THE Nubank personal loan It's one of the most convenient options for those seeking fast credit, with transparent rates and digital 100%. Without leaving home, customers can simulate the amount, choose the number of installments, and know exactly how much they'll pay each month—all directly in the app.

If you're thinking about paying off debt, realizing a dream, or simply need a financial boost, this type of credit could be the lifeline you need. And the best part: the funds are usually released immediately for those who already have an approved credit limit.

What is the Nubank personal loan?

This is a line of credit offered to customers who already have a digital account with the bank. Unlike a secured or payroll loan, Nubank personal loan It doesn't require a salary, retirement, or assets like a house or car. Hiring is done entirely through the app, quickly and without bureaucracy.

Nubank's proposal is clear: to make access to credit simpler, more transparent, and more accessible. It all starts with a simulation you can run yourself in the app, without compromising your CPF and without unpleasant surprises at the end.

Who can hire?

The loan is available to customers who already have a Nubank account. Approval depends on the financial profile of each person, but the bank has stood out for offering personalized proposals based on user behavior.

If you use your account, pay your card bills on time, or have already used your card with a guaranteed limit, for example, your chances of receiving a credit offer are greater.

It's not necessary to have a high income or a clean record, but maintaining a valid CPF and avoiding delays in financial services are points that count positively in the analysis.

How do I simulate a loan on the Nubank app?

The simulation is simple, intuitive, and only takes a few minutes. See the step-by-step guide:

1# Open the Nubank app on your phone.
2# From the Home menu, tap "Loan".
3# If there is an offer available, you will see the option to simulate.
4# Choose the amount you wish to hire.
5# Set the number of installments (generally between 6 and 24 months).
6# See on the screen the total amount with interest, the total effective cost (CET), and the monthly installment amount.
7# If everything is ok, tap “Take out a loan”. The amount is deposited into your account within minutes.

The big advantage is the clarity of information. Before you even sign the contract, you already know exactly how much you'll pay and the impact of the interest rate over time.

What is the interest rate on a Nubank loan?

You interest varies according to each customer's profile. Those with a good payment history, regular transactions, and conscientious card use tend to receive offers with lower rates.

In general, Nubank offers monthly rates starting from 1.9%, which may reach higher values if the risk of default is considered greater.

That's why simulating a loan is so important: the app shows you the exact amounts for your situation, with no hidden fees or surprises along the way.

How long does it take for the money to be deposited into the account?

After hiring, the value is deposited directly into the Nubank account, almost always in a matter of minutesThis is possible thanks to the bank's internal integration and the use of Pix for instant transactions.

It's ideal for those who need to solve an urgent problem or take advantage of an opportunity without wasting time.

How to pay the loan?

Payment of installments is made via direct debit in your Nubank account. On the chosen due date, the installment amount is automatically deducted from your available balance. If you don't have enough funds, you can make a manual payment through the app.

You can also advance installments, with the right to discount on future interestThis feature is interesting for those who want to pay off faster and save money overall.

Can I take out more than one loan?

It depends. If you've already taken out a loan and are paying on time, Nubank may offer you a new, additional credit proposal, depending on your financial behavior and the evolution of your relationship with the bank.

Whenever a new offer becomes available, it will automatically appear in the app's loans tab.

How to increase your chances of having credit approved?

If you haven't received a personal loan proposal from Nubank yet, there are a few things you can do to help:

  • Use your credit card frequently and pay your bill on time.
  • Avoid delays in other bills or financial commitments.
  • Manage your Nubank account with Pix, transfers, bill payments, and more.
  • Avoid keeping your balance at zero for a long time.
  • Use the card with a guaranteed limit to start building your track record.

These actions help demonstrate that you are an active user with good financial behavior, which increases your chances of having credit approved in the future.

Is Nubank Loan Safe?

Yes, totally. The process takes place within the Nubank app itself, which has layers of security, data encryption and two-factor authentication. You don't need to provide information to third parties, and all contract terms are visible before signing.

Additionally, customer service is available 24/7 via in-app chat.

Is it worth taking out a Nubank personal loan?

If you need extra cash urgently, want to pay off a debt with higher interest rates, or put a plan into action, a Nubank personal loan can be a great option. It offers:

  • Transparent simulation
  • Fast hiring
  • Almost immediate release
  • Fair interest rates for those with a good profile
  • Easy and digital payment

As with any financial decision, it's best to do the math calmly, simulate different terms and installments, and only take out a loan if you're certain you'll be able to honor the commitment. Used with planning, a loan can be an important ally.

See also: Instant loan via Pix: check out the banks with easy approval

April 14, 2025