If you have a bad name and urgently need money, you may have heard a lot of "no's". But the truth is that there are loans of 1500 reais or more for people with a bad name. And the best part: fast analysis, no bureaucracy and online 100% release.

Being negative doesn't mean having no way out. The market has changed. Today, there are platforms that specialize in offering credit even to those with a restricted CPF. What once seemed impossible is now an accessible reality - and in this article, you'll find out where and how to get it.

Can people with credit over 1500 reais get credit?

Yes. Although many traditional institutions still make the process difficult, there are digital companies that accept people with a negative credit rating and release amounts above R$ 1,500 based on other criteria, such as bank transactions, collateral or history with the platform.

Some don't check SPC or Serasa. Others do, but won't refuse your application on this basis alone. The most important thing is to understand your profile and choose the right option for you.

What types of loans are available for people with a negative credit score?

Loan with cell phone guarantee
It's a new method that's gaining momentum. You put your device up as a temporary guarantee and, in exchange, you get anything from R$ 1,000 to R$ 2,500 - even if your name is dirty.

Loan with vehicle guarantee
If you have a car or motorcycle in your name, you can use it as collateral and get up to R$ 10,000, even with a negative CPF. The interest rates are lower and the loan is usually released quickly.

Fintechs for people with credit cards
Platforms such as SuperSim, Crefisa, Jeitto and others work with loans of 1500 reais or more for people with a bad name. The amount is deposited at Pix and installments are easy.

FGTS or INSS advance loans
If you are retired or have a balance in your FGTS, you can anticipate this amount. Some companies do this online, even if your name is restricted.

Platforms that release loans even if your name is dirty

SuperSim
It's one of the most affordable. It releases values between R$ 500 and R$ 2,500 with Pix release. Payment can be made in up to 12 installments. And yes, people with a negative credit score have a chance of approval.

Crefisa
Famous for assisting those with restrictions. Interest rates are higher, but approval is quick. Great for emergencies.

Jeitto
Personal loan application. Ideal for those who need an amount between R$ 500 and R$ 2,000. Accepts those with a low credit score and releases directly to their cell phone.

Creditas
If you have an asset (car, motorcycle or property), this is one of the best options. It releases high amounts at low rates.

MyEverything
Another fintech that offers personal loans for people with credit losses, with analysis based on bank transactions.

What are the requirements to apply?

Although they accept dirty names, some requirements remain. You must be over 18 years old. Regular CPF (even if you're inactive). Bank account or Pix key in your own name. Photo ID. In some cases, proven income (even informal).

Most platforms don't require proof of formal income. If you're self-employed, a salesperson, do odd jobs or get paid via Pix, you may already have a chance of approval.

How can you increase your chances of getting 1500 reais or more?

Keep moving
If you receive and make transfers via Pix frequently, that's already a good sign for the platforms.

Avoid over-ordering
If you make several attempts at the same time in different companies, this can damage your internal score.

Start with smaller amounts
Some platforms release R$ 500 on the first order and increase the limit to R$ 1500 or more as you pay on time.

Use warranty if possible
Placing an asset as collateral increases your chances and reduces interest.

Is it worth applying for this type of loan?

If the amount will help resolve an urgent situation, pay off a larger debt or give you a financial boost, it's worth it. The key is to choose the right company, read the contract carefully and have a plan for paying the installments.

Avoid paying too much in installments. The more installments, the more interest you pay. And remember: the ideal is to only take the amount you really need.

How do I simulate and find out if my CPF is approved?

Almost all platforms offer a free, no-obligation simulation. Simply access the company's website or app, fill in your CPF and basic data. The system will show you if there is a limit, how much you can borrow and how many installments you can pay.

The good news is that many of these analyses are done on the spot, with an immediate response. You don't have to wait days or be in doubt.

What if I'm not approved?

Don't be discouraged. Some companies deny credit at first, but accept a new application after a few days. Others may offer smaller amounts as a trial. The important thing is not to apply everywhere at once or fall for false promises.

Beware of scams!

Serious platforms never ask for advance payment to release credit. If someone demands a fee via Pix or boleto, run away. That's a scam.

Always check that the company is registered with the Central Bank, read the terms of use and look for real reviews.

Loans of 1500 reais or more for people with a bad name are real, possible and accessible. What defines your approval today is no longer just the score, but your financial behavior and your responsibility with credit.

If you need this amount now, start simulating on reliable platforms. The chance of getting it may be much closer than you think.

See also: Loan of 200 reais on the spot: see the limits approved for your CPF

April 17th, 2025