Caixa Personal Loan is the ideal financial solution for those who want quick access to credit. There are a variety of options to choose from, one of which will surely meet your needs and affordability.
One of the biggest differences in this service offered by Caixa Econômica Federal is that the customer can choose to pay in cash or in monthly installments, with post-fixed or pre-fixed rates.
The general terms and conditions of a loan vary from person to person, as the agency carries out a separate analysis of each financial situation. Based on this post, you will be able to learn more about the options available, so keep reading.
How does the Caixa Personal Loan work?
Personal loans or personal credit are one of the most common services offered by banks and financial institutions throughout Brazil and are a less bureaucratic and easy-to-apply alternative.
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To enter into a contract, it is not necessary to be a current account holder or to leave assets as security for payment. Due to the latter condition, rates and fees will be slightly higher to compensate for the higher risk of default.
In the case of a personal loan from Caixa, the customer can use the amount obtained for whatever they want, whether it be investing in a business, paying off debts or even traveling with the family.
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Discover the main advantages
Now that you have a better understanding of how a Caixa personal loan works, it's time to understand its main conditions, which align with its main advantages, including:
- Flexible installments: pay your loan in up to 60 monthly installments;
- Variety: The service offers 4 credit options so that the customer can choose the one that best suits their needs;
- Convenience: you decide whether you want to pay in cash or in monthly installments.
Furthermore, regarding the fees, they are quite fair and the IOF will charge them according to the legislation in force at the time of signing the contract. To see more detailed fees, consult the official Caixa website or visit the nearest branch.
Offers personal credit options
As mentioned in this article, you can choose the Caixa personal loan option that best suits your current needs. See the available options below:
- Fixed monthly personal loan: with fixed interest, repayment term from 1 to 48 months;
- Post-fixed monthly personal loan: Has post-fixed interest and payment terms ranging from 4 months to 36 months;
- Fixed Monthly Cash Loan: For those who receive their salary in a benefit account or make deposits at Caixa. The interest is predetermined and the payment terms vary from 1 month to 48 months;
- Monthly Post-Fixed Loan: For those who receive benefits or payroll in a direct deposit account at Caixa. Interest is predetermined and payment terms vary from 4 to 36 months.
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