Can those who do not have a Caixa Tem account apply for credit?

At the end of March, Caixa Econômica Federal launched a new type of microcredit that is available for contracting through bank branches and the Caixa Tem app. This new loan can be requested even by negative people, that is, by those who are popularly with the “dirty name”.

The purpose of making microcredit available by the government is to offer resources to individuals who want to undertake, as well as to those who are already individual microentrepreneurs (MEI).

Microcredit was implemented to encourage individual entrepreneurship, so the use of money must be justified. In addition, those with a dirty name cannot have debts above R$ 3 thousand before hiring. For those who are MEI, the bank requires at least 12 months of billing with CNPJ and it is required that the MEI does not have, until January 31, 2022, active credit accounts through the Credit Information System.

loan conditions

  • Physical person: loans from R$300 to R$1,000, with interest rates from 1.95% per month and up to 24 months to pay
  • MEI: loans from R$1 thousand to R$3 thousand, with interest rates from 1.99% per month and up to 24 months to pay

How to apply for the loan?

For individuals, credit can be requested directly on the Caixa Tem app, available for Android and iOS. For micro-entrepreneurs, it is necessary to go to a physical branch of Caixa Econômica Federal to make the request.

And who doesn’t have a Caixa Tem account?

Individuals who do not have a Caixa Tem account can also apply for a new loan from Caixa Econômica Federal. In this case, just install the application and open an account. It will be necessary to complete the registration at Caixa Tem by sending documents and photos.

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This story was last updated on May 4, 2022 5:40 PM

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