Empréstimo Pessoal Negativado is an Android application that allows you to compare personal loan and financing offers from different institutions. The app offers simulations for private and public payroll loans, INSS payroll loans, non-payroll loans, and vehicle financing. You can compare monthly updated offers from different institutions and simulate the loan without the need to enter your CPF.

The app only simulates the loan and installment values. It does not guarantee credit approval, but it does offer the best credit and financing options based on publicly and monthly available rates from the Central Bank. The app is not affiliated with any financial institution and does not make loans, but it only simulates values.

The app's minimum repayment period is 12 months, maximum repayment period is 60 months, and maximum annual percentage rate is 30%. For example, if you borrow R$10,000 for 12 months, the monthly installment is R$922, and the total cost of the loan will be R$11,064, with R$1,064 in interest and an annual interest rate of 10.64%.