To request an INSS payroll loan, beneficiaries must make a credit request with the chosen financial institution and then validate the contract with facial biometrics through the Meu INSS application.
The procedure is part of the new rules and conditions offered for the type of credit with special interest.
INSS application now works in accordance with changes in the law
The changes came into force on May 19th of this year, in accordance with Law No. 15,327/2026, with complementary regulations established by Decree No. 12,957/2026, and also based on security recommendations from the Federal Audit Court (TCU).
Payroll credit is a type of loan in which payment installments are automatically deducted from your paycheck or INSS (National Social Security Institute) benefit.
To apply for payroll credit, you must first apply for the loan with a financial institution, such as digital banks, traditional banks and authorized banking correspondents. After that, the validation is done in the application My INSS:
- Log in to the app with your CPF and password;
- Select the option “Confirm Consigned Loan” on the home screen or by searching for it in the search bar;
- Choose the desired benefit to advance;
- Check which loans are pending confirmation and go to “Detail”;
- Analyze and confirm that the loan data is what you understood and accepted with the financial institution;
- Click on “Confirm” or “Don’t Confirm”, depending on whether everything is correct or not;
- If confirmed, read the tips and continue to “Perform Facial Recognition”;
- Follow the guidelines to confirm your identity;
- Receive loan confirmation.
It is worth remembering that confirmation will not be completed if the biometrics do not prove the beneficiary’s aliveness, if the information does not exist in the database or if there is an error during facial recognition.
It is are guarantees of security against fraud and over-indebtednessmain objectives with the new rules.
To access confirmed or expired credits From May 2026, simply click on “Consult History” within the Meu INSS application. Furthermore, the “Consigned Loan Statement” shows all those that were confirmed.
Conditions can be consulted at the chosen financial institution
With the new developments in payroll-deductible credit, there is improvements in loan conditions for the beneficiaries.
Today there is the possibility of taking out the loan with a grace period for payment — you can start paying in up to three months — and a longer period to pay off the credit amount — the limit has risen from 96 months to 108 months.
To find out the specific conditions, you must consult directly with the financial institution or bank chosen for the loan.
In the case of Inter, which is a digital option for payroll loans, it is possible using a calculator on the institution’s website or Super App. The contract has payment installments starting at R$42.60.
In addition to the 100% digital request, there is the alternative of talk to one of Inter’s consultants.
For those looking to improve conditions by refinancing a payroll loan, the institution also offers portability options.
Payroll loans with low interest rates are also an option for public servants (federal, state and municipal), and military personnel from the Armed Forces, each of them with specific conditions and rules.
