Banco PAN Payroll Loan: How to Take Out 

Step by Step to Apply for a Banco PAN Payroll Loan 

Check Your Margin

First of all, it's essential to check that you have an available loan margin. This margin is the percentage of your income that can be committed to paying the loan installments. 

Pensioners can compromise up to 35% of its benefits, with 5% being exclusive to payroll credit card. 

Public servants and private workers also have specific rules, according to the agreement signed with the PAN Bank. 

Simulate the loan

On the website or PAN Bank applicationYou can carry out a payroll loan simulation to check the conditions available for your profile. 

Report the amount you want and the payment deadline. 

The simulation will show the installments, interest rates and the total amount to be paid. 

This stage is essential for you to plan your budget and choose the best option. 

Gather the necessary documents

To continue the process, you need to have the following documents at hand: 

• ID and CPF 
• Up-to-date proof of residence (last 3 months) 
• Proof of income or INSS benefit statement 
• Employer's document (for civil servants and private workers, if applicable) 

Apply for a loan

Once you have your documents together, you can start your application. There are two ways to apply: 

Online: Through Banco PAN's website or app, where the documents are sent digitally. 

In person: At your nearest Banco PAN partner branch or correspondent. 

Once submitted, the bank will analyze your profile and the available consignable margin. 

Sign the contract

Once the credit analysis has been completed, you will receive the contract for signature. 

If the process is online, the signature is made digitally, using a code sent by SMS or e-mail. 

If you opt for face-to-face service, you sign the contract directly on site. 

Receive Credit

Once the contract has been signed, the loan amount will be deposited directly into your bank account. The release time usually varies from 1 to 5 working days, depending on the type of link and analysis. 

Banco PAN's differentials in Payroll Loans 

O PAN Bank offers several advantages that make the process more attractive to its customers. These include: 

Low Interest Rates

Banco PAN's payroll loan interest rates are among the most competitive on the market, thanks to the security of direct payroll deduction. 

Long payment terms

Customers can count on terms of up to 96 months, allowing for more affordable installments. 

Process 100% Digital

The entire application can be made online, offering convenience and saving time. 

No consultation with SPC/Serasa

Banco PAN does not consult with credit protection agencies, making it possible for people with financial restrictions to access the loan. 

Frequently Asked Questions about the Banco PAN Payroll Loan 

Who can you hire?

• INSS pensioners 
• Public servants 
• Employees of private companies with an agreement 

Can I sign up even if my name is negative?

Yes, Banco PAN allows you to take out payroll loans even if you have a negative credit rating, since payment is guaranteed through payroll deduction. 

Is there an age limit?

Yes, there is an age limit for contracting, which generally varies between 75 and 80 years, depending on the agreement and the term chosen. 

Is it possible to advance installments?

Yes, Banco PAN allows advance installments. Contact the call center to negotiate special conditions. 

Advantages of the Banco PAN Payroll Loan 

Security: Automatic payroll deduction prevents default. 

Practicality: Simplified process, without unnecessary bureaucracy. 

Accessibility: Available for people with a negative credit rating and people with a consignable margin. 

Flexibility: You can choose from a range of deadlines and values. 

Conclusion 

Taking out a payroll loan PAN Bank is a practical and safe solution for those looking for credit with advantageous conditions. With competitive interest rates, flexible terms and a simplified process, the PAN Bank stands out as one of the best options on the market. 

Don't waste time and take advantage of all these benefits! Access the site now or Bank application PANIf you're looking for a loan, do your simulation and find out how consigned loans can transform your financial life.