man smiling and lifting a baby high

what is microcredit?

It is a credit line for small entrepreneurs or self-employed people. And you don’t even need a taxpayer’s registry number (CNPJ). You can use Microcredit to invest in your own business, such as working capital, stock replenishment, acquisition of machinery and equipment, workplace renovation.

who can ask for a credit line?

Itaú Microcredit is available in the Campina Grande, Fortaleza, Teresina, Montes Claros, Greater São Paulo and Greater Rio de Janeiro regions in Brazil, and you don’t even need a bank account. You only have to be at least 18, have been operating in the activity for at least six months, and an income or business gross revenue of up to R$200,000.00 a year.

Smiling lady carrying a child on her lap.

how about interest rates?

Tax costs in accordance with Law No. 12,741/12.

  1. interest rates

    up to 3.79% per month

  2. credit granting fee

    3% of the amount granted

  3. maturity

    4 to 15 months

not what you are looking for?

We have other loan options for you.

personal credit

Money on demand in your account at affordable installments.

personal credit

Money on demand in your account at affordable installments.

working capital

You can receive money on the spot and repay in equal installments.

working capital

You can receive money on the spot and repay in equal installments.

credit card

Several card options for your purchases.

credit card

Several card options for your purchases.

contracts and fees

general product conditions

access the document

FAQ

Itaú Microcredit is available in the Campina Grande, Fortaleza, Teresina, Montes Claros, Greater São Paulo and Greater Rio de Janeiro regions.

To check whether the ZIP code is served and schedule a visit with our agent, please call 55-11-4004-1937 or email to contato.itaumicrocredito@itau-unibanco.com.br

The amount financed to the small entrepreneur varies based on the client’s needs. The lowest credit amount is R$400.00, and the maximum amount can reach R$20,300.00.

In accordance with eligibility criteria for contracting out the product, you must have been the owner of the business for at least six months.

We work with a period of up to five days as of the date the proposal was submitted for analysis for the credit amount to be released.

No. You can only ask for one credit line at a time.

Loan operations may have a joint debtor who, by giving guarantee for the benefit of the contract holder, becomes liable for settling any overdue balances if the contract holder does not honor payments as agreed. 

The assignment of a family member to be a joint debtor is subject to analysis and to a commercial decision-making.

You can repay your installments in advance. For further information about early payment and discounts, please call the Credit Agent responsible for your credit line or our service center at 55-11-4004-1937.

In the event of late payment or early maturity, the client and/or joint debtor shall pay interest rates as of the maturity date to the effective payment date, in addition to the overdue amounts, as follows: Interest at the informed effective interest rate, as well as arrears interest of one per cent (1%) per month and a fine of two percent (2%) over the debt amount.

As of the payment of the penultimate installment of the current contract, you can submit a proposal for a credit line renewal, which, after credit analysis, will be available upon the settlement of the current contract.