Caixa Tem Loan: see how it works

About Caixa Tem

Caixa Tem was launched in 2020, during the pandemic, initially to be a means by which the government would pay emergency aid.

However, due to the large number of successful followers of the application, it has become increasingly complete and today, it is a digital account with many features.

Among the main services available in the Caixa Tem application, we find, for example:

Transfers via PIX;
Payment of bills;
Money transfers;
Family Allowance;
My Nis;
Unemployment Insurance;
Financial tips;
Family Support Insurance.

This Monday, 09/27/2021, in addition to the services already offered, Caixa launched its credit line; that is, you can request the Caixa Tem Loan through the application.

Find out more below!

How does the Caixa Tem Loan work?

In this topic, we resolve the main doubts about this loan model.

Certainly, one of the main ones is whether you need to have a clean record, so yes, to apply for this loan you cannot have a negative credit history, in fact, it is subject to credit analysis.

Another common question is in relation to the values, initially, only values from R$300.00 to R $1,000.00 will be made available.

To request the Caixa Tem Loan It is necessary to update your registration. Some people updated before the penultimate extension of emergency aid.

However, if you haven't done so yet, rest assured that this option will appear in your Caixa Tem app.

If it doesn't appear, update your app.

However, the update will also follow a schedule. See below:

Born in:	You can update your registration from:
January and February	September 27th
March and April	October 18th
May and June	November 8th
July and August	November 29th
September and October	December 13th
November and December	December 27th

It is only possible to apply for the loan after updating your registration. Therefore, those who have not done so will have to follow the schedule.

Who can apply for Caixa Tem Credit?

This loan model can be requested by self-employed individuals who benefit from social programs, such as Bolsa Família.

Furthermore, it is also intended for wage earners and recipients of public income distribution policies.

There are two credit models available, Caixa Tem Pessoal, to help with personal expenses.

The other option is Caixa Tem Produtivo, which, as far as you are concerned, is to invest in your business.

Can I choose the amount of my loan?

No. The value of the Caixa Tem Loan depends on each customer’s profile.

The customer will only know how much has been released after the credit analysis.

However, you can request the loan as many times as you need, until you reach the maximum amount you can borrow, in this case, R$1,000.00.

However, you cannot have any outstanding installments.

In how many installments can I pay my Caixa Tem Loan?

The Personal Loan can be paid in installments of 1 to 24x.

The Caixa Tem Produtivo credit model can be paid in a minimum of 4 installments up to 24 monthly installments.

About interest rates

The big disadvantage of this loan model is the high interest rate, especially for such small amounts.

The interest rate is 3.99% per month for both credit models.

If you are in need of a low interest loan, read our article “ Méliuz Loan: see the options”.

How to hire the Caixa Tem Loan

Enter the Caixa Tem application and click and update your registration.

After this process, click on “Crédito Caixa Tem”, then just fill in the requested fields and carry out the remaining steps.

If your Caixa Tem Credit If you are approved, the best loan options will appear for you, just choose the best one.

Finally, you can still ask more questions about the Caixa Tem Loan on the website of Box.

GO TO THE BANK

Contact: 0800 104 0 104

CNPJ 00.360.305/0001-04. SBS BLOCK 4 LT 3/4, SOUTH WING – ZIP CODE 70.070-140 BRASILIA – DF

Research source: https://www.caixa.gov.br/Paginas/home-caixa.aspx

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Nara September 28, 2021