THE payroll loan for workers With a formal employment contract (CLT) is gaining more and more popularity among Brazilians. But one of the most common questions is: after all, what is the maximum amount I can take out in a CLT payroll loan?

Below, you'll find clear solutions to this question, with practical examples and everything you need to know before hiring.

CLT Consigned Loan Values

What defines the maximum value of a CLT loan?

The maximum amount that a CLT worker can hire depends basically on two factors:

1# Net monthly salary

2# Loan repayment term

The most important thing of all is to understand the consignable margin, which is the maximum percentage of your salary that can be committed to paying the installments. For CLT workers, this limit is 35% of net salary.

In other words, you don't simply choose the amount you want to borrow: you need to make this calculation based on how much you can pay per month, considering this limit of 35%.

How to calculate the maximum loan amount?

Let's assume you earn R$ 3,000 net per month. With the margin of 35%, the maximum monthly installment amount you can take on is R$ 1,050.

Now let's imagine you choose to repay the loan over 24 months (2 years). With a simulated monthly interest rate of 1.6%, you would get a loan of approximately R$ 20,000 to R$ 21,000.

It is important to remember that this value may vary depending on:

  • The interest rate applied by each financial institution;
  • The chosen term for payment;
  • The assignable margin is still available (if you already have another active assigned loan).

Can I commit 100% of my assignable margin?

Yes, you can commit up to 35% of your total assignable margin. However, experts recommend not using 100% of the limit, precisely to avoid problems in case of emergencies or unexpected expenses.

Using between 20% and 30% of your salary is usually the most prudent option, as it allows for greater financial security.

Is there a minimum value to hire?

Most banks set minimum amounts for CLT payroll loans, which are generally between R$$ 500 and R$$ 1,000. This varies by institution.

What if I want more money than the limit allows?

If the amount you need exceeds the amount allowed by the assignable margin, you have a few alternatives:

  • Increase the deadline payment, if the institution allows it;
  • Reduce the value of the installments;
  • Wait for salary increase, so that your consignable margin increases naturally;
  • Pay off or renegotiate existing loans to free up margin.

What is the maximum term to pay a CLT loan?

Currently, the term can vary between 12 and 48 months, depending on the institution. Some are now offering terms of up to 60 months (5 years). Keep in mind that the longer the term, the lower the installment, but the higher the total amount paid in interest.

Is there a limit to how many loans I can have?

You can have more than one active payroll loan, as long as the total amount of installments doesn't exceed the 35% margin. In other words, your payroll margin determines everything, not the number of contracts.

Practical example

Imagine a worker with a net income of R$1,000 per month:

  • Consignable margin: R$ 1,400
  • Term: 36 months
  • Interest rate: 1.5% per month

In this case, he would get credit in the range of R$ 30,000 to R$ 32,000.

But if he already has another loan with an installment of R$ 600, the remaining margin will be R$ 800, which reduces the amount he can borrow.

The value always depends on your income

There's no set amount for everyone when it comes to CLT payroll loans. It all depends on your income, the term you choose, the interest rate, and, most importantly, your available loan margin.

The key is to plan well, simulate different scenarios, and avoid committing to installments that exceed your means. The CLT loan is a powerful tool when used wisely. Now that you know the maximum amount, how about running a simulation based on your salary and finding out what you can afford?

See also: What are the rules for payroll loans?

March 24, 2025