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The Caixa offers loans through Caixa Tem, an app that is very easy and quick to use. Thus, both individuals and legal entities can apply for credit if they need money.
So, see below how to request this resource directly through the app, without even needing to leave home.
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How to apply for a loan through Caixa Tem?
The first step is to access Caixa Tem and log in to your account. Once you have done that, follow these steps:
- Go to the loans section;
- Submit your application;
- A chat will appear on the screen with the message “Simulate and apply”;
- After clicking this option, the app will inform you whether or not you are eligible to receive the loan;
- If you are approved for the amount, simply follow Caixa’s instructions to apply for the loan. However, if you were not approved for the loan, you can try again later and see whether your application is approved.
Who can apply for the loan?
This Caixa Tem loan offers two credit options, the first of which is Individual Entrepreneur, intended for individuals with less than R$ 3,000 in debt with banks as of January 31, 2022.
Thus, those who choose this option will be able to obtain a loan of R$ 1,000 with up to 24 months to repay it. The interest rate is 3.99% per month, and the application is made through the app itself.
The other option is loan the Individual Microentrepreneur – MEI option, for those who have had an MEI for more than twelve months.
Therefore, to obtain the credit, annual revenue must be less than R$ 81,000, and debt must be less than R$ 3,000 as of January 31, 2022. The interest rate for this option is 3.60%. In this case, you must go to a Caixa branch to complete the application.
Image: Marcello Casal Jr/ Agência Brasil
