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Users Report Access to Nubank’s New Loan with Interest Rates of 3% Per Month, Half of What is Charged on Traditional Personal Credit, When Using Pix on the Card Within the App
The new loan from Nubank is gaining traction for offering interest rates close to 3% per month, significantly lower than typical personal credit. The option appears when you install a Pix using the card limit, allowing simulations that, when tested with R$ 500 over 12 months, resulted in an interest rate of 3.12% per month and a total of R$ 607.55.
In comparison, the traditional personal credit simulated at 6.14% per month results in a higher installment and R$ 221.20 in interest for the same amount and term. The old “convert limit” has risen to higher levels, reaching 7.81% per month and a total of R$ 788.85. The takeaway is clear: within the app, the option via Pix on the card is currently the cheapest among the three tested options.
How It Works Within the App
When you open the app, the route “borrow” shows higher rates. The outcome changes when you initiate a Pix, select “pay with card limit” and install in up to 12 installments.
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On this track, the new loan from Nubank is embedded in the installment Pix operation, with transparent installment simulation before confirmation.
In a test scenario with R$ 500 over 12 installments, the simulation showed 12 installments of about R$ 50.62, totaling R$ 607.55.
The cost difference compared to traditional personal loans is noticeable directly on the simulation screen, which helps the user decide on the more economical option.
Cost Comparison: Pix on Card vs Convert Limit vs Personal Credit
For the same amount and term, the new loan from Nubank via Pix on the card indicated 3.12% per month and R$ 107.55 in interest, totaling R$ 607.55.
This is half of the reference of 6.14% per month observed in traditional personal credit, which amounted to an installment of R$ 60.10 and R$ 221.20 in interest.
The old “convert limit” (which previously competed with personal loans) became more expensive, now showing 7.81% per month, 12 installments of R$ 65.73 and R$ 788.85 in total.
The current landscape favors Pix on the card as the cheapest route, provided the user can navigate the function’s restrictions.
Points of Attention and Usage Limitations
Despite the price advantage, there are operational rules.
The Pix on the card does not allow transfers to a key with the same CPF, requiring that the amount be transferred to trusted third parties. This limitation necessitates financial organization and clarity about where the money goes.
Another issue is the impact on the card bill.
The installment occupies the limit and creates monthly commitments. Late installments can nullify the initial savings. Planning and discipline are just as important as the interest rate.
Who This Makes Sense For Now
The new loan from Nubank via installment Pix benefits those in need of quick liquidity and are comparing total costs among options within the app itself.
For profiles that were already considering traditional personal credit, switching to Pix on the card reduces the interest by half, according to tests conducted with R$ 500 over 12 months.
Those who used the “convert limit” as a cheap alternative should revisit simulations, as this option has become more expensive. Choosing with numbers in hand is what ensures economic advantage.
Best Practices for Deciding
Before confirming, simulate the three paths in the app for the same amount and term. Observe installment, total to pay, and estimated rate.
If the operation involves third parties due to the CPF restriction, arrange for a secure repayment and document it.
Keep reserve for the first installment and do not overcommit the budget beyond what is reasonable.
Low rates do not substitute for planning: the benefit of the new loan from Nubank appears when the debt fits within the cash flow.
The new loan from Nubank via Pix on the card offers the lowest rate among the tested options and, at the moment, stands out as the cheapest route within the app.
However, savings depend on proper usage, adherence to CPF restrictions, and timely installments.
The right decision comes from direct comparison of screens and budget control.
Do you agree with this change? Do you think this impacts the market? Leave your opinion in the comments, we want to hear from those who live this in practice.
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