Up.p: Digital credit for CLT (Consolidation of Labor Laws) and FGTS (Severance Indemnity Fund), simple and secure 💙
Up.p believes that good credit is the one that fits your reality and brings peace of mind to your financial life.

We are specialists in digital credit and, now, CLT workers can also contract CLT Consignment directly through the app, in addition to the already known FGTS Birthday Withdrawal Anticipation.

All this in a simple, transparent and 100% digital app, with human assistance whenever you need it.

💸SEE WHAT THE UP.P APP OFFERS YOU:
Online CLT (Consolidation of Labor Laws) loan, directly through the app
FGTS (Brazilian Severance Indemnity Fund) Birthday Withdrawal Advance
Credit available for those with negative credit history
100% digital and secure process
Fast money directly into your account
Human service, with real people
Anti-fraud technology and company regulated by the Central Bank
In the Up.p app, CLT workers and people with FGTS balances find credit solutions designed to organize their finances and realize their plans.

💼 CLT LOAN THROUGH THE UP.P APP
The CLT loan is a credit option with installments deducted directly from your salary, ideal for those seeking more accessible rates, predictability, and less bureaucracy.

100% Digital Contracting
Installments with payroll deduction
Competitive rates
More control and financial organization
Now, CLT payroll loans are available for contracting directly through the Up.p app.

💰 FGTS Birthday Withdrawal Advance
For those who have a balance in their FGTS account and opted for the Birthday Withdrawal, the FGTS Advance allows you to receive part of the amount before the annual schedule.

Advance up to 5 installments of your FGTS Birthday Withdrawal
Receive amounts starting from R$ 100 per installment, according to your available balance
Fast money in your account, with 100% digital contracting through the app
Competitive rates and clear conditions from start to finish
No monthly installments: annual discount directly from your FGTS
Credit available even for those with a negative credit history
Before simulating, access the FGTS app and authorize Up.p Sociedade de Empréstimo entre Pessoas S.A. to check your balance.

REPRESENTATIVE EXAMPLE OF THE TOTAL LOAN COST (FGTS ADVANCE)
For a transaction carried out in 01/2026, with an anniversary date in month 07 (first due date in 07/2026 and last in 07/2030), the gross loan amount is R$ 1,707.62, advanced from the total FGTS balance, paid in 5 annual installments.

Interest rate: 1.29% per month (16.62% per year)
CET (Total Effective Cost): 2.24% per month (30.40% per year)
Fee (18%): R$ 307.37
IOF (Tax on Financial Operations): R$ 47.81
Fixed annual installments: R$ 490.00
Net amount received: R$ 1,352.44
Total amount paid at the end of the contract: R$ 2,450.00
Pay off at any time after contracting.

REPRESENTATIVE EXAMPLE OF THE TOTAL COST OF THE LOAN (CLT CONSIGNED LOAN)
For a CLT consigned loan operation carried out in 01/2026, with direct deduction from payroll.

Gross loan amount: R$ 5,000.00
Term: 24 months (fixed monthly installments)
Interest rate: 2.99% per month (42.41% per year)
CET (Total Effective Cost): 3.31% per month (47.83% per year)
IOF (Tax on Financial Operations): R$ 168.65
Monthly installment: R$ 294.92
Net amount received: R$ 4,831.35
Total amount paid at the end of the contract: R$ 7,078.08
Pay off at any time after contracting.

Download the Up.p app now and get access to digital credit solutions for CLT (Consolidation of Labor Laws) and FGTS (Employee Severance Indemnity Fund), with security, clarity, and confidence to keep your finances always in the black 💙

Privacy Policy: https://upp.com.br/politica-de-privacidade/
Terms of Use: https://upp.com.br/termos-de-uso/
Up.p Sociedade de Empréstimo entre Pessoas S.A.
CNPJ: 35.977.097/0001-71
Avenida das Nações Unidas, 14.401, Conjunto 184, Torre Jequitibá
Chácara Santo Antônio – São Paulo/SP – CEP 04794-000