THE Nubank Nubank is one of the most popular fintech companies in Brazil precisely because it offers fair credit to those who need it most, especially those earning minimum wage. Yes, even with a minimum monthly salary, it's possible to obtain a credit card, loan, and other essential financial services through Nubank, as long as you know how to use the platform to your advantage.

Nubank's goal is clear: to democratize access to credit, especially for workers who face difficulties with traditional banks. Therefore, even people with negative credit histories or who are unemployed find real opportunities to improve their financial lives.

How can I get credit from Nubank even if I have a negative credit history?

If you have a negative credit history, you've probably heard countless "no's" when trying to get credit from other banks. With Nubank, the situation is different, but you need to understand how they analyze applications to increase your chances.

The first thing is to build a relationship of trust with the bank. Open a free digital account at Nubank and use it regularly for payments and transfers. The more financial activity you have, the greater your chances of getting credit, even with a negative credit history.

Step-by-step guide to applying for a Nubank credit card.

1# Download the Nubank App
Go to the app store (Google Play or App Store) and download it for free. Nubank app.

2# Complete the Initial Registration
Open the app and choose the option "I want to be a Nubank customer". Enter your personal information such as full name, CPF (Brazilian tax identification number), address, email, and mobile phone number.

3# Apply for a Credit Card
After initial registration, Nubank will immediately analyze your profile. If approved, you will receive a credit card offer on the app screen.

4# Choose the Limit and Confirm the Order
If a credit card is available, confirm the request. If you don't have an initial approved limit, the app may suggest the Limit Building feature, which works by depositing an amount that will be automatically converted into credit.

5# Please wait for delivery.
Your physical credit card will be sent to the address provided within 15 business days. In the meantime, you can use the virtual card for online purchases immediately.

Nubank Credit Limit Setup

Another tip is to use the "Limit Building" feature. How does it work? It's very simple: you deposit an amount into your account and define how much of that amount you want to transform into a credit limit. So, if you deposit R$300.00, for example, you can immediately have R$300.00 as a credit limit. This money is protected, but it ensures that you start using credit responsibly, even if you have a negative credit history.

Over time, as you use and pay your bills correctly, Nubank will release credit without requiring you to keep your money deposited. It's a simple and secure way to restore your financial life and return to the credit market with dignity.

Nubank Loan: What are the available limits for workers?

Many people think that earning minimum wage means they won't be able to get a loan from Nubank, but that's not true. Nubank understands that those who earn less are precisely the ones who most need access to fair loans with reasonable interest rates.

The credit limits available at Nubank vary considerably, depending mainly on the customer's credit analysis and financial history. Typically, for those earning minimum wage, initial limits can range between R$$300 and R$$2,000. This amount may seem small at first, but it's enough to resolve financial emergencies and get out of tight situations.

Step-by-step guide to applying for a Nubank loan.

1# Open the Nubank App
Open the Nubank app and access your account normally using your password.

2# Click on the “Loans” option”
On the app's home screen, select the "Loan" option located just below your available balance.

3# Run a Simulation
Enter the desired loan amount and choose the number of installments. The app will automatically display the interest rate, monthly payment, and total amount to be paid.

4# Confirm Request
After reviewing the terms and conditions, click on “Apply for loan”. Nubank will perform a quick analysis and confirm the availability of the loan.

5# Receive the Money in Your Account
Once approved, the money is immediately deposited into your Nubank digital account. You can then transfer or use it as needed.

Done! By following these simple steps, you can quickly apply for your credit card or loan at Nubank.

Nubank usually review the limits Frequently. As you pay your installments on time, the offered amounts will automatically increase. To have a better chance, I recommend that you keep your registration always up to date, demonstrate regular account activity, and avoid late payments.

Therefore, Nubank recognizes that you are a reliable customer and starts making higher credit limits available. This means that even earning minimum wage, you can reach much higher limits, as long as you have good financial management.

Unemployed? See how Nubank can help you!

Being unemployed can be devastating, especially when urgent debts or unexpected bills arise. Nubank, unlike many traditional banks, also has options to help you in this difficult situation.

An excellent tool is the function of free digital account This allows you to continue making transactions without fees, even if you don't have a fixed income. This transaction can help you demonstrate to Nubank that, despite being unemployed, you are able to manage any incoming money well.

And what about credit in this situation? Even without formal employment, you can access credit using the guarantee feature I mentioned before: Credit Limit Construction. Depositing any amount received from odd jobs, freelance work, or government assistance can allow you immediate access to secure and controlled credit.

In addition, Nubank offers the possibility of personal loan, This is something you can try to access after regularly using your digital account for some time. Of course, in this case, the bank analyzes your financial situation more carefully, but it doesn't automatically deny credit just because you don't have formal employment.

See also: Are Nubank ATMs worth it? Find out more

March 30, 2025