FGTS Digio Loan – Rates and How to Obtain

The FGTS Digio Loan is an alternative that allows you to anticipate your anniversary withdrawal by up to 10 years.

This is the option that allows you to withdraw part of the Guarantee Fund in the month of your birthday.

This way, you receive your money quickly, as the amount is deposited within 1 business day after approval.

Understand more details below:

Advantages

The first benefit is that this bank belongs to Bradesco.

Therefore, when taking out a loan, you can count on the solidity and security of one of the main institutions in our country.

Furthermore, your income is not compromised through the FGTS Digio Loan, allowing you to organize your finances in a simple way.

This is because Caixa Econômica automatically sends the amount to Digio.

As a result, you don't even have to worry about paying another bill.

And since payment is made automatically, this option is available to those with bad credit, as it poses no risk to the bank.

Another interesting benefit would be the possibility of paying off the contract in advance.

Just access the app's chat, which is available at any time.

But, know that you must use your own resources.

Additionally, you can advance the FGTS Digio Loan through the call center:

• (11) 3004 9905 (Capital cities and metropolitan regions);
• 0800-721-9905 (other regions).

Opening hours are Monday to Saturday, 8am to 10pm.

So, just call and request a payment slip. 

This way, after making the payment, the FGTS balance is unlocked.

Otherwise, Caixa continues to transfer the amount to Digio annually, in the month of its anniversary.

Finally, if you want to pay your entire balance and it is in the month before your birthday, you will only be able to generate the payment slip up to the fifth business day of the month in which it is. 

FGTS Digio Loan Interest Rates

The rate is 1.99% per month, one of the lowest when compared to conventional loans.

How to apply

First, you must use the FGTS Caixa app in order to opt in to the anniversary withdrawal.

So, the next step is to pay attention to the bank's rules. 

For example, for those who are not yet Digio customers, there is the possibility of paying in advance for just 7 years through the website.

So, just use the calculator to check the conditions.

For existing customers, you can take out a FGTS Digio Loan to advance your loan by 3 to 10 years using the app.

In this case, tap “FGTS” and see how much you can advance from your anniversary withdrawal.

Once you agree to the rates and values presented to you, you must formalize the transaction by entering your password and waiting for the bank's analysis.

For both cases, it is essential to be over 18 years old, have a minimum balance of R$400 in the FGTS and authorize Digio to check the balance at the beginning of the process.