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A loan of up to R$ 4500 from CAIXA TEM is approved. learn how to ask

Last week, the Federal Senate approved a Temporary Measure (MPV 1.107/2022) that creates new lines of credit for individuals and individual micro-entrepreneurs (MEIs). Amounts provided by RA microloans has a box will be raised.

However, in order to finally update the service rules, the text must receive the sanction of the President of the Republic.

Digital SIM

The service is provided through the SIM Digital Simplification Program for Entrepreneurs and has a reduced interest rate due to its form.

The aim is to facilitate access to credit for entrepreneurs excluded from the financial system and to encourage the formalization of small businesses. The lines are aimed at individuals and companies involved in the market.

According to the approved text, the new microloan will be up to R$1,500 for individuals and up to R$4,500 for individual micro-entrepreneurs (MEI). Prior to that, the available resources were BRL 1000 and BRL 3000 respectively.

terms of service

Meanwhile, the microcredit rules has a box are not updated, the same conditions still apply. Check:

for individuals

  • Credit limit up to R$ 1 thousand;
  • Interest rate from 1.95% per month;
  • Payment term: up to 24 months;
  • The request is made digitally directly through the Caixa Tem application.

For Legal Entities (MEI)

  • Credit limit up to R$ 3 thousand;
  • Interest rate: from 1.99% per month;
  • Payment term: up to 24 months;
  • However, the survey is currently only in agencies. However, Caixa has already informed that the contract will soon be possible through Caixa Tem.

How to get a loan through Caixa Tem?

Furthermore, it is important to note that contracting through has a box available, for now, only to individuals. According to Caixa, developers are already working to allow the request of MEIs through the app.

In summary, here’s how individuals should apply for a loan through the platform:

  1. Download or update the Caixa Tem app;
  2. Make or update your registration in the application;
  3. Click on “Credit Caixa Tem”;
  4. Click on “Rent Caixa Tem Credit”;
  5. Let us know how you intend to use your loan amount. Remember that it is necessary to inform that you will use the money in some enterprise.
  6. Simulate the loan and choose the amount of payments.
  7. For those who do not yet have digital savings, the opening can be done on the spot. There are no additional charges for the procedure.
  8. Confirm the order and wait within the 10 days provided by the Federal Government.

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