Best payroll loan options
If you are considering this option for your financial needs, we have prepared a detailed analysis of six different payroll loans, addressing its rates, terms and other relevant features.
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Caixa Consigned Loan
R$2500
From 0.94%
Up to 32x
THE Federal Savings Bank, also known as Caixa, is a Brazilian financial institution, in the form of a public company, that is, it is a state-owned bank.
Caixa bank offers great credit conditions, with interest rates that fit the budget of most Brazilians.
In principle, the Caixa Consigned Loan is a type of credit without the need for a guarantor, with special advantages and the best conditions, intended for employees of partner companies and agencies, retirees and pensioners of the INSS.
What are the advantages?
- Convenience: the installment is deducted directly from your salary or INSS benefit and you can pay it in advance whenever you want.
- Agility: Forget the bureaucracy. With Caixa, you don't need a guarantor, and your credit is available quickly.
- Security and control: the maximum loan amount is calculated according to your salary or benefit and the installment does not exceed 35% of what you receive.
Details about the Caixa payroll loan
| Amount released | R$ 2,500.00 |
| Number of installments | 32x of R$90,83 |
| Interest rate | from 0.94% am |
| Release time | same day |
Banrisul Payroll Loan
THE Banrisul Bank It is a bank with state participation and has gained many followers.
This financial institution focuses on consumer development, so their personal loan offers lower interest rates, longer terms and installments, all tailored to your budget.
Details about the Banrisul payroll loan
| Amount released | R$ 5,000.00 |
| Number of installments | between 1x and 24x |
| Interest rate | per month: from 1,80% am |
| Release time | 5 business days |
Did you like it? Let's take a look at the advantages of this option.
What are the advantages?
- Immediate credit;
- reduced rates;
- special deadlines;
- payment in installments;
- installments assigned to payroll; and
- no guarantor required.
Banco do Brasil payroll loan
R$2500
from 1,70%
up to 32x
In advance, the Bank of Brazil is a Brazilian bank, established as a mixed-capital company, with the Brazilian Federal Government holding 50% of the shares.
This financial institution offers various credit conditions, including the Payroll Loan.
Thus, as with other banks, BB's payroll loan is a type of personal loan in which the installment payments are deducted directly from the customer's payroll or retirement.
In fact, this is a great option for an easy loan, as it has one of the lowest rates on the market.
What are the advantages?
- It's practical: You request credit through the BB App and, after approval, the money goes directly into your BB account, without needing to provide the reason for the loan or prove its use.
- Term: Pay in up to 96 months**.
- Flexibility: First installment can be paid in up to 180 days**.
- Installments: are monthly and fixed, discounted from the paycheck, salary slip or INSS benefit.
- *Credit is subject to registration approval and other product conditions.
- **Conditions vary according to the agreement signed with each employer.
Details about the Banco do Brasil payroll loan
| Amount released | 2500 |
| Number of installments | 32x R$101.94 |
| Interest rate | between 1,70% and 2,38% per month |
| Release time | 2 business days |
BMG payroll loan
R$3500
From 1.8% am
up to 64x
THE BMG Bank is a bank with 90 years of tradition and innovation. It is a financial institution that aims to provide ease and convenience for its customers.
Even though it has a physical headquarters, the bank is a pioneer in digital technology, allowing you to access banking information and the call center via your cell phone.
Applying for a payroll loan at this bank is very easy; just have your ID and CPF on hand and then provide proof of life by taking a selfie of your face.
What are the advantages?
- Reduced interest
- Payroll discount
- Payment in up to 84 fixed installments
- Hire through the app without leaving home
Details about the BMG payroll loan
| Amount released | R$3,500.00 |
| Number of installments | 64x of 92.55 |
| Interest rate | 1,80% per month |
| Release time | Within 3 business days |
Payroll loan from Banco Pan
up to R$3000
from 1.83%
32x
THE Pan bank It's a bank that has been very successful in the economic market. The reason for this success is its low interest rates and favorable credit conditions.
To apply for your payroll loan, simply follow the five steps in the app. Please have your benefit number and your payroll margin ready.
Fill out the website form to simulate the amount you have available for loan and request a quote.
Within 1 business day, you will receive an SMS with information about your loan proposal and a link to sign the electronic contract.
It takes 2 to 5 business days to review your request, and then you're done! You'll receive the money in your account.
What are the advantages?
- For public servants, retirees and INSS pensioners, even those with negative credit ratings.
- Direct payroll deduction so you don't have to worry about installments
- Interest rate up to 3x lower compared to common loans
- PAN customers have up to 25% discount at Drogaria São Paulo and Drogarias Pacheco.
Details about the Banco Pan payroll loan
| Amount released | R$3,000.00 |
| Number of installments | 32x of R$124.70 |
| Interest rate | 1,83% per month |
| Release time | within 5 business days |
My everything
R$ 2.708
from 1,09%
up to 84x
MeuTudo, founded in 2017, revolutionized lending with its fully online platform, allowing loans to be taken out through FIDCs.
In just 8 minutes and 6 simple steps, you can apply for your loan: start by registering, connecting to your insurance plan (if you're retired, pensioner, or civil servant) and simulate your options based on different terms and rates.
Complete the contract with your identification document and, after registration, the amount will be deposited into your account.
What are the advantages?
- Everything done via the website or app, in up to 8 minutes;
- Lower 30% interest rates;
- You can track your payroll loan proposal through the website or app;
- Chat and exclusive service channel;
- Less bureaucracy to acquire your payroll loan;
- There is no consultation with credit protection agencies when taking out a payroll loan.
