Payroll-deducted loans: now only available digitally and in person.
How much will I receive?
Goodbye, loans made by phone or power of attorney.
Remember those calls offering "easy and fast" loans? Those are now a thing of the past for INSS beneficiaries.
With the new rules of 2026, Every benefit is born blocked. For loans. To apply, the insured person needs to give authorization in person, using biometrics (fingerprint or facial recognition) or a secure electronic signature.
Hiring by phone or by proxy is prohibited, which should greatly reduce fraud against the elderly. .
What changes in practice for those who need the money?
For those who use a payroll-deducted credit card or need a loan, the advice is: only apply in person or through the bank's official channels, and always be wary of miraculous offers.
After the loan is taken out, the benefit is automatically blocked again for new transactions, preventing anyone from taking out a new loan without your knowledge.
The maximum amount that can be used for loan repayments (the portion of the benefit that can be committed to loan repayments) still exists, but now with much more security and transparency. .
LEGAL NOTICE
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The information contained herein is based on official sources (such as the Official Gazette of the Union, interministerial decrees, and enacted laws) and expert interpretations, and is strictly for informational and journalistic purposes . Although we strive to maintain the accuracy and updating of the data, it may be subject to changes or different interpretations by the competent authorities.
For personal matters, procedural inquiries, benefit calculations, or specific situations, we advise readers to use the official INSS channels (Meu INSS website, Call Center 135) or consult a professional specializing in social security law. The use of the information on this website is the sole responsibility of the user.