Payroll loans for CLT employees are now available; see how to simulate an application.
The new Payroll Loan for CLT Employees It is now available for workers with formal employment contracts.
That type of credit This offers an unprecedented opportunity for those seeking loans with lower interest rates, longer repayment terms, and greater security. If you are formally employed, you can now simulate and apply for the loan directly through the Digital Work Card app, in a simple, fast, and hassle-free way.
Payroll loan for CLT employees with negative credit history
Do you have a bad credit history? You can still access CLT-secured payroll loans. Because installments are deducted directly from your paycheck, the risk of default for banks is lower, allowing even workers with negative credit histories to obtain this type of loan.
I.e: Having a restriction on your CPF (Brazilian taxpayer ID) does not prevent the release of credit., provided that you meet the other requirements, such as having an active CLT (Brazilian labor law) contract, available payroll deduction margin (up to 35% of net salary), and working for a company affiliated with authorized financial institutions.
When does it start?
The CLT (Consolidation of Labor Laws) payroll loan is already active and functioning. Its release was officially announced in March 2025, and since then, millions of simulations have already been carried out through the Digital Work Card app. If you haven't tried it yet, you can access the app right now, log in with your gov.br account, and start your simulation for free.
Financial institutions have up to 24 hours to present personalized proposals. You can compare them calmly, without rushing or pressure. And if you want to back out after signing the contract, the worker has up to 7 consecutive days to cancel the transaction, provided they return the amount received.
Which banks will offer payroll loans for CLT (Consolidation of Labor Laws) employees?
Several financial institutions are already authorized to offer CLT (Consolidation of Labor Laws) payroll loans, and the list is expected to grow in the coming weeks. Among the best-known banks and financial institutions that are already sending proposals are:
The simulation is done within the Digital Work Card application, And the offers appear right there. In other words, you don't need to contact each bank separately. Just run a single simulation and wait for the offers directly in the app.
FAQ:
How does payroll-deducted loan work for CLT (Consolidation of Labor Laws) workers?
Payroll-deducted loans for CLT (Consolidation of Labor Laws) workers work by directly deducting installments from their monthly salary. This provides greater security for banks, allowing them to offer lower interest rates. The loan application process is done digitally, especially through the Digital Work Card app, where workers can simulate and choose the best offer from available banks.
What is the maximum loan amount for a CLT loan?
The maximum amount a CLT (Consolidation of Labor Laws) worker can borrow depends on their net income and the chosen term. The basic rule is that monthly installments cannot exceed 35% of the net salary. Thus, the higher the salary and the term, the greater the amount of credit that can be approved. The calculation always considers the limit of the available payroll deduction margin.
When will the payroll loan for CLT (Consolidation of Labor Laws) employees be available?
Loans secured by payroll deduction for CLT (Consolidation of Labor Laws) workers have been available since March 2025. Applications can be made directly through the Digital Work Card app. Since its launch, millions of simulations have already been carried out, and banks have been responding with proposals within 24 hours. There is no need to wait for any new releases.
How can I get a loan if I'm a CLT employee (employee under the CLT labor law)?
To obtain a payroll loan as a CLT employee (Brazilian labor law employee), the worker needs to have a formal employment contract, available payroll deduction capacity, and work for a company affiliated with participating banks. The process begins with a simulation on [website/platform name - specify if available]. Digital CTPS application, where proposals are generated automatically. Then you just choose the best option and proceed with the hiring process.
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