Best banks for personal loans in 2025, complete comparison Currently, personal loans are one of the most sought-after solutions for those who need quick money.
With the advancement of technology and the growth of fintechs, traditional banks began to face direct competition from digital platforms.
Therefore, it is essential to understand which are the best banks to apply for a personal loan in 2025, to pay attention to credit more quickly with lower interest rates.
In this article, you will see a direct comparison between reliable institutions, fees charged, application features and the best options based on your profile.
First of all, it is not enough to just look at the installment value or the payment term.
Furthermore, it is important to analyze the interest rate, the CET (Total Effective Cost), the payment conditions, the release time and the reputation of the institution.
Another relevant point is the flexibility of the application. If the bank allows you to simulate, contract and monitor the loan directly through app, the process becomes much faster and safer.
Therefore, banks that invest in technology come out ahead.
Nowadays, with so many options available, choosing the best institution to take out a loan can seem difficult.
However, when considering factors such as interest rates, practicality of the application and reliability, it is possible to find advantageous alternatives.
Therefore, in this comparison, you will see the best banks and lending platforms in 2025, all with modern, safe and accessible solutions for different profiles.
Below, check out the institutions that stand out in the market in 2025 for those looking for a personal loan with affordable conditions and digital contracting.
Inter Bank Banco Inter offers personal loans with digital 100% contracting, competitive rates and quick release directly through the app.
Interest rate: From 1,45% per month, differentials: Complete app, no hidden fees, instant simulation
Furthermore, Banco Inter allows you to contract with total autonomy, without having to speak to a manager. With just a few clicks, the money can be deposited into your account on the same day.
Nubank interest rate: From 1,99% per month, differentials contracting 100% through the app, transparency in the CET, total control of installments
On the other hand, the release of credit depends on the customer's history with the bank.
Even so, the app is intuitive and clearly shows all the steps.
C6 Bank Interest rate: From 1,59% per month, differentials: Card with limit released for personal credit, hiring through the app
That way, customers with a good track record have access to better rates and personalized offers.
Federal Savings Bank (Caixa Tem App), Interest rate: From 1.79% per month differentials microcredit option for MEIs and those with negative credit, popular app.
Therefore, even with some navigation limitations, the application It is useful for those looking for lower values with easy access.
Creditss Interest rate: From 0.99% per month (with guarantee) differences: loan with property or vehicle guarantee, lower installments.
Because of the warranty requirement, the process is a little more detailed.
Even so, whoever offers a good as collateral gets much lower interest.
In short, there are several options for banks and fintechs that offer personal loans with competitive conditions in 2025.
The ideal choice depends on your profile, the urgency of the credit and the rate you can afford.
Therefore, always compare options, run simulations and check the total CET before closing the deal.
Furthermore, choose institutions that offer transparency and practicality, especially via apps.
Inter Bank
Nubank
C6 Bank
Federal Savings Bank
Credits
This way, you ensure a loan safer, with fair interest rates and total control in the palm of your hand.