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Caixa offers loan options through Caixa Tem, an application that is quick and easy to use. This way, both individuals and companies have the possibility to apply for credit, meeting their financial needs.
So, below, see how to request this feature directly through the app and check out the options that the bank offers to customers.
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Who can hire?
The loan made available by Caixa Tem has two types of credit. Therefore, the first of them is the Empreendedor PF, aimed at individuals with bank debts of less than R$1,000 until January 31, 2022.
Those who opt for this modality will have access to a loan of up to R$1,000, with a term of up to 24 months to pay off. Thus, the interest rate is R$3,991 per month, and the request can be made directly through the application.
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The second loan option is for Individual Microentrepreneurs (MEI) who have been registered for more than twelve months. To be eligible for this credit, it is necessary to have an annual turnover of less than R$1,000.00 and have debts not exceeding R$1,000.00 by January 31, 2022.
The interest rate for this modality is fixed at 3.60%. However, to sign up, you must go to a Caixa branch in person.
How to apply for a loan at Caixa Tem?
The first step is to access Caixa Tem and log in to your account. Once this is done, follow the steps below:
- Enter the loans area;
- Make your request;
- A chat will appear on the screen with the message “Simulate and hire”;
- After clicking on this option, the application will notify you whether or not you are eligible to receive the loan;
- If you get the amount, just follow Caixa's instructions to apply for the loan. However, if you didn't get the loan, you can try again later and see if your request was accepted.
Image: Marcelo Camargo/Agência Brasil
