Protection and benefits
Private payroll-deducted loan agreement
Your employees borrow through a payroll-deducted loan at a far lower rate. Zero cost for the company.
What it is
The company signs the agreement and starts offering, as a benefit, access to a payroll-deducted loan at a rate well below the market, because the risk drops when the instalment is deducted straight from payroll.
There is no cost and no credit risk for the company. It only enables the deduction.
When it makes sense
- The team relies on expensive credit cards and overdrafts
- You want a benefit that does not weigh on the budget
- The company has a stable, formally registered payroll
How it works
- AgreementThe company is enrolled with the partner.
- CommunicationMaterial to present the benefit to the team.
- EnrolmentEach employee contracts individually, if they want to.
- OperationThe deduction goes into payroll and the company only passes it on.
What you will need
- CNPJ (Brazilian company tax ID) registration and articles of incorporation
- Number of employees and average payroll
- Contact in HR or in finance
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 protection and benefits
Next step
Tell me where the company stands. The diagnosis is free and takes fifteen minutes.
If there is a deal that makes sense, I build it and compare it. If there is not, I will say so, and you save the time of finding that out alone.