The Caixa-Tem Loan is a type of credit with several benefits, such as reduced interest rates and easier approval. This is all because it was created specifically to meet the needs of the most vulnerable segment of society.
In other words, Caixa Econômica Federal's credit initiative has a strong social focus, designed precisely to bring more accessibility and democracy to its lending methodology.
The app used to receive the loan can also be used to receive certain government benefits, making everything even more convenient for your daily life. Check out the main requirements to obtain one of the most advantageous loan options in the country!
What is a loan from Caixa Econômica Federal?
The Caixa Tem loan is a form of credit offered by Caixa Econômica Federal, one of the largest and most important financial institutions in Brazil. The loan is directly linked to the Caixa Tem app, a digital platform developed to facilitate access to government social program benefits, and which can now also be used to receive funds from these loans!
The amounts and conditions vary according to each client profile, and payment is debited directly from your digital savings account. Benefits include reduced interest rates and various contractual conditions that promote more conscious financial management.
- Additional benefits of the program
By creating and updating your CAIXA Tem account, you guarantee all the advantages associated with a CAIXA account, which can be used to receive and manage funds through a very practical and secure digital bank account. It's worth noting that it will be completely free and without monthly maintenance fees.
See the other advantages provided:
- You can make up to 2 withdrawals per month free of charge at self-service terminals and lottery outlets;
- Up to 3 transfers per month to accounts at other banks;
- Transfers are unlimited for Caixa accounts;
- Issue up to 2 statements per month.
- Loans*;
- Pix and transfers;
- Insurance hiring;
- Balances and extract consultations;
- Use your account without worrying about balance limits, thus avoiding account blocks.
- Credit card*;
- Monthly income;
- Withdrawals;
- Payments using QR Code payment terminals;
- Virtual debit card;
- Facilitated consultation for social benefits;
- Payments via the app and at lottery outlets;
- Cell phone and transportation recharge;
- Financial literacy support.
Through these additional benefits, you will have an even more complete and efficient banking experience.
Loans and Interest Rates
It's important to emphasize that every type of loan has a specific interest rate and repayment term, in addition to other contractual conditions. Therefore, it's necessary to carefully read all the rules and conditions so that you have greater and safer control over your financial management.
Regarding the loan amount and interest rate, you can receive between R$300 and R$1,000 through Caixa Tem. It will have an interest rate of up to 3.99% per month, with a repayment term of 12 to 24 months. This is a relatively long period, with a low rate compared to the market.
For Individual Microentrepreneurs (MEI), it will be possible to approve a loan of up to R$ 3,000, with a maximum interest rate of 3.60% per month, and repayment terms of 12 to 24 months.
Most banks offer loans with interest rates between 4.1% and 7% per month, which means that through Caixa Federal you will have much more advantageous and economical conditions for obtaining your loan.
Who has dirty name can request?
Don't worry! Even if you have a bad credit history, you'll still have the opportunity to get this type of loan approved! As long as the accumulated debt doesn't exceed the limits stipulated by the requirements! In other words, if you have a bad credit history but your debts are small, you will still have the opportunity to get your loan approved! You cannot have debts exceeding R$3,000 incurred before January 31, 2022!
- Step-by-step guide to applying for a Caixa Tem loan
- First, download the Caixa Tem app on your mobile phone (it's available for both Android and iOS).
- Sign up for the app.
- Open a savings account by clicking on the “Sign up and open your account” in the app.
- Now click on “Caixa Tem Credit” .
- After choosing the credit option, you must answer a question about the purpose of the money, whether it will be used for business or other purposes. You should choose "business" if you want more favorable terms.
- Now, a photo of one of your documents and a selfie are needed to confirm your identity.
- Please wait for approval; if everything goes correctly, the money will be deposited into your Caixa Tem savings account.
