Nubank starts offering the new Worker’s Payroll Loan in Brazil

São Paulo, April 1, 2025 – Nubank is gradually starting to offer the “Worker’s Credit,” (Crédito do Trabalhador) the new private payroll loan in Brazil. Workers registered under the CLT regime can now start the simulation and contract steps on the Work and Social Security Card (CTPS) platform, and finalize the process in the Nubank app.

The “Worker’s Credit” is a 100% digital payroll loan that allows to compare offers from different financial institutions, providing autonomy for the consumer to choose the best option. The new modality enables the payroll loan for 47 million workers with formal employment contracts in Brazil, including domestic employees, rural workers, and employees of individual micro-entrepreneurs (MEI).

The Private Payroll Loan joins Nubank’s portfolio of secured loans, which includes the Anticipation of FGTS (Severance Indemnity Fund) Birthday Withdrawals, investment-backed loans, and Payroll Loans for SIAPE (Integrated System of Personnel Administration), INSS (National Social Security Institute), Brazilian Armed Forces – Brazilian Air Force, Brazilian Navy, and Brazilian Army –, in addition to the state of Rio de Janeiro and the city of Belo Horizonte.

Soon, Nubank will offer the complete experience of contracting the Worker’s Payroll Loan directly in its app. The new modality expands competition in credit offerings and reinforces Nubank’s commitment to providing tools for customers to have control over their financial lives and even pay off previous debts with better credit conditions.

How to get a Worker’s Credit at Nubank?

1- Access the Digital CTPS through a computer or mobile application, by downloading it and using your gov.br account login.

2- On the app’s home screen, the Worker’s Credit option will already be available with a “Simulate Now” button. Alternatively, look for the “Loans” option in the Menu.

3- On the next screen, view the name of the company with which you have an employment relationship and the maximum installment amount that your income profile allows. Enter the loan amount and the desired number of installments.

4- On the next screen, see the simulation, with a “reference rate,” defined by DataPrev with the Central Bank, taking into account the average interest rates of the private payroll loan. The system then informs what the installment amount and the final amount to be paid would be.

5- After filling in the information, the worker authorizes financial institutions to have access to data from eSocial, a system where employers register information about their employees. The customer must wait up to 24 hours to receive offers from interested financial institutions, with respective interest rates, in the CTPS application itself.

6- If interested in Nubank’s offer, the worker must choose to continue the process.

7- The worker must access the Nubank app to finalize the loan contract.