Our objective is to ensure that members do not waste time going to the administrative headquarters to resolve their needs.
With this application, members can request a new or refinance loan, check amounts used in agreements and much more.

Our lending guidelines:
• minimum payment term of 3 months
• maximum term of 36 months
• CET p.a. (Total Effective Cost per year) maximum applicable: 48.67%

Practical example: loan of R$1,000.00 taken out in the Installments Folha category, in 06 installments
• Amount financed: R$1,013.20
• Number of installments: 06
• IOF: R$13.20
• Estimated monthly discount on Folha: R$208.47
• Estimated net value: R$1,000.00
• Total value of the loan to be paid by the partner at the end of the contract: R$1,250.80
• Interest rate per month: 3.25%
• Maximum interest rate per year: 39%
• CET a.m. (Total Effective Cost per month): 3.36%
• CET p.a. (Total Effective Cost per year): 48.67%


IMPORTANT NOTE: the values ​​reported are subject to variations, depending on the grant date in relation to the date of the first payment.