{"id":7333,"date":"2026-04-08T08:30:36","date_gmt":"2026-04-08T11:30:36","guid":{"rendered":"https:\/\/blog.dmcard.com.br\/?p=7333"},"modified":"2026-08-13T10:36:04","modified_gmt":"2026-08-13T13:36:04","slug":"emprestimo-pessoal-ou-consignado-qual-e-o-melhor","status":"publish","type":"post","link":"https:\/\/www.vocedm.com.br\/portal\/emprestimo-pessoal-ou-consignado-qual-e-o-melhor\/","title":{"rendered":"Empr\u00e9stimo Pessoal ou Consignado Privado: qual \u00e9 o melhor?"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">Entenda como funciona as duas modalidades de cr\u00e9dito e qual \u00e9 a mais indicada para cada situa\u00e7\u00e3o<\/span><\/i><\/p>\n<p><span data-contrast=\"auto\">Na hora de pedir um empr\u00e9stimo, \u00e9 comum surgir a d\u00favida: empr\u00e9stimo pessoal ou consignado? Os dois ajudam a resolver imprevistos, organizar as contas ou tirar planos do papel, mas funcionam de formas diferentes, e\u00a0<\/span><b><span data-contrast=\"auto\">a principal diferen\u00e7a est\u00e1 na forma de pagamento e no perfil de quem pode contratar.<\/span><\/b><\/p>\n<p><span data-contrast=\"auto\">O empr\u00e9stimo pessoal<\/span><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><span data-contrast=\"auto\">pode ser contratado por diferentes perfis e o pagamento \u00e9 feito por boleto ou d\u00e9bito, sem desconto autom\u00e1tico. J\u00e1 o consignado privado \u00e9 exclusivo pra quem tem carteira assinada, com parcelas descontadas direto da folha.<\/span><\/p>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, n\u00e3o existe um melhor ou pior. Existe o que<\/span><b><span data-contrast=\"auto\"> faz mais sentido pra sua realidade.<\/span><\/b><span data-contrast=\"auto\">\u00a0A seguir, a gente explica melhor como cada um funciona e em quais situa\u00e7\u00f5es eles costumam ser mais indicados.<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Empr\u00e9stimo Pessoal<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">O empr\u00e9stimo pessoal \u00e9 uma modalidade\u00a0considerada mais flex\u00edvel e abrangente quando o assunto \u00e9 o perfil de concess\u00e3o. Isso porque qualquer pessoa pode contratar, desde que\u00a0sua an\u00e1lise de cr\u00e9dito tenha sido aprovada pela institui\u00e7\u00e3o financeira.<\/span><\/p>\n<p><span data-contrast=\"auto\">Conhe\u00e7a\u00a0os benef\u00edcios\u00a0do Empr\u00e9stimo Pessoal da DM:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Contrata\u00e7\u00e3o 100% online.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Parcelamento em at\u00e9 18x.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Primeira parcela em at\u00e9 45 dias.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">N\u00e3o precisa comprovar renda.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/emprestimos.vocedm.com.br\/emprestimo?utm_source=blog&amp;utm_medium=post&amp;utm_campaign=emprestimo_pessoal\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Saiba mais sobre o Empr\u00e9stimo Pessoal da DM<\/span><\/a><\/p>\n<h2><b><span data-contrast=\"auto\">Empr\u00e9stimo Consignado Privado<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">O Empr\u00e9stimo Consignado Privado, tamb\u00e9m conhecido como Cr\u00e9dito do Trabalhador, \u00e9 destinado especialmente a quem tem carteira assinada (CLT), e as parcelas s\u00e3o descontadas direto da folha de pagamento.<\/span><\/p>\n<p><span data-contrast=\"auto\">Justamente por ter o pagamento garantido na origem,\u00a0ele\u00a0costuma oferecer taxas mais acess\u00edveis para esse p\u00fablico.\u00a0\u00c9 uma alternativa pensada\u00a0pra\u00a0quem busca organiza\u00e7\u00e3o financeira e parcelas que j\u00e1 entram automaticamente na conta do m\u00eas.<\/span><\/p>\n<p><span data-contrast=\"auto\">Na DM, a oferta dessa modalidade de cr\u00e9dito \u00e9 feita em parceria com a fintech Bull, que ajuda a gente a levar essa solu\u00e7\u00e3o de forma r\u00e1pida, segura e sem burocracia para os trabalhadores.<\/span><\/p>\n<p><a href=\"https:\/\/bull-dm.bullcredtech.com\/?utm_source=blog&amp;utm_medium=post&amp;utm_campaign=emprestimo_consignado\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Saiba mais sobre o Cr\u00e9dito do Trabalhador da DM<\/span><\/a><\/p>\n<h2><b><span data-contrast=\"auto\">Diferen\u00e7as entre Empr\u00e9stimo Pessoal e Consignado Privado<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">De forma simples, d\u00e1\u00a0pra\u00a0gente\u00a0resumir assim:<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Quem pode contratar<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Empr\u00e9stimo pessoal: qualquer pessoa que tenha cr\u00e9dito aprovado.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consignado privado: trabalhadores CLT.<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Forma de pagamento<\/span><\/b><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Empr\u00e9stimo pessoal: parcelas pagas por boleto ou d\u00e9bito.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consignado privado: parcelas descontadas direto da folha de pagamento.<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">\u00a0<\/span><b><span data-contrast=\"auto\">Taxas<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Empr\u00e9stimo pessoal: variam conforme perfil e an\u00e1lise.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consignado privado: costumam ser menores, a partir de 2,49% a.m.<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Valor de contrata\u00e7\u00e3o\u00a0na DM<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Empr\u00e9stimo pessoal:\u00a0at\u00e9 R$ 4.000.<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consignado privado: at\u00e9 R$ 15.000.<\/span><\/li>\n<\/ul>\n<h2><b><span data-contrast=\"auto\">Qual escolher?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">Voltamos a dizer: n\u00e3o existe um melhor ou pior. A melhor escolha depende do seu momento de vida, da sua renda e dos seus objetivos<\/span><\/p>\n<p><span data-contrast=\"auto\">Aqui na DM, a gente acredita que cr\u00e9dito bom \u00e9 aquele que faz sentido\u00a0pra\u00a0voc\u00ea, respeita sua realidade e te ajuda a seguir em frente com mais tranquilidade.<\/span><\/p>\n<p><a href=\"https:\/\/emprestimos.vocedm.com.br\/emprestimo?utm_source=blog&amp;utm_medium=post&amp;utm_campaign=emprestimo_pessoal\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Simule aqui o Empr\u00e9stimo Pessoal<\/span><\/a><\/p>\n<p><a href=\"https:\/\/bull-dm.bullcredtech.com\/?utm_source=blog&amp;utm_medium=post&amp;utm_campaign=emprestimo_consignado\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Simule aqui o Cr\u00e9dito do Trabalhador<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":7335,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[155,146],"tags":[],"class_list":["post-7333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emprestimo","category-dicas-financeiras"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/posts\/7333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/comments?post=7333"}],"version-history":[{"count":4,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/posts\/7333\/revisions"}],"predecessor-version":[{"id":11302,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/posts\/7333\/revisions\/11302"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/media\/7335"}],"wp:attachment":[{"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/media?parent=7333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/categories?post=7333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vocedm.com.br\/portal\/wp-json\/wp\/v2\/tags?post=7333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}