Being informed in the risk centers is one of the fundamental factors so that some banking entities cannot accept requests to take out a loan or a credit card, because their financial behavior is registered in these institutions in order to avoid generating more debts.
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However, there are some banks that offer second chances to reported people, providing loans by payroll or by pledge. In the same way, we recommend you to be up to date on your promissory notes and not increase your expenses in the long term, as they can cause considerable damage to your pocket.
Banks that can lend you
Bank of Bogota
By means of the Banco de Bogotá payroll credit, you will be able to pay some of your debts and avoid collection headaches. Lat a minimum rate is 500 thousand pesos and at a fixed rate discounted by payroll, that is, when your payment arrives, the bank will automatically deduct what you requested.
Similarly, the maximum term to disburse the money is between 72 to 96 months. PTo request this type of agreement, the company you will work for must have an agreement with Banco de Bogotá.
bancolombia
Release credit. This grants a minimum charge of one million pesos for people between the ages of 18 and 74. and that they earn a SMLV, that is, 1,160,000 with the new regulations for the minimum wage established by the National Government this 2023.
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Social box
This is for the exclusive use of private sector officials, pensioners, active members of the Military Forces, the National Police and public sector companies. It can be paid in installments discounted from your nominal salary, that is, payroll.
Again it is only for those who obtain a minimum budget of one million pesos per month. This is for people between the ages of 18 and 80 and You will be able to access a loan of at least 500 thousand pesos.
bbva bank
A minimum amount of 600 thousand pesos will be deducted from your payroll. What you should keep in mind about this bank is that does not request credit experience, co-debtors and the maximum term to pay is 120 months, being employees, military pensioners and pensioners, the niche of individuals who can access credit.
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