Fixed-Rate Public Loan
With attractive rates starting at 1.49% per month at Sicredi, the fixed-rate public payroll loan offers stable conditions and installments deducted directly from your paycheck.
The Fixed-Rate Public Loan stands out as an attractive option for financing your car, offering annual interest rates organized transparently and competitively by the market. With values starting from 1.49% per month, it's possible to contract with security and predictability for your budget. The recent period, from 08/12/2025 to 12/12/2025, shows excellent opportunities, especially for public employees.
Among the major institutions, Sicredi leads with the lowest rate of 1.49% per month (19.42% per year), closely followed by other banks such as Banco Inbursa and Banco Alfa. Consigned credit involves payroll deduction, facilitating control of installments. The contract is pre-fixed, meaning the installment amount does not change during the agreed period, providing greater predictability for financial planning.
How to register: Step by Step
- Choose the financial institution with the best rates.
- Gather basic documentation such as your ID, CPF (Brazilian tax identification number), and proof of income.
- Visit the institution's website or branch and request a simulation.
- Please wait for credit analysis and approval.
- Once approval is confirmed, sign the contract and wait for the deduction from your paycheck.
Advantages of Fixed-Rate Public Loans
Lower interest rates compared to other options are one of the main attractions, allowing for savings on installments throughout the contract.
Payroll deduction offers greater convenience and reduces the risk of default, since payment is made automatically.
Disadvantages of Fixed-Rate Public Sector Loans
Eligibility is limited to public servants, retirees, or pensioners only, making it inaccessible to other profiles.
Committing to using up your available credit limit can restrict your monthly income for other expenses or emergencies.
Final Verdict
If you are a public servant looking for security, low rates, and easy financing, a fixed-rate public sector payroll loan is highly recommended.
This option balances affordability and predictability, making it ideal for those who don't want budget surprises when planning to buy a vehicle.
