Here you will learn how to apply for a personal loan from Caixa with several notable differences. Through it, you can obtain credit with fixed or variable interest paid in the most convenient way.
Currently, Caixa also offers the option of a Salario Caixa Mensal loan for those who receive their salary or benefits in a deposit account. In this case, the debt can be paid off within a maximum period of 48 months.
In addition, you still have the freedom to choose a loan in cash or with amortization, depending on each option available. See below for more information about the service and how to formally contract it.
About taxes
Before applying for a personal loan from Caixa, it is important to know more about the taxes and fees charged by the agency when granting services, as they may vary depending on the situation of each client.
Currently, Caixa charges the Tax on Financial Transactions (IOF) at the time of signing the contract in accordance with current legislation, and in post-fixed options, interest + TR are charged monthly.
In the case of pre-fixed options, interest will be determined based on the rate in effect on the date of subscription and will be deducted from the service at the time of subscription. It is worth noting that all fees must follow the current table established by Caixa.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Who can apply for a personal loan from Caixa
Although a personal loan is a simpler line of credit, interested parties must follow some requirements defined by Caixa Econômica Federal itself.
As this is a service that involves granting credit, only people over 18 years of age can apply for it and, in some options, it is still necessary to be a current account holder at the branch to obtain approval.
Everyone who chooses to apply for a personal loan from Caixa will undergo a prior credit analysis, so it is fun to get a good and not negative score to increase your chances of obtaining credit.
How to apply for Caixa Personal Credit
Currently, it is not possible to apply for a Caixa personal loan online, so those interested in this financial solution must go to a Caixa branch to complete 3 steps, namely:
- Cadastral Analysis: All your documents will be analyzed to determine the loan limits when you make the request at the nearest Caixa branch;
- Hire: Once your registration has been approved, you must check the service conditions and then enforce the contract;
- Access to Credit: Once the loan is disbursed, the funds go directly into your account and you can use it however you want.
Contact Caixa Econômica Federal
If you have any questions about Caixa's loan application process and would like to clarify them, don't waste time and contact Caixa today. The available channels are as follows:
- 0800-726-0101 (Customer Service);
- Available 24/7.
