MeuTudo believes that efficient credit is credit that helps you manage your finances.

See what the MeuTudo app offers you:

- The best interest rates for INSS, FGTS, and CLT loans
- The best online and 100% digital payroll loan, via app or website
- Loans for those with negative credit history, with payments via Pix
- Credit card with cashback
- Insurance with protection for you and your family
- Anti-fraud technology regulated by the Central Bank

In the MeuTudo loan app, INSS beneficiaries, CLT workers, and people with FGTS balances will find all this and much more, check it out:

🤑 FGTS Loan starting from R$ 50.00
Loan for those who have a balance in their FGTS, opted for the Birthday Withdrawal, and need quick cash. Credit with annual discount directly from the FGTS balance, without impacting monthly income.

- Use up to R$ 2,500 of your released balance
- FGTS loan available for those with negative credit history
- Protected Income Insurance
Access the FGTS app and authorize PARATI CRÉDITO, FINANCIAMENTO E INVESTIMENTO S.A.

💰 Online Payroll Loan starting from R$ 100.00
For INSS beneficiaries who have available margin and need efficient credit. With the best rates on the MeuTudo app, you'll find conditions that fit your budget.

- Terms from 12 to 96 months

💸 Payroll Loan Portability with Cash Back
Ideal for those who don't have available margin and need credit. When you request it, you can receive cash back in your account to use as you wish.

- Terms from 6 to 96 months

- Portability with ZERO installments paid

💲 INSS Payroll Loan Refinancing
With terms from 6 to 96 months, refinancing allows you to improve the conditions of your current loan and even receive cash back starting from R$10.

🦳 INSS Installment Payment via Pix
Payment method for retirees and pensioners with contracts starting from R$100 in up to 12 installments.

💳 Payroll Deduction and Benefit Credit Cards
Exclusive credit card for INSS beneficiaries with no annual fee, cashback, and the option to convert your limit to Pix. Card available for beneficiaries with a negative credit history.

💰 BPC/LOAS Payroll Loan
Credit for BPC beneficiaries. Our payroll loan is available for those with negative credit history.

💳 Pix Installment Payment on Credit Card
Transform your credit card limit into Pix.

💰 New Private Payroll Loan
Credit for CLT (Consolidation of Labor Laws) workers is now available at meutudo through the meutudo app and the Digital Work Card (CTPS Digital). Apply for your CLT loan!

- Portability of CLT Payroll Loan
- Refinancing of CLT Payroll Loan
- CLT Protected Income Insurance

🔒 Digital Life Insurance
Take care of your family's future and ensure financial security during uncertain times.

meutudo has already helped more than 20 million Brazilians take care of their financial lives and their social security rights. Now it's your turn.

PAYROLL LOAN: monthly rates from 1.35% to 1.85%; annual rates from 17.46% to 24.60%; Minimum CET (Total Effective Cost) of 1.40% per month (18.15% per year) and maximum CET of 1.90% per month (25.35% per year)

Example: R$ 10,000.00 to be paid over 8 years (96 months) - monthly installments of R$ 192.90, with an interest rate of 1.40% per month and a CET of 1.44%, with a final payment of R$ 18,517.

BIRTHDAY WITHDRAWAL: monthly rate 1.79% per month;

annual rate up to 24.09% per year; maximum CET: 1.93% per month; maximum annual CET: 25.77%. Pay off at any time after contracting.

Example: For an operation in November 2025 with an anniversary in November, an account with a balance of R$ 500.00 in the FGTS (Brazilian Severance Indemnity Fund) can receive R$ 274.42 in advance from the total balance, to be paid in 5 annual installments (R$ 100 in each year of advance anniversary withdrawal/accrual) with an interest rate of 1.79% per month and an APR of 1.93% per month (25.77% per year).

Rates subject to change.

We are banking correspondents of PARATI CRÉDITO, FINANCIAMENTO E INVESTIMENTO S.A.

Privacy policy: meutudo.com.br/pp
Terms of use: meutudo.com.br/tu/

TUDO Serviços S.A. (meutudo). CNPJ: 27.852.506/0001-85 | Senator Virgílio Távora Avenue, 303 - Meireles, Fortaleza - CE, 60170-250