Therefore, the payroll loan is a type of credit that allows installments to be automatically discounted from the INSS benefit or payroll (paycheck). As there is a guarantee of payment, interest rates are lower, in addition to the other advantages offered.
The target public of payroll loans are retirees and INSS pensioners; military personnel of the Armed Forces; public servants at the municipal, state and federal levels; and workers with a formal contract, whose company has an agreement with a bank.
Best payroll loans 2021
Among the various financial institutions that offer the loan modality, check out the list of 8 best payroll-deductible loans in 2021:
1 – Caixa Econômica Federal
At the state-owned company, INSS retirees and pensioners have the service with interest rates starting at 1.45% per month. Also, those who have a consignable margin can hire the Caixa Simples credit card.
2 – Banco do Brasil
The BB payroll loan releases the money in just a few minutes in the bank account. In addition, the service has a 180-day grace period.
3 – Banco Bradesco
In the case of Banco Bradesco payroll loans, the average interest rate is 1.62% per month. The line has a grace period of 90 days and up to eight years to settle the debt.
4 – Santander Olé Consigned
With competitive advantages in the financial market, the Santander Olé Consignado credit line is made 100% digitally and without consulting SPC and Serasa.
5 – Agibank
The Agibank loan can be contracted in a simplified way, and it is still possible to request additional credit when applying for a credit card.
6 – Bench BMG
In addition to reduced interest rates and extended payment terms, BMG payroll loans are released quickly.
7 – Banco Inter
The credit line at Inter can be requested by account holders or not, offering equal conditions. Interest rates start at 1.30% per month and have fixed rates and are unchanged.
8 – PAN bench
The loan at Banco PAN offers exclusive conditions, with average rates of 1.75% per month and digital contracting.
Also read: Caixa will release credit of up to R $ 1,000 by cell phone; Find out how to get it
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