Personal credit
Personal and payroll-deducted loans
The instalment deducted straight from your payroll or your benefit, at the lowest rate in unsecured credit.
What it is
In a consignado, a payroll-deducted loan, the instalment comes out before the salary lands: INSS (Brazil's social security), public servants or employees of a company with an agreement in place. Because the risk falls, the rate falls with it.
It is the most efficient swap there is: leaving revolving card debt or an overdraft and moving into a cheap, predictable debt.
When it makes sense
- There is expensive card or overdraft debt running
- You are retired, a public servant or work at a company with an agreement in place
- Your payroll deduction margin is still free
How it works
- MarginI check the available payroll margin and the agreement.
- ComparisonI compare rate and term across partners.
- SigningDigital signature and registration with payroll.
- ReleaseMoney in your account within a few days.
What you will need
- Photo ID, CPF (Brazilian individual tax ID) and proof of address
- Payslip or benefit statement
- Bank details
The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.
Also in personal credit
Next step
Tell me your goal. The simulation is free and takes fifteen minutes.
If the best offer is the one you already have, I will tell you. If it is not, you will know exactly how much you were leaving on the table.