meutudo. Empréstimo CLT e INSS

meutudo. Empréstimo CLT e INSS is a Brazilian financial app that consolidates payroll, FGTS and social security credit into a single digital service to help INSS pensioners, CLT employees and FGTS holders compare and access loans, credit cards and insurance quickly and securely.

Key Features

The app offers digital FGTS advances with initial access from R$50 and examples of available balances, fully digital payroll loans for INSS beneficiaries with terms from 12 to 96 months plus portability and refinancing options, and CLT payroll credit using a digital work card with portability and protected income insurance. It also provides products that consider applicants with negative credit history, credit card options with cashback, Pix as a payment channel, and Central Bank‑regulated anti‑fraud controls for transaction security.

Advantages

With meutudo. Empréstimo CLT e INSS users can benefit from broad eligibility that includes INSS beneficiaries, CLT employees, FGTS holders and BPC/LOAS recipients, flexible terms with refinancing and portability, a fast digital experience with Pix payments and payroll deduction options, and published example rates to help estimate costs.

Disadvantages

Interest accumulated over long repayment terms can substantially increase the total cost of credit, FGTS advances are deducted from FGTS balances and may reduce future withdrawal amounts, and final approval, product availability and exact rates depend on individual eligibility and required authorizations.

Development Team

meutudo. Empréstimo CLT e INSS operates as a banking correspondent for PARATI CRÉDITO, FINANCIAMENTO E INVESTIMENTO S.A., which supplies and underwrites many of the credit products available through the service.

Market Performance

The service reports having helped more than 20 million Brazilians manage credit and social security rights, reflecting a broad reach in payroll and FGTS lending segments.