Valia Loans
Attractive rates, terms up to 120 months, and digital application. Ideal for Valia participants seeking flexibility and savings.
Valia Empréstimos offers targeted credit to beneficiaries of benefit plans, with rates known for being low due to its non-profit status. The loan amount is reinvested in the participants themselves, a significant advantage compared to other traditional payroll loans on the market.
The terms are ample and allow for amortization or early payment at any time, making the service even more flexible. The loan can reach up to 70% of the participant's savings balance, with amounts reaching R$500 thousand and up to 120 months for payment, depending on the product and plan chosen.
How to apply for a Valia loan
- Access the Valia Participant Portal
- Log in with your details.
- Simulate the most suitable value, term, and payment method.
- Review the terms and conditions and confirm the purchase digitally.
- The credit will be deposited into your account within 2 business days.
Advantages of Valia loans
The main highlight is the very low interest rate and the flexibility for payment, whether through automatic payroll deductions or bank slips.
Furthermore, the process is entirely online, eliminating the need to send physical documents and making everything faster for the participant.
Disadvantages of Valia loans
The service is only available to those who have had an active membership for at least six months with a Valia benefits plan.
There is no option to change the due date of installments, and in case of delay, a proportional fine may be applied.
Verdict: Is it worth it?
For eligible participants – those enrolled in Valia plans – this is one of the best payroll loan options. Low rates, lack of bureaucracy, and flexible repayment terms make this product stand out.
On the other hand, due to eligibility restrictions and limited adaptability of due dates, it is not a suitable solution for the general public.
