Can someone with a negative credit history apply for a loan from Caixa?
People with bad credit often have difficulty applying for credit. This is because financial institutions check the CPF status to determine whether the customer can afford another bill. However, Caixa loans are available today, and they're available without bureaucracy.
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Therefore, this means that even with a bad credit rating, it is possible to get approval with attractive interest rates.
In total, there are three possible loan types for those with bad credit at Caixa:
- Caixa Simple Card;
- Anniversary withdrawal;
- Pledge.
Caixa Simple Card
The Caixa Simples card is aimed at INSS (National Institute of Social Security) retirees and pensioners
Therefore, it is not a loan per se, but rather a credit card that has the same features as a conventional one, the difference being that the portion of the invoice is automatically discounted from the insured's benefit.
The card also has some advantages, such as:
- Zero annual fee;
- Without consulting SPC and Serasa;
- Elo Mania Caixa Club;
- Home Check-up.
FGTS anniversary withdrawal
This is a type of loan from Caixa that allows workers to advance up to three installments of the FGTS anniversary withdrawal as collateral for the credit.
For this reason, the interest rate is quite attractive, at just 0.99% per month. It's worth noting that this option is only available to those who have signed up for the current withdrawal option for this benefit.
Furthermore, the request can be made through Caixa's Internet Banking or through the app. FGTS.
However, due to the need for adjustments to the digital channel due to high demand, the service is currently only being contracted at Caixa Econômica Federal branches.
Loan from Caixa Pawn
The Caixa Pawn Loan is one of the credit lines with the lowest rates and no bureaucracy.
In this way, the applicant must offer an asset (watches, pearls, jewelry, etc.) as collateral for the loan.
Therefore, it is also a modality that does not consult the SPC and SERASA.
This is because the risk of loss for the bank is zero, as the financial institution will keep the property if the debt is not paid in full.
In fact, a major advantage of the Caixa Penhor loan is that it can be renewed as many times as needed.
In this case, to join this modality, it is essential to go to a Caixa Econômica Federal branch.
