Crédito Consignado Negativado

Discover CONSIG, the ultimate app for simulating and checking your payroll loan in a 100% digital, fast, and secure way. Focused on offering the best market conditions, we connect you to the lowest rates, guaranteeing money in your account without complications, even for those with a negative credit history.

Why choose CONSIG?

Fast for those with a negative credit history: Accessible credit without checking SPC/Serasa for those with available payroll deduction capacity.

100% Digital and Bureaucracy-Free: Simulate, compare, and close your contract directly from your cell phone, without queues and paperwork.

Lowest Rates: Compare offers from the main regulated financial institutions and save for real.

Portability with Cash Back: Check the feasibility of transferring your current contract to another bank, reduce your monthly payment, and even receive extra money in your account.

Total Security: Platform with cutting-edge technology, fully compliant with the LGPD (Brazilian General Data Protection Law) and the regulations of the Central Bank of Brazil.

Who can use the app?

INSS Retirees and Pensioners

Public Servants (Federal, State, and Municipal)

CLT Workers (check active agreements)

BPC/LOAS Beneficiaries

How does it work?

Download the app and complete a secure registration.

Provide your CPF (Brazilian tax identification number) so we can verify your available credit limit.

Choose the ideal amount and term that fits your budget.

Sign the contract digitally and receive the money directly into your bank account.

General Loan Conditions (Transparency):

Payment terms: Minimum period of 6 months and maximum of 96 months.

Interest Rates: Monthly rates from 1.20% to 2.80% per month.

Total Effective Cost (TEC): Minimum of 1.25% per month (16.07% per year) and maximum of 3.00% per month (42.58% per year).

Example Simulation:
Loan amount: R$ 10,000.00
Payment term: 84 months
Interest rate: 1.60% per month
Monthly installment amount: R$ 225.80
Total Effective Cost (TEC): 1.65% per month
Total amount to be paid at the end of the term: R$ 18,967.20
(Note: Rates and conditions may vary according to the user's agreement and the policy of the financial institution chosen at the time of simulation). Important Notice:
CONSIG operates with the utmost respect for user privacy. We never request deposits, bank transfers, or any type of advance payment for credit release.

📌 Transparency and Responsibility:
CONSIG is an independent loan simulator and a private initiative. We make it clear that we DO NOT represent and have no connection with the Federal Government, INSS (Brazilian National Social Security Institute), or the Central Bank of Brazil.

The credit rules, terms, and rates simulated in our application are based on publicly available information actively provided on the portals of the Central Bank of Brazil (https://www.bcb.gov.br) and the Federal Government (https://www.gov.br/inss).