Discover the main reasons for having the Caixa Tem NEGADO loan

Image: Brenda Rocha – Blossom /

THE Savings Bank recently opened new loan lines at Caixa Tem. THE Digital SIM (Digital Microcredit Simplification Program for Entrepreneurs) is a program that is already working.

The objective of the financial institution is to offer this microcredit to self-employed and MEIs (individual micro-entrepreneurs) values ​​between BRL 1 thousand and BRL 3 thousand.

However, some people are complaining that most of Caixa Tem loan applications are being denied. For this reason, it is important to check the reasons that usually result in the bank’s rejection.

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My loan at Caixa Tem was denied, why?

There are some common reasons that your bank loan can be denied, check them out below:

  • People with debts greater than R$ 3 thousand;
  • User who does not meet the requirements for the Digital SIM;
  • Registration data with errors or outdated.

It is worth mentioning that, before applying for credit, you can make the cadastral update to be able to increase the chances of getting the loan at Caixa Tem.

How to update your data in Caixa Tem?

First, understand that the cadastral update is free and can be performed quickly and using only your cell phone. It is mandatory to be connected to the internet and have an identity document, such as a CNH or RG, in hand.

Check out the step by step to update:

  1. First, open the Caixa Tem app and log in with your CPF and password;
  2. Access the menu and click on the option “Update your registration”;
  3. Click on “Got it, let’s get started”;
  4. After that, confirm your location data;
  5. The app will show the registered address for you to check if it is the same current location;
  6. If everything is correct, click on “Yes, it is correct”;
  7. If you have moved or noticed an error in the address, click on “My address has changed” and fill in correctly;
  8. Then, enter the country where you were born and tap “Next”;
  9. Then, click on “Got it, let’s go”;
  10. Answer all questions about income and wealth;
  11. Inform your sources of income, the amount received and how long you have been receiving it;
  12. Inform your profession and assets and click on “Next” to continue;
  13. Carefully check the information provided and tap “Confirm”;
  14. Finally, use your identification document to continue the process, following all the instructions.

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Image: Brenda Rocha – Blossom /