Program creates credit for informal workers, expands private payroll loans and launches line for Fies graduates
The president’s government (PT) announced this Monday (June 29, 2026) a package to expand access to credit for informal workers, private sector employees and Fies graduates. The main measure is the creation of Desenrola Adimplentes, which will allow the renegotiation of loans with interest of up to 1.99% per month.
In addition to the new modality, the government changed the rules for private payroll loans and created Fies Empreendedor, a line aimed at students who keep their student loans up to date. In total, the government estimates that it will allocate R$4 billion from the National Treasury to make the new lines viable.
UNROLLS ADIMPLENTS
The new modality is aimed at informal workers who have already taken out personal loans and keep payments up to date. People with a debt balance of up to R$15,000 may participate, as long as they have paid at least 4 installments of the contract and are in compliance or up to 90 days late.
The program will allow you to replace operations with interest rates between 6% and 12% per month with a new loan with a rate limited to 1.99% per month. It will also be possible to extend the debt payment period and take out additional credit, as long as the new installment does not exceed 90% of the value of the previous installment.
The government’s expectation is to benefit 200,000 to 500,000 workers, the equivalent of up to half a million families.
FIES ENTREPRENEUR
The line is aimed at students who have paid off or are up to date with their student loans. The program will offer interest of 11% per year, equivalent to 0.87% per month.
The limit will be up to R$80 thousand for individuals and R$180 thousand for legal entities. The payment period will be up to 60 months, in the case of individuals, and up to 96 months for legal entities.
Graduated alumni, who have been paying for at least 36 months and who have never renegotiated financing, will be able to hire the line.
The government estimates that around 100,000 graduates will benefit.
PRIVATE CONSIGNMENT
The package also changes the rules on payroll loans for workers with a formal contract. New operations can be contracted through the Digital Work Card or directly with banks, with interest limited to 1.99% per month and coverage of up to 50% of the nominal value of the debt.
