Valia Loans
Interest rates among the lowest on the market, flexible payment plans, and up to 120 months to pay. Increase your wealth and do everything online. Ideal for Valia participants.
Valia offers exclusive loans to plan participants and beneficiaries, with reduced rates due to its non-profit status. Loans can reach up to 70% of the savings reserve balance or multiples of salary, depending on the type and plan. The repayment term can be up to 120 months.
Among the conditions, the interest charged is converted into profitability for the participant, which is an important differentiator. Payment can be made via payroll deduction or bank slip. To apply, it is necessary to have at least six months of affiliation with one of the Valia plans offering a loan, be up-to-date with payments, and have available payroll deduction capacity.
How to hire: step by step
- Access the Valia Participant Portal.
- Run a simulation of the desired conditions and value.
- Check the available margin, rates, and terms shown in the simulation.
- Complete the 100% hiring process online through the Valia system.
- Please allow up to two business days for the credit to appear in your account.
Advantages of the Valia Loan
The main benefit is the very low cost of the loan, with rates that are significantly lower than the market average. Furthermore, the application and management process is entirely online, without any red tape.
Another highlight is the flexibility: there are several term and payment options, with the possibility of paying installments in advance to reduce interest and settling the debt at any time.
Negative points
The service is only available to Valia plan participants with at least six months of employment. In other words, those who do not have a plan or are new employees cannot yet access the service.
Furthermore, installments are always due on the 1st day of the month, with no option to change. After this date, penalties proportional to the delay will be applied.
Final verdict
The Valia loan is an excellent option for those who are already participants or beneficiaries. It stands out for its very low rates, long terms, and fully online management. There are access restrictions, but the advantages outweigh the disadvantages.
