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Find out how to apply for a personal loan through the app. The Caixa Tem app emerged in 2020, in response to the Covid-19 pandemic that impacted Brazil, leading to social isolation and increased unemployment. In response, the Federal Government implemented Emergency Aid, aiming to provide financial support to citizens.
To prevent crowds, the app was developed. Currently, Caixa Tem remains relevant, offering additional features even after Emergency Aid payments ended, providing other benefits, such as the opportunity to obtain loans, always with attention to possible fraud.
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Caixa Tem Loan: who can apply
The Caixa Tem loan is available to entrepreneurs, including both individuals and Individual Microentrepreneurs (MEIs). However, the money may only be used for business investments.
The limit for individuals is one thousand reais, with charges of 3.99% per month and repayment options in 18 to 24 installments. You must maintain a savings account in the app and have no debts exceeding R$ 3,000. The application is submitted online.
For MEIs, the application must be made in person and the amount can reach R$ 3,000, with interest rates of 3.60% per month and payment options ranging from 18 to 24 installments. The amount can cover various business needs, such as paying suppliers, basic bills, cash flow and purchasing raw materials. In all cases, Caixa Tem conducts a credit analysis, and MEIs need a minimum of 12 months in operation to obtain the loan.
How do I install the app?
To download the app, interested parties should search for it on their smartphone’s app platforms, such as the Google Play Store for Android and the Apple Store for iPhones. Additional information about credit and other services of the Caixa Tem savings account is available on the official website.
What if access to Caixa Tem is blocked?
Caixa Econômica Federal’s digital wallet provides access to a variety of benefits. However, if access to Caixa Tem is compromised, there is an option to reactivate it via WhatsApp. Here are the steps to do so:
- Install the Caixa Tem app on your mobile device (available for Android and iOS);
- Access your account by entering your CPF and password;
- In the app menu, select the “Liberate Access” option;
- You will be directed to automated support, where you can start a conversation on WhatsApp;
- Follow all the instructions provided to submit the required documentation and reactivate Caixa Tem.
According to Caixa Econômica Federal, processing the information may take up to 48 hours. If the deadline expires and the situation persists, it is advisable to visit the nearest branch, bringing an identification document and the mobile device.
Caixa On-Lending Microcredit
This new line of credit aims to release up to R$ 300 million in funds still in 2023. Caixa will be responsible for authorizing loans to entities affiliated with Abcred and will subsequently direct these funds to entrepreneurs.
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Rita Serrano, president of CEF, emphasizes the importance of regionalizing credit. This is because microcredit should go beyond a financial transaction and take the form of a public policy.
The president also highlighted the importance of effective monitoring to achieve significant successes. Thus, a guiding approach is crucial to the project's success.
The operational model of Caixa Repasse is intended for organizations authorized to operate in the National Oriented Productive Microcredit Program. Such organizations will be able to access funds with a financing period of 48 months, with fixed installments and interest rates starting at 0.69% per month. In addition, the Credit Opening Fee (TAC) will be 1% of the contracted amount.
