Loan from Caixa with a bad credit history. See how to apply!
It is possible to apply for a loan at Caixa even if you have a bad credit rating, which is a popular saying for those whose names are included in credit restriction agencies, such as SPC and Serasa.
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Generally, those with a bad credit history face problems in obtaining credit in the market, since financial institutions and banks carry out a consultation on the applicant's Individual Taxpayer Registry (CPF) together with protection agencies.
In this way, the objective is to ensure that the contractor is offering the loan to a “good payer”, with a presentable history in the Positive Registry.
Therefore, a bad credit rating is really an impediment to obtaining credit in the market.
However, it is possible to obtain a loan even if you have a negative credit history, as some financial institutions offer this type of credit to those with a bad credit history.
In the case of a loan from Caixa Econômica Federal, it is available at consigned modality to retirees and pensioners of the INSS (National Social Security Institute).
So, the big advantage of this loan is that it's a hassle-free process, the fees are low, and access to the money is easy.
Furthermore, this modality requires payment of installments in monthly fees, made by automatic debit from the account holder's Caixa Econômica Federal account.
How to take out a loan at Caixa?
Taking out a loan with a bad credit history at Caixa is very simple; just find a branch or partner store and choose the payroll loan option.
In this case, you will need to present the following documents:
- CPF and RG;
- Proof of residence;
- Proof of receipt of INSS benefit.
Once this is done, the request will be analyzed and, normally, the opinion is given as favorable quickly.
Therefore, simply sign the contract and allow the monthly installments to be deducted directly from the benefit you receive from the INSS.
