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 users and the app's success, it has become increasingly comprehensive and today it is a digital account with many features.

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

Transfers via PIX;
Bill payment;
Money transfers;
Family Allowance;
My NIS;
Unemployment Insurance;
Financial tips;
Family Support Insurance.

This Monday, September 27, 2021, in addition to the services already offered, Caixa launched its credit line; that is, you can apply for... Caixa Tem Loan through the app.

Learn more below!

How does the Caixa Tem loan work?

In this topic, we address the main questions about this loan model.

Certainly, one of the main requirements is having a clean credit history, so yes, to apply for this loan you cannot be in default; in fact, you are subject to credit analysis.

Another common question is regarding the prices; initially, only prices from R$300.00 to R$1,000.00 will be available.

To request the Caixa Tem Loan You need to update your registration. Some people updated theirs before the second-to-last extension of the 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:	They can update their registration starting from:
January and February	September 27
March and April	October 18
May and June	November 8th
July and August	November 29th
September and October	December 13th
November and December	December 27th

You can only apply for the loan after updating your registration information. Therefore, those who haven't done so yet will have to follow the schedule.

Who can apply for Caixa Tem Credit?

This type of loan can be requested by self-employed individuals and beneficiaries of social programs, such as Bolsa Família.

Furthermore, it is also intended for salaried workers and beneficiaries of public income distribution policies.

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

The other option is Caixa Tem Produtivo, which, as far as it's concerned, is for investing in your business.

Can I choose the amount of my loan?

No. The amount of the Caixa Tem loan depends on each customer's profile.

The customer will only know the amount that has been approved after the credit analysis.

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

However, you cannot have any overdue payments.

How many installments can I pay my Caixa Tem loan in?

The Tem Pessoal Loan can be paid in installments of 1 to 24 months.

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

Regarding interest rates

The major drawback 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 need a loan with low interest rates, read our article “ Méliuz Loan: See the options”.

How to hire Caixa Tem Loan

Enter the Caixa Tem app and click to update your registration.

After this process, click on "Caixa Tem Credit", then simply fill in the requested fields and complete the remaining steps.

If your Caixa Tem Credit Once approved, the best loan options for you will appear; simply choose the one that best suits you.

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 QUADRA 4 LT 3/4, ASA SUL – CEP 70.070-140 BRASILIA – DF

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

Caixa Tem Loan: See how it works

About Caixa Tem