If you have a balance in the Severance Pay Guarantee Fund (FGTS) and are looking for practical ways to advance this amount, you've come to the right place!
In this practical guide, you will learn how to safely advance your FGTS, learn about the main websites that offer the service and access your money when you need it most.
Taking advantage of your FGTS balance is a great alternative to paying off debts, investing or carrying out that plan you’ve been waiting for.
Read to the end to find out the best paths and access the direct link to each reliable website.
Why advance FGTS?
Firstly, the advance payment of FGTS allows you to have more financial freedom to resolve pending issues, make planned purchases or invest in projects.
This makes it an increasingly popular option, as it offers quick and direct access to the accumulated balance.
Furthermore, by opting for advance payment, you do not have to deal with high fees and complex conditions.
Several financial institutions, for example, offer special conditions, with lower interest rates than many other types of loans.
This, in turn, makes the process much easier and makes this option more accessible for those who need a quick and economical solution.
How does the FGTS advance work?
Understand the Process in 3 Simple Steps:
To get started, check your FGTS balance through the Caixa FGTS app or on the official Caixa Econômica website. This way, you will know exactly how much you have available for advance payment.
Next, choose a trustworthy institution. Several banks and digital platforms offer advance payments with advantageous conditions, allowing you to select the best option.
Finally, many websites allow you to simulate the advance amount and the amount of the installments. This feature makes it easier to compare conditions and help you make the best decision.
Tip: Remember to keep your data updated and your FGTS account active to avoid problems during hiring.
Main websites to advance FGTS
To ensure a safe and practical experience, we have selected some of the main websites that offer the FGTS advance service. All of them have good reviews and straightforward online processes.
Federal Savings Bank – Trust and Solidity
Caixa itself, which is responsible for the FGTS, offers a line of credit for early withdrawals on your anniversary. It is ideal for those who already receive the benefit annually and wish to pay some installments in advance.
- Advantages: Low interest rates and security guaranteed by the bank.
- How to access: Simply go to the Caixa website, log in and search for the FGTS anniversary withdrawal advance service.
Bank of Brazil – Speed and Ease
Banco do Brasil allows you to bring forward your anniversary withdrawal by up to three years, with attractive rates and digital 100% contracting for account holders.
- Advantages: Easy to hire and up to 3 advance installments.
- How to access: Access the Banco do Brasil app or website and run the simulation directly in the loans section.
Mercado Pago – Flexibility for Everyone
For those who prefer digital solutions, Mercado Pago also offers early withdrawal of FGTS anniversary funds, including for non-account holders, with a simple platform and competitive rates.
- Advantages: Digital platform and fast hiring.
- How to access: Through the Mercado Pago app or website, in the loans section.
Santander – Option for Financial Planning
Santander allows customers to make early withdrawals on their anniversary and focuses on speed and convenience, with online simulations and fast service.
- Advantages: Competitive rates and simplified hiring.
- How to access: Go to the Santander website and look for the FGTS loans section.
Step by step guide to advance FGTS online
Here is a brief summary of how you can advance your FGTS directly through the financial institutions' websites:
First, choose one of the trusted websites listed above and access the institution's online platform.
Then, enter the amount you wish to advance and check the total amount of the installments, as well as the applicable interest rate.
Finally, after running the simulation and confirming the details, complete the hiring process. In many cases, completing the application is simple and only requires a few clicks.
Notice: Approval can be instant, but some banks may take a little longer to complete the process.
Advance your FGTS with security and planning
Paying FGTS in advance is a strategic choice for those who want to resolve financial issues or take advantage of the available balance in a planned manner.
By following our practical guide and using the recommended reliable websites, you can easily advance your balance with all the necessary security.
Take advantage of the benefits and visit your preferred website right now to simulate and contract the advance payment of your FGTS.
