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Lula’s Government Considers Creating Financing Program for Delivery Riders’ Motorcycles, with Easier Credit and Focus on Electric Vehicles. Here’s What We Know So Far.
The federal government is studying the launch of a national motorcycle financing program aimed exclusively at app delivery workers. The proposal, mentioned by President Luiz Inácio Lula da Silva in a recent interview, envisions more accessible credit conditions so that drivers and motorcyclists can acquire their own vehicles — with the possibility of prioritizing electric motorcycles.
The measure has not yet been formalized, but is already being discussed among the president, Vice President Geraldo Alckmin, and ministers from the economic and development sectors.
According to Lula, the intention is to create a “simple and quick” mechanism to allow self-employed workers to buy their motorcycles “with lower interest rates and less bureaucracy.”
Why Does the Program Target Delivery Workers?
In recent years, the number of workers using apps like iFood, Rappi, and Uber Eats has increased rapidly. Industry estimates suggest that more than 1.6 million Brazilians directly depend on delivery work to supplement or sustain their family income.
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The government sees this group as a vulnerable part of the economy:
- Many delivery workers cannot access credit to buy a motorcycle;
- Some work with rented vehicles, which reduces their monthly earnings;
- There is a strong interest in adopting electric motorcycles, which have lower operational costs.
A federal program could facilitate purchases with affordable installments, subsidized interest rates, and, eventually, priority for low-emission motorcycles.
What We Know So Far About the Proposal
So far, the government has only confirmed that the program is under study. There is no forecast for a launch date, defined rules, or public investment amounts. What is currently on the table:
- Specific credit line for delivery workers;
- Possibility of prioritizing electric motorcycles as the main focus;
- Integration with sustainable mobility policies;
- Participation of BNDES, Banco do Brasil, or Caixa still under evaluation;
- Enrollment rules not yet detailed.
According to Lula, the idea is to ensure that workers can “have their own motorcycle and work with dignity,” emphasizing that the measure should reduce operational costs and increase the income of an essential category in the daily life of large cities.
Measure Is Part of a Larger Social Package
The proposal arises amid a series of programs announced by the government in 2025, including:
- popular credit for small residential renovations;
- incentives for purchasing energy-efficient appliances;
- support for low-income families in acquiring essential goods.
In this context, financing motorcycles for delivery workers would be a way to stimulate employment, reduce inequalities, and modernize the national fleet, bringing Brazil closer to the increasing use of electric vehicles in Asian and European countries.
Experts Point to Positive Impacts — but Urge Caution
Economists and urban mobility analysts believe that such a program could bring immediate benefits, such as:
- increased productivity for delivery workers;
- decreased operational costs;
- reduction in emissions if electric motorcycles are prioritized;
- gradual formalization of the category.
However, experts also warn that the government needs to establish well-defined eligibility criteria, avoid excessive indebtedness, and ensure that financing conditions are genuinely better than those offered by the private market.
The economic team is expected to present a preliminary design of the project in the coming weeks. Once finalized, the program may be announced by decree or sent to Congress as a bill, depending on the final structure.
Until then, financing for delivery riders’ motorcycles remains one of the main discussions of Lula’s government for 2025, especially due to the impact it could have on one of the most present categories in Brazil’s digital economy.
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