Caixa launches cell phone loans for non-customers

Caixa Econômica Federal released on Monday (8), which people who are not bank customers can take loans R$300, 100% digitally (by cell phone), through the Caixa Tem app.

Anyone who is not a Caixa customer and was born between January and June will be able to apply for a loan. For this you will need to register in the application (available on Google Play or App Store). According to the bank, no income limit will be required to access credit.

restrictions

People who have restrictions in credit agencies such as Serasa and SPC and who have other financing that affects their ability to pay will not be approved for their credit.

The bank also made it possible on Monday, that those born in May and June who already have digital social savings accounts in the bank and use the application, can get loans through Caixa Tem, in this case, it will not be necessary to go to the Caixa branch.

It is recommended that people who already have a digital savings account update and register the app. You just need to scan your identification document and a photo (personal photo). The deadline for analyzing the application is 10 days.

Caixa Econômica Federal has informed that when the application is updated, your old Poupança Social Digital account will be transferred to Poupança Digital +, to which the amounts will be credited. Be aware, this account may incur costs depending on the number of transactions you will be making.

cash loan to him

You can count on two types of loans at Caixa Tem:

Cash credit has employees: Designed to cover overheads and pay bills.
Cash credit you have for your business: It can be used to pay expenses with suppliers, assistants/staff salaries, water and electricity, rent bills, purchase raw materials, goods for resale, etc.

Caixa will release loans from R$300 to R$1,000, at an interest rate of 3.99% per month, and the repayments can be divided into 24 installments.

The amounts will be credited exclusively to Poupança Digital + after the credit line is contracted. The premiums will be deducted monthly from the same account. You can find more information on the website www.caixa.gov.br/caixatem.

Who can not apply for the loan?

According to Caixa, people who are currently registered with Bolsa Família and Auxilio Brasil will not be able to obtain the loan. However, beneficiaries of other programs will be able to obtain the loan if the records are approved after analysis.