Next Loan – Discover the options for you

The Next Loan helps you finally put your plans into practice.

Therefore, there are different options that adapt to your credit profile and stage of life.

Continue and find out more information.

FGTS Loan

Firstly, through this type of credit, you have the possibility of advancing the installments of the FGTS anniversary withdrawal, with attractive interest rates.

In this sense, the interest is 1.99% per month.

It is worth noting that you can hire more than once in the app.

In other words, you don't need to leave your home to get the Next Loan amount.

And of course, Next guarantees your complete security because this option is offered in partnership with Banco Digio.

Likewise, you can apply even if you have a negative credit history and no limit on other loan lines.

This is because to advance up to 10 installments of the anniversary withdrawal, you just need to have at least R$400 added to active or inactive FGTS accounts.

Other important advantages are as follows:

The credit does not compromise your monthly income because there are no monthly bills.

As a result, the amount is deducted directly from your FGTS in the month of your birthday.

It is also an alternative for those who want to maintain their score.

However, not everyone can apply because the Next Loan is being made available in phases, as this is just the launch.

Also, be aware that when hiring, you will have to face the bank's analysis.

To the visit the website, you can also check some simulation values:

For example, let's think about an operation in January 2023.

The client's birthday is in April and has a balance of R$1,000,400 in their FGTS account.

This way, he can advance up to 1,438.59 from the balance to be paid in up to 10 annual installments (the first installment 706.95 and the last 2.11), with a rate of 1.99% and CET of 2.15% per month. 

More information about the Next FGTS Loan

Despite this, we recommend that you perform your own simulation because these values do not take into account the IOF and are calculated according to the average data provided by Digio.

In other words, the website example may change depending on your FGTS balance.

To sign up, within the FGTS application, choose the anniversary withdrawal option and allow Banco Digio to view your FGTS information.

Then, access the Next app, followed by “loans” and “loan with FGTS”.

So, you need to check the prices and conditions, and if you agree, tap the button to sign up.

That's it! Once your Next Loan is approved, the amount will be available in your account within 2 business days.

Installment credit

Secondly, this credit option allows you to realize bigger dreams like buying a new car or your apartment.

Therefore, the payment term is 72 months, with the first installment being paid within 90 days.

In other words, you can pay for the loan in up to 6 years and still have almost 3 months to organize yourself and start the first installment.

Furthermore, this modality does not affect the credit limit for those who have a Next card.

Likewise, the money is immediately deposited into your account.

Next Personal Loan

Anyway, this solution works as follows:

You take out as much credit as you need and the monthly amount is debited from your checking account.

Therefore, it is an alternative for you who need to organize your finances and leave the payment to the bank itself.

That is, you don't have to deal with another monthly bill.

On the other hand, check the 48-month payment term and pay the first installment within 90 days.

I wasn't approved, what now?

The bank performs periodic credit analyses and notifies you of any new developments via the app.

In other words, while you wait for your Next Loan to be released, take advantage of other services.

For example, moving your money around by making transfers and payments through Next is important to increase your chances of accessing credit.

Furthermore, transferring your salary to Next helps the bank better understand your financial situation.

And of course, keeping your accounts up to date, both inside and outside of Next, is always a good idea.