When money is tight and the accounts don't add up, the search for instant loan via Pix becomes a quick and efficient solution. After all, Pix has become popular among Brazilians due to its speed, and now many banks and fintechs are also releasing instant credit directly into accounts through this tool. And the best part: with easy approval for those who have an active CPF and recent activity, even with a negative name.

But do all banks offer credit? How do you know if you have a credit limit available on your CPF? And what precautions should you take before accepting a credit offer? That's what we'll discuss now—with practical tips, simple language, and straight to the point. Let's learn how to secure yours.

What is a Pix loan and how does it work?

Unlike the old models, where the money took days to fall, the loan via Pix is transferred immediately after approval. This means that if everything is correct, the amount will be transferred to the account immediately. minutes or even seconds.

In practice, it works like this:

  1. You access the institution's app or digital wallet.
  2. Request the desired value (some release from R$100).
  3. After analysis, if approved, the amount is transferred by Pix to your account.
  4. Payment can be made by bank slip or direct debit.

And you know what's most interesting? Many of these loans are released without proof of income, based solely on your recent digital behavior.

Which banks easily release loans via Pix?

Here is an updated list of banks and portfolios that are releasing loans with immediate transfer via Pix and simplified analysis:

1# Caixa Tem
Caixa offers microcredit for those with recent transactions in their app account. Amounts start at R$1,500 and go up to R$1,500. The funds are released via Pix for those who already have a registered key and a valid CPF.

2# PAN Bank
It releases amounts between R$$250 and R$$2,000 with payment in up to 24 installments. The analysis is simple and can approve those with bad credit. The funds are transferred via Pix in just a few minutes.

3# Will Bank
For those with an active account and active transactions, Will releases the credit directly into your account via Pix. You can track everything through the app and accept pre-approved proposals.

4# Nubank
Although more selective, Nubank offers loans with immediate transfer via Pix for those who already have a relationship with the bank. It's worth checking the app for available offers.

5# PagBank (PagSeguro)
Even with a bad credit rating, PagBank has a history of easily issuing credit. Funds are deposited via Pix and can be used immediately.

6# Mercado Pago
If you receive sales or make account transactions, there's a good chance you'll receive credit. Transfers are made via Pix, and payments are made via direct debit.

7# Serasa eCred
This isn't a bank, but it allows you to compare different offers. Many partner institutions offer same-day Pix payments.

How do I know if a loan is available using my CPF?

You can check using just your CPF in some of the apps mentioned. Here are some easy ways to check:

  • Go to the Caixa Tem app and go to “Loan”If an active proposal appears, you already have a limit.
  • In the Nubank or Mercado Pago app, go to the credit tab and see if there are any offers.
  • Access the Serasa eCred website with your CPF and see the proposals available from different companies.
  • Use the PagBank app and see if there is pre-approved credit right on the home screen.

It doesn't hurt to try. Sometimes the money is already released, just a click away.

Is it possible to get it even with a bad credit history?

Yes! One of the advantages of loan via Pix with easy approval is that it also serves those who have a restricted name, as long as the CPF is in order with the Federal Revenue Service.

Many banks and portfolios don't just look at the SPC/Serasa history, but also:

  • If you move the account.
  • If you receive money frequently.
  • You pay bills through the app.
  • If you use the virtual card or Pix on a daily basis.

In other words, those who move digitally can indeed obtain the amount, even with previous debts.

How long does it take for the money to fall?

This is the part that most encourages those who need it: Pix loans usually appear in your account within minutes. See what influences speed:

  • Whether the analysis is automatic or manual.
  • Whether the bank accepts Pix on weekends or at night.
  • If you have a valid registered Pix key.
  • If the account where the amount will be deposited is from the same institution.

On average, users report that the amount is released within 15 minutes after approval. In some cases, release is almost instantaneous.

What precautions should be taken before accepting?

Even though it's a quick solution, it's important to be cautious. After all, the amount will need to be repaid—and with interest. Before accepting, keep an eye on:

1# Analyze the interest rate: small amounts can hide high fees.
2# See the number of installments and the final total.
3# Avoid proposals outside of official apps. Scammers use the name of banks to commit fraud.
4# Never pay in advance to release creditThis is a scam.
5# Beware of promises of easy money on social media or WhatsApp.

How to increase your limit over time?

If the amount released is now small, know that with some attitudes you can achieve greater limits in the coming months:

  • Move the account: pay bills, receive transfers, use Pix frequently.
  • Avoid late paymentsThis helps to build a good reputation.
  • Use credit responsibly. Pay before the due date, if possible.
  • Top up, use your virtual card, and enjoy the app's services..

This type of behavior is monitored and helps improve the credit profile, which results in larger amounts and longer terms in the next requests.

See also: Instant R$200 loan: see the limits available for your CPF

April 14, 2025