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The New Law for Consignment Credit Allows App Drivers to Access Loans with Up to 30% of Their Income and FGTS as Collateral, but Experts Warn About the Risk of Indebtedness
The Law No. 15,179 of 2025, sanctioned by President Luiz Inácio Lula da Silva on July 25, 2025, establishes the Worker’s Credit program, aimed at private sector employees with signed work contracts (CLT), and, during its passage, it also began to include app drivers and delivery workers as beneficiaries of this consignment credit modality. This change represents a milestone, as it is the first time that these workers — whose income comes from digital platforms — will be able to use the payments resulting from their work as collateral for consignment loans.
The measure has the potential to move billions of reais, offering a safer and more accessible financing alternative, in addition to formalizing a sector of the economy that has grown exponentially in recent years. However, experts warn of the risk of mass indebtedness if the loans are not used responsibly.
What Changes with the New Consignment Credit Law
Historically, consignment credit was restricted to retirees, pensioners of the INSS, and public servants. With the approval of the new law, app drivers now have access to this loan modality, expanding the consumer market for formal credit.
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Among the main points of the law are:
- Maximum Discount of 30% of Income Earned by Drivers on Apps.
- Possibility of using up to 10% of the FGTS balance or the entirety of the termination penalty in case of unjustified dismissal as collateral for the loan.
- Requirement for biometric signature, increasing the security and protection of personal data.
- Right to credit portability, allowing the transfer of the loan to another financial institution, provided the conditions are better.
According to the Brazilian Center for Analysis and Planning (Cebrap), there are more than 1.7 million app drivers in Brazil. This indicates the potential size of the audience that could benefit from this new modality.
How Does the Loan Work for App Drivers?
The loan for app drivers will be formalized through agreements between transport platforms and financial institutions. This mechanism ensures that payments are deducted directly from the income earned by the worker, reducing the risk of default.
Main Benefits:
- Access to Formal Credit: drivers without a consolidated credit history will now have access to loans with more advantageous conditions.
- Ease of Payment: the automatic deduction from income makes the process simpler and safer.
- Additional Guarantees: the use of FGTS as collateral increases banks’ confidence and allows for better interest rates.
Experts estimate that the measure could move billions of reais, stimulating consumption and allowing workers to invest in education, health, or new vehicles to enhance their professional activities.
Risks and Cautions: Warning About Indebtedness
Despite the benefits, easy access to consignment credit could generate mass indebtedness risk. According to data from the Central Bank, Brazil has more than 63 million adults with active debts, and the inclusion of app drivers in this system needs to be monitored with caution.
Points of Attention:
- Limit of 30% of Income: Despite the ceiling, drivers with variable income may struggle to maintain payments.
- Offer of Multiple Loans: Easy access could lead to the accumulation of debts in different financial institutions.
- Lack of Financial Education: Many workers lack experience in credit management, increasing the risk of default.
The Ministry of Labor will be responsible for monitoring transfers and deductions, in addition to promoting financial education campaigns. This action is essential to mitigate the negative impacts of credit expansion.
Economic Impact of the New Consignment Credit Law
The new consignment credit law for app drivers does not only affect individuals; it brings significant impacts to the Brazilian economy:
Generation of Consumption: more available credit means greater purchasing power, benefiting commerce and services.
Formalization of Work: the link with financial institutions strengthens workers’ credit history, enabling access to other modalities in the future.
Stimulus to Investments: drivers will be able to acquire new vehicles, equipment, and improve their operations, increasing productivity and safety.
Studies by the Institute of Applied Economic Research (IPEA) indicate that consignment credit is one of the safest forms of loans, with historically low default rates — below 3% among INSS beneficiaries. However, the effect of the expansion for app drivers still needs to be closely monitored.
Comparison with Other Types of Credit
The consignment credit presents clear differences compared to other forms of financing:
- Conventional Personal Loans: higher interest rates and greater default risk.
- Credit Card: high interest and the possibility of rapid indebtedness.
- Microcredit: aimed at small businesses, but with limited financial caps.
The new consignment credit law offers greater security, with automatic deductions and additional guarantees, making it a more advantageous alternative for app drivers in need of formal credit.
Protections Provided in the Law for App Drivers
One of the significant advances of the new legislation is the protection of the worker:
- Biometric Signature: reduces fraud and ensures that the loan is authorized by the worker themselves.
- Use of FGTS as Collateral: protects the worker in case of default, avoiding abusive interest.
- Credit Portability: allows transfer to other financial institutions with better conditions, stimulating competition.
These measures are essential to balance access to credit and mitigate the risks of indebtedness.
Paths to Considerate Credit Use
For the loan for app drivers to fulfill its role of boosting the economy and formalizing workers, it is essential to adopt financial education practices.
Recommendations:
- Monthly financial planning to control expenses and commitments.
- Assess the real need for the loan before contracting.
- Avoid taking out multiple credits simultaneously that could compromise income.
- Participate in financial guidance programs promoted by banks and the government.
Responsibility in using consignment credit ensures benefits for both workers and the financial system as a whole.
The Future of Credit for App Drivers
The new consignment credit law represents a milestone in Brazil, opening new financing opportunities for a sector that has grown exponentially in recent years. At the same time, it highlights the need for heightened attention to prevent mass indebtedness and ensure that the benefits of credit are effectively utilized.
For app drivers, the law offers the possibility of accessing loans with safer conditions, investing in their businesses, and better organizing their finances. For the Brazilian economy, it means increased circulation of resources and stimulation of formal consumption.
The success of the measure will depend on efficient monitoring, financial education campaigns, and the workers’ awareness about responsible credit use. With these conditions, the new law has the potential to positively transform the lives of millions of Brazilians, consolidating consignment credit as a strategic tool for financial inclusion.
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