New facilitation when requesting payroll loans: LULA RELEASED!

Payroll credit is a type of loan with direct deduction from the customer’s payroll or benefit. Check out the new rules.

The Lula government’s recent initiative promises to significantly transform the payroll credit scenario in Brazil, offering a more transparent and democratic approach for private sector workers.

With the creation of a new digital platform, employees will have the freedom to compare and choose the best loan conditions.

This change empowers workers with more options and control over their finances. It also encourages healthy competition between banks, potentially resulting in better credit conditions for Brazilians.

New facilitation when requesting payroll loans: LULA RELEASED! – Credit: @jeanedeoliveirafotografia /

Check out the new payroll credit rules

President Lula’s government announced plans to facilitate access to payroll loans for workers in the private sector, promising greater transparency and freedom in choosing financial institutions.

Through a new digital platform, which will integrate information from eSocial and will be similar to FGTS Digital, workers will be able to compare rates, terms and other details of payroll loans.

This system will also allow loan portability, enabling transfer to another institution with lower rates, with implementation scheduled for this year.

This change aims to especially benefit employees of medium and small companies, offering them more competitive credit conditions.

An affordable and advantageous credit option

Payroll loans stand out as an attractive type of credit for those looking for lower interest rates and greater security.

With direct payroll deduction or customer benefit, this option offers several advantages compared to other lines of credit. Check out the main benefits.

Lower interest rates: Payroll loans generally have interest rates that are much lower than those of other types of credit, such as credit cards or special checks. This means that the customer will pay less interest over time, which makes the payroll loan a more economical option. Greater security: The direct deduction from the payroll or benefit guarantees that the customer does not default on payment of installments. This offers greater security for the customer and for the financial institution that grants the loan. Fixed and predictable installments: The installments of the loan are fixed and pre-determined, which facilitates the customer’s financial planning. This allows the customer to know exactly how much they will pay each month, avoiding unpleasant surprises.Simpler contracting process: Taking out a payroll loan is generally simpler and faster than other types of credit. This occurs because the financial institution already has information about the customer, such as income and credit history, which facilitates credit analysis.

Payroll loans are recommended for.

Salaried employees: Public employees, private employees and INSS pensioners can request a payroll loan. Retirees: INSS retirees can also request a payroll loan. Beneficiaries of social programs: Beneficiaries of social programs such as Bolsa Família can also request a payroll loan.


Before taking out a payday loan, it is important:

Compare offers from different financial institutions: Interest rates and payment terms may vary between financial institutions. It is important to compare offers before choosing the best option for you. Read the contract carefully: Before signing the loan contract, carefully read all the clauses to understand the terms and conditions of the credit. Avoid committing more than 30% of the income : It is important not to commit more than 30% of your income to the installments of the loan. This will ensure that you will be able to pay the loan without compromising your family budget.

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