Doutor Cred

Payment in 1 business day - FGTS Birthday Withdrawal Loan, Online Payroll

We offer CONSIGNATED LOANS for INSS retirees and pensioners and FGTS ADVANCE for workers with a balance in their account!
With Doutor CRED's app, you can simulate a new loan, payroll portability, BPC/LOAS and advance birthday withdrawal, and see the conditions to obtain your credit quickly.
What you get when you choose Doctor CRED:
- Payment via PIX
- Regulated by the Central Bank and with anti-fraud technology
- 100% digital, via app or website. The best experience wherever and whenever you want
- Personalized service
- Fair interest rates
- We have great conditions to obtain your INSS loan or FGTS loan quickly
- One of the best consignors in Brazil
We offer these products to improve your financial life:

🤑 FGTS Loan
Great option for those who have a balance in FGTS accounts, who opt for the Birthday Withdrawal and need money quickly. Credit that does not compromise monthly income, as it is deducted annually directly from your FGTS balance.
- Fixed monthly rate of 1.80% p.m.
- Annual fixed rate of 23.87% p.a.
- Advance up to 10 installments of your birthday withdrawal
- Hire even if you are negative
- Minimum value: R$ 100.00
🚨 Log in to the FGTS app and authorize us so we can check your account balance.

💸 Payroll loan portability
Ideal for those who have no margin to pay and are in need of credit. When you request it, you can receive change in your account to use as you wish.
- Monthly rate from 1.60% p.m. to 1.80% p.m.
- Annual rate from 20.98% p.a. up to 26.38% p.a.
- Minimum term. 6 months and max. 84 months
- Minimum value personalized for your opportunity
- Portability even with ZERO paid installments

💰 New payroll loan
An excellent option for those who have available margin and are among the eligible profiles. Lower rates than conventional loans and we offer conditions that fit your pocket.
- Monthly rate from 1.70% p.m. to 1.80% p.m.
- Annual rate from 22.42% p.a. up to 24.75% p.a
- One of the best interest rates on the market
- Hiring 100% online
- Minimum term. 6 months and max. 84 months
- Minimum value: R$ 1,500.00

💰 Consigned to BPC/LOAS
Credit for BPC beneficiaries. Our consignment is available to negative candidates.
Fixed monthly rate of 1.80% p.m.
Fixed annual rate of 25.49% p.a.
Min term. 60 months and max. 84 months
Minimum value: R$ 1,535.00
🚨 Unlock the benefit in the Meu INSS app and authorize the credit

💲 Payroll loan refinancing
It makes it possible to improve the conditions of previously contracted loans.
- Fixed monthly rate of 1.80% p.m.
- Fixed annual rate of 24.46% p.a.
- Minimum term. 6 months and max. 84 months
- Minimum value: R$ 1,305.00 (change + outstanding balance)

CONSIGNATED CREDIT: monthly rates from 1.60% to 1.80%; annual rates from 20.98% to 26.38%; Minimum CET of 1.69% p.m. (22.27% p.a.) and maximum CET of 2.05% p.m. (27.57% p.a.)
Ex.: R$ 10,000.00 to be paid over 7 years (84 months) - monthly installments of R$ 231.80 with an interest rate of 1.80% p.m. and CET of 25.95% p.a., with the amount paid at the end of R$ 19,470.82.
BIRTHDAY WITHDRAWAL: fixed monthly rate of 1.80%; fixed annual rate of 23.87%; Minimum CET of 1.88% p.m.; Maximum CET: 2.08% p.m.; Maximum annual CET: 27.98%. Pay at any time after hiring.
Ex.: operation on 10/2023 and anniversary in month 02, an account with a balance of R$ 5,000.00 in the FGTS can have R$ 3,165.73 in advance from the total balance to be paid in 10 annual installments with an interest rate of 1.80% p.m. and CET of 1.94% p.m. (25.93% p.a.)
Rates subject to change.

We are a banking correspondent and franchisee of DINDINPAG HOTPAG MEIOS DE PAGAMENTO LTDA. CNPJ: 33.911.032/0001-06.

40,570,898 ALMIR DE ALMEIDA GUEDES. (Doctor CRED). CNPJ: 40.570.898/0001-58 | Avenida Doutor Plínio Casado, 58 sala 216, Centro – Duque de Caxias, RJ. ZIP CODE. 25020-010