The Caixa Tem application now offers two lines of microcredit, one for personal use and the other for business. Caixa is gradually releasing a new product for users of the tool, and by the end of November new groups will have access to it.
The bank offers loans from BRL 300 to BRL 1,000 directly through the application, with 100% online contracting. To gain access to the money, the user only needs to update their data on the platform, by sending a photo of their identity document and a selfie.
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Those who already owned digital social savings had access to the novelty first, but now microcredit is already arriving for those who were not yet account holders. See the dates of the next releases:
The two lines of credit have interest rates of 3.99% per month. The customer can pay the debt in up to 24 months to pay with more peace of mind. The review of the request can take up to ten days.
Caixa Tem Pessoa Credit is available for any personal need, such as paying bills, for example. Caixa Tem Credit for Your Business is aimed at paying suppliers, purchasing tools, among other needs for your business.
After taking out the loan, the amount of the installment is deducted monthly from Poupança Digital+. Therefore, it is necessary to have a balance for the automatic debit to be made.