THE CLT payroll loan It has recently gained prominence for allowing private sector workers to access credit with more attractive conditions. But before signing a contract, it's essential to understand all the rules involved in this type of loan. In this text, we will detail what is and isn't allowed with a CLT (Consolidation of Labor Laws) loan so you can make a conscious and safe choice.
What is a CLT payroll loan?
A CLT payroll loan is a type of credit aimed at workers with a formal employment contract. The main difference here is that the installments are deducted directly from the worker's monthly salary. This provides more security for the bank and, consequently, lower interest rates for the borrower.
Loan applications and simulations can be done digitally, primarily through the Digital Work Card, in partnership with authorized financial institutions.
What are the main rules of the CLT (Consolidation of Labor Laws) loan?
Let's get straight to the point. See below what will be in effect in 2025:
1# Being a worker with a formal employment contract (CLT)
The first rule is clear: only those who are employees of a private company with an active formal employment contract can hire this service. This means that self-employed workers, informal workers, or public servants do not qualify for this category—other credit lines exist for these profiles.
2# Have available payroll deduction margin
The maximum amount that can be deducted from a salary for loan payments is represented by the amount that can be committed to paying installments. For CLT (Consolidation of Labor Laws) workers, the maximum limit is... 35% of net salary.
Example: if you earn R$ 3,000 net, you can commit up to R$ 1,050 per month to the loan.
3# Hiring only through official channels
The hiring process must be completed through authorized digital channels, such as the app of [company name]. Digital Work Card. In the app, you access the "Loans" tab, simulate loan amounts, and receive offers from financial institutions that partner with the Ministry of Labor and Social Security.
4# Institutions have up to 24 hours to submit proposals.
After the simulation, banks and financial institutions have up to 24 hours to respond with proposals. This allows the worker to calmly compare the offers before making a decision.
5# Right of withdrawal
After being hired, the worker has 7 consecutive days To regret and cancel the contract, provided that the full amount received is returned. This rule aims to protect the consumer from impulsive or ill-informed decisions.
6# No harassment or unwanted calls
Companies are prohibited from making persistent calls offering this type of loan. Sending messages via WhatsApp, SMS, or other channels that harass the worker is also forbidden.
7# Hiring is voluntary and without pressure.
No company can force an employee to take out a payroll loan. Participation must be voluntary, initiated by the individual concerned. Any instance of pressure can be reported to the appropriate authorities.
Important tips before hiring
Even though CLT (Consolidation of Labor Laws) loans have advantages, caution is necessary. Here are some important guidelines:
- Always compare the offers you receive;
- Evaluate the total effective cost (TEC), not just the interest rate;
- Simulate different payment terms;
- Avoid committing your entire available credit limit;
- Do not accept offers over the phone without first checking their origin.
Who can't hire?
Despite seeming accessible, CLT (Consolidation of Labor Laws) payroll loans are not available to everyone. The following are excluded:
- Self-employed and informal workers;
- Public servants and retirees (these have other types of payroll loans);
- Employees of companies that have not signed agreements with participating banks.
Why did the government launch this option?
The government's main objective in launching the Worker's Credit program was to facilitate access to credit for salaried workers in the private sector, with fairer interest rates and a lower risk of default.
In this way, it is also expected to reduce the worker's dependence on abusive credit lines, such as revolving credit card debt or overdraft facilities.
What if I get fired?
This is a common and very valid question. If the employee is dismissed from the company during the loan repayment period, part of the severance pay can be used to pay off or reduce the outstanding balance. The remainder may continue to be charged directly to the employee, respecting the contractual terms established at the time of contracting.
Is it worth hiring?
If well planned, a CLT (Consolidation of Labor Laws) payroll loan can indeed be an attractive solution. With lower interest rates and fixed installments, it proves to be more advantageous than other credit options available on the market.
However, it's essential to assess your actual need, your ability to pay, and how much the loan will actually contribute to your financial life. Don't use the secured loan for impulse purchases—use it wisely.
Learn all the rules!
Understanding the rules of CLT (Consolidation of Labor Laws) payroll loans is the first step in making a good decision. With easy access, secure contracting, and worker protection, this type of loan has the potential to become one of the most widely used in Brazil.
But remember: credit is serious business. Use it responsibly and only when it makes sense for your situation. That way, you can enjoy the benefits without compromising your financial health.
See also: CLT Loan: How to run a simulation?
March 24, 2025
Graduated in Literature – Portuguese/English, and creator of the website Successful Writer, seeks to expand everyone's knowledge with relevant information on a variety of topics, as a writer. At Vaga de Emprego RJ, she provides opportunities and tips on the job market.