Caixa Econômica Federal, one of the largest public banks in Brazil, offers a series of financial services, including personal loans.
If you are considering applying for a Caixa personal loan, this complete guide will help you understand how the entire application process works.
Learn how to apply for a loan with multiple credit options
Caixa's personal loan offers a variety of credit options, suitable for a variety of financial situations.
So, whether you are looking to make a large purchase, take a trip or settle outstanding debts, there is a loan option for you.
Who can apply for a Caixa personal loan?
In order for a person to apply for a personal loan from Caixa, they must be over 18 years old and present a document proving their income.
This way, the bank will be able to determine the amount it will lend.
Step by step guide to applying for a Caixa personal loan
- Credit Analysis: First, Caixa performs a credit analysis of the applicant. This includes checking the applicant's payment capacity, credit history and general financial situation.
- Contracting: Once approved, the customer can proceed with the contracting of the personal loan. This involves choosing the amount and the number of installments to be paid.
- Money released: After hiring, the money is released into the client's account, usually within two business days.
Requested documents
To apply for a Caixa personal loan, you must present the following documents: ID, CPF, proof of residence and proof of income.
Caixa loan simulator
Caixa provides a loan simulator on its website, which allows customers to check the loan conditions in advance, such as interest rates and installment amounts, according to the amount requested and the payment term.
Personal loan from Caixa or PagBank: Which is better?
Have you ever thought about taking out a personal loan and are unsure between PagBank and Caixa Econômica Federal?
Both banks offer great options for those who need quick cash. However, each has its own characteristics.
Below, we present the strengths of each to help you make the best choice:
The Caixa loan stands out for the following advantages:
- Possibility of dividing the payment into up to 48 installments;
- It offers four different lines of credit to choose the one that best suits your needs;
- Option to pay in cash or in monthly installments, according to your convenience;
- Special benefits and preferential conditions for Caixa customers.
PagBank also brings a series of benefits:
- The entire process is done digitally, without the need to go to a branch;
- The contract can be signed within 3 business days;
- The application is free from complicated bureaucracy;
- Offers a credit limit of up to R$50,000;
- The payment term can be up to 24 months;
- Provides 15 days of interest-free and penalty-free grace period to start paying the loan;
- The loan amount is deposited into the applicant's account within one day for individuals and up to three days for legal entities.
With this information in hand, it is easier to evaluate which option best fits your profile and financial needs.
