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Fast online approval. Interest rates starting at 1.61% per month and installments up to 96 months. For those with negative credit history and FGTS, INSS, or CLT.
MeuTudo's loan for those with negative credit history stands out for its fast approval, even for those with a bad credit score. Operating online, it offers three main options: FGTS (Brazilian severance fund) advance, INSS (Brazilian social security) payroll loan, and CLT (Brazilian labor law) payroll loan. Rates start at just 1.61% per month, and can reach up to 1.85%, with extended payment terms — up to 96 installments, depending on the chosen option. Furthermore, the analysis takes into account sources such as INSS benefits, FGTS balance, or CLT salary.
Step-by-step instructions for requesting
- Download the MeuTudo app on your mobile phone.
- Create a free account by providing your name, CPF (Brazilian tax identification number), cell phone number, and email address.
- Choose the type of loan: FGTS, INSS, or CLT.
- Fill in the requested information to simulate the online loan.
- Please wait for the review and, after approval, receive the payment via Pix into your account.
Main positive points
I highlight as a major advantage the fact that the MeuTudo loan is truly accessible even to those with a negative credit history. The platform makes the process digital, simple, and very transparent, allowing you to apply without leaving home.
Another advantage is the payment of installments directly from payroll or benefits, which offers more security and lower rates compared to traditional loans.
Points to note
Despite the ease of the process, hiring is always subject to review. Therefore, even those who meet the requirements may not be approved in some cases.
It's important to remember that, in the case of paying off other loans or transferring funds, the final amounts may vary depending on the platform's analysis and market conditions.
Our verdict
MeuTudo loan is a modern and practical solution for those with negative credit history seeking credit, especially those receiving INSS (Brazilian Social Security) or having a balance in their FGTS (Brazilian Severance Indemnity Fund). The rates are competitive and the process is 100% digital, making the entire process faster and more convenient. For those seeking fast, simple, and secure credit, this is a great alternative.
