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New Consignment Credit Line Uses FGTS as Collateral and Offers Reduced Rates; Check Requirements.
The Federal Savings Bank launched the Worker’s Credit, a loan of up to R$ 3 thousand for CLT employees in 2025. With installments deducted directly from the payroll, the program aims to help those with credit restrictions. Understand how it works and who can apply.
How The Worker’s Credit Works
The Worker’s Credit is requested through the Digital Work Card app. There, the employee simulates loan proposals and authorizes data sharing with financial institutions. Offers are displayed in minutes, and installments are automatically deducted via the eSocial system.
The advantage is lower interest rates than credit cards and overdrafts, thanks to the guarantee of payroll deduction.
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Who Applies and How Much Can Be Borrowed
The Worker’s Credit can be requested by:
- CLT employees (including domestic and rural workers).
- Individual Microentrepreneurs (MEIs).
The limit is R$ 3 thousand, with installments compromising up to 35% of monthly income. The FGTS serves as collateral: up to 10% of the balance and 100% of the termination fine (in case of dismissal) can be used for approval.
Advantages and Risks of the Worker’s Credit
The main advantage of the Worker’s Credit is the reduced rates, ideal for refinancing expensive debts. However, using FGTS as collateral may limit access to the fund for other needs, such as purchasing a home.
Another critical point: there is no fixed cap on interest rates. Therefore, it is essential to compare proposals before contracting.
Impact of Consignment Credit in 2025
By April 2025, thousands of simulations and contracts have already taken place. The expectation is that the program will generate billions in loans over the coming years, benefiting millions of workers.
The mass adoption reflects the demand for accessible credit in a challenging economic scenario.
Step by Step to Apply for the Loan
- Download the Digital Work Card app.
- Simulate the desired amount.
- Authorize data sharing with banks.
- Choose the proposal with the best conditions.
- Sign the contract digitally.
The money is released within 48 hours into the worker’s account.
The Worker’s Credit is a viable alternative for those who need quick cash and have name restrictions. However, it requires caution when using FGTS as collateral. Assess the conditions and avoid compromising your income beyond the safe limit.
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