APR (CET).
• Submit and authenticate: Complete the request using iToken, biometrics, or password, then wait for automatic analysis.
• Receive and track: Once approved, the amount is deposited into your account; manage installments and payments directly in the app.

Done! In just a few steps, you can apply securely and track everything in real time.

Applicable Rates for the Itaú Personal Loan

The rates of the Itaú Personal Loan determine how much the client will pay by the end of the contract and vary by profile, amount, and term.

Understanding these charges is essential for safe financial planning and ensuring the credit remains advantageous and transparent at all stages.

Nominal Interest Rate

The nominal interest rate of the Itaú Personal Loan ranges from 2.65% to 9.49% per month, depending on individual credit analysis.

This rate is applied directly to the financed amount and represents the basic cost of borrowing money from the bank.

Clients with good history and long-term relationships usually receive lower rates, reflecting reduced default risk.

Planning the number of installments helps control interest impact and avoid unnecessary increases in the final amount.

CET (Total Effective Cost)

The Total Effective Cost (CET) includes all loan-related expenses, such as interest, fees, taxes, and mandatory insurance.

At Itaú, the average CET can vary between 15% and 143% per year, depending on the client’s profile and credit type.

This rate is legally required and must be presented before signing, ensuring full transparency in the financial operation.

Comparing CETs among institutions is the best way to identify the most cost-effective offer.

IOF (Financial Operations Tax)

The Financial Operations Tax (IOF) is a federal tax applied to all personal credit operations in Brazil.

For Itaú loans, the rate is 0.38% fixed on the total borrowed amount plus 0.0082% per day on the remaining balance.

Although mandatory, the IOF is already included in the CET, preventing any unexpected increases in the total cost.

This tax is not charged by the bank but by the federal government as a standard regulation.

Credit Insurance (Seguro Prestamista)

The credit insurance protects clients in case of death, disability, or involuntary unemployment during the loan term.

At Itaú, the insurance cost ranges between 1.5% and 3% of the total borrowed amount.

Although optional, it’s highly recommended, as it pays off the remaining balance in unforeseen situations, avoiding financial strain for families.

This coverage makes the credit solution safer and better planned for every borrower.

Registration Fee

The registration fee covers administrative costs for credit analysis and contract setup at Itaú.

It’s charged only for the first loan and typically remains under R$100, following Central Bank regulations.

This fee compensates for verifying personal data, financial history, and repayment capacity.

Even though it’s an additional cost, it appears once in the CET disclosure and is clearly stated upfront.

Late Interest and Penalties

If an installment is delayed, 1% monthly late interest and a 2% fine on the overdue amount are applied.

Additionally, the Itaú Personal Loan may include extra charges depending on the duration of the delay.

These penalties raise the total cost and may affect credit scores, so keeping payments on time is essential.

The bank offers digital channels to negotiate and regularize payments quickly, avoiding bigger financial impacts.

Conclusion

The Itaú Personal Loan stands out for its practicality and the reliability of a solid institution committed to offering safe and affordable credit.

With competitive rates, flexible terms, and efficient digital service, Itaú ensures a simple and transparent experience from start to finish.

This loan is perfect for those who want to achieve goals, organize finances, or handle unexpected expenses with a trustworthy bank.

Enjoyed this content? Want to explore new credit opportunities abroad? Check out the article below and learn about the SPNC Bank Personal Loan in the United States.