Here, you'll learn how to apply for a personal loan from Caixa, with several notable differences. Through this loan, you can obtain credit with fixed or variable interest rates, paid in the most convenient way.
Caixa also currently offers the Salario Caixa Mensal loan option for those who receive their salary or benefits in a deposit account. In this case, the debt can be repaid within a maximum term of 48 months.
Additionally, you have the freedom to choose a cash loan or a repayment loan, depending on the available option. See below for more information about the service and how to formally sign up.
About taxes
Before applying for a personal loan from Caixa, it's important to learn more about the taxes and fees charged by the agency when granting services, as these can vary depending on each customer's situation.
Currently, Caixa charges the Tax on Financial Transactions (IOF) upon signing the contract in accordance with current legislation, and in post-fixed options, interest + TR are charged monthly.
For 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 important to note that all fees must follow the current rate table established by Caixa.
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Who can apply for a personal loan from Caixa?
Although a personal loan is a simpler line of credit, interested parties must follow certain requirements defined by Caixa Econômica Federal itself.
Because this service involves granting credit, only those over 18 years of age can apply for it, and in some cases, you must also 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's important to get a good, non-negative score to increase your chances of getting 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:
- Credit Analysis: All your documents will be analyzed to determine the loan limits when you apply at the nearest Caixa branch;
- Hire: Once your registration is approved, you must check the service conditions and then enforce the contract;
- Access to Credit: Once the loan is disbursed, the funds go directly to your account and you can use them as you wish.
Contact Caixa Econômica Federal
If you have any questions about Caixa's loan application process and would like clarification, don't hesitate to contact Caixa today. The available channels are:
- 0800-726-0101 (Customer Service);
- Available 24/7.
