Crédito Popular

Popular Credit: Simple, fair, and affordable payroll loans.

Popular Credit is an authorized banking correspondent that connects you with financial institutions regulated by the Central Bank to arrange payroll loans and advance your FGTS Anniversary Withdrawal in a 100% digital, secure, and transparent manner.

Our Services

FGTS Anniversary Withdrawal Advance: Use part of your balance as collateral and receive your payment now.

INSS Payroll Loan: For retirees and pensioners, with a direct discount on your benefit.

Payroll Loan for Public Servants: Services available at federal, state, and municipal levels (as per agreements).

Private Payroll Loan (CLT): For employees of partner companies.

Portability and Refinancing: Possibility of improving terms or releasing new funds, with transparency.

Repayment terms (minimum and maximum)

INSS/BPC Payroll Loan: from 6 to 96 months. Civil Servant/CLT Loan: 6 to 96 months (may vary by agreement/company).

FGTS Anniversary Withdrawal Advance: 1 to 10 annual installments (1–10 years), with annual direct debit from the FGTS.

Rates and APR (typical examples)

Consigned Loan: monthly rates from 1.61% per month to 1.85% per month; annual rates from 21.13% per year to 24.60% per year; minimum APR of 1.66% per month (21–78% per year) and maximum APR of 1.90% per month (25.35% per year).

FGTS (Anniversary Withdrawal): monthly rate from 1.29% per month to 1.79% per month; Annual rate of 16.63% per year to 23.73% per year; Minimum APR of 1.39% per year; Maximum APR of 2.08% per year; Maximum APR of 27.98% per year.

Representative examples (illustrative)

INSS Loan: R$10,000.00 in 96 months – estimated installment of R$215.50, interest of 1.63% per year, APR of 1.67% per year; approximate total value of R$20,688.00. FGTS Anniversary Withdrawal: Transaction carried out in December 2023, anniversary date on the 8th. With a balance of R$5,223.20 in the FGTS, it is possible to advance R$3,504.49, to be paid in 11 annual installments, with a rate of 1.79% per month and an APR of 1.95% per month (26.15% per year).

Important Notes

We do not offer loans with repayment terms of 60 days or less.

We do not charge advance payments for credit release.

The loan agreement is subject to review and approval. Conditions vary depending on the agreement, the client's profile, and the partner financial institution's policies.

The APR is provided prior to the agreement. The app's simulators provide estimates; the final amounts will be included in the proposal/contract.

With the FGTS Anniversary Withdrawal Advance, early repayment is possible; For portability/refinancing, terms and rates follow the rules of the agreement and the financial institution.

Banking correspondent: FACTA FINANCEIRA CP INTERMEDIAÇÕES DE NEGÓCIOS LTDA – CNPJ 34.516.301/0001-94

Business address: PC BALDUINO DA SILVA CALDAS, 178 – BLOCK 25, LOT 16, ROOM 2 – DOWNTOWN – 76.630-000 – ITABERAÍ/GO

Crédito Popular acts as an intermediary between the customer and partner financial institutions, all regulated by the Central Bank of Brazil.

Updated on: September 18, 2025