If you need to access extra money this month, but don't want to generate new debts with abusive loans, it might be a good idea to advance the FGTS through BX Blue.

This financial institution, which is actually a great search engine for payroll loans, allows you to find the ideal FGTS advance payment for you to access the money you need.

Therefore, when accessing this type of credit, you can have part of your FGTS balance in your hands and, in this way, use the money as you wish.

And the best part is that this loan does not compromise your budget or create a new activity for you.

To better understand how this loan works, stay with us in this post.

In summary, the FGTS advance is a credit modality that was created for people who joined the birthday withdrawal and who have a balance in their guarantee fund accounts.

This way, from BX Blue, these people can access up to 5 installments of the birthday withdrawal very quickly and easily.

On the platform, you can access the conditions that several BX Blue partner banks can offer you in this type of credit.

Namely, advance payment generates lower interest rates and also allows you not to compromise your budget when applying for credit.

This happens because when you advance the FGTS through BX Blue, the financial institution will be responsible for deducting the amount of the anniversary withdrawal from your FGTS balance.

This way, payment for this loan happens automatically and allows you not to compromise your monthly budget or generate new debts!

To be able to advance the FGTS through BX Blue and, thus, access the most attractive credit conditions, it is necessary to fulfill some basic requirements.

Firstly, you need to have a balance in your FGTS, regardless of whether the account is active or inactive. In addition, you must also have signed up for the birthday withdrawal to request this loan.

In fact, to have access to it, you must have your CPF in good standing with the Federal Revenue Service and also be of legal age or emancipated.

This way, by meeting these requirements, you can now access this loan and access the money you need without generating debt.

Initially, when searching for the ideal credit for you, it is essential to know the main rates and terms that you can access.

Therefore, when you advance the FGTS through BX Blue, you can access up to 5 installments of your birthday withdrawal automatically. 

This way, payment of the loan can also be made in up to 5 years, where each year the bank itself will deduct the amount of the installment from your FGTS balance.

But, regarding the interest rate, BX Blue does not disclose the rate charged. As it is a loan search engine that has partnerships with several banks, the interest rate will depend on the bank you choose within the search engine.

Furthermore, the rate is defined based on a credit analysis that financial institutions carry out before approving credit.

Therefore, it is not possible to know the interest rate that you can access when anticipating the FGTS through BX Blue, it is only disclosed after starting the loan request.

By now you already know that advance payment of FGTS does not generate debt or compromise your monthly budget. Furthermore, it offers better term conditions and a low interest rate.

With this information alone, many people can decide that the advance payment of FGTS through BX Blue is worth it and can now be done.

But, in fact, taking out a loan should be something more thought out and planned so that it really helps your finances and doesn't harm them.

Therefore, to obtain this clarity, we have separated below the main advantages and disadvantages that the early birthday withdrawal has.

Starting with the advantages, we can now highlight the low interest rate that you can access on this loan.

Furthermore, the fact that it is available to people who are negative is also another great advantage of advance payment, which shows that it really is a more accessible option.

But, these are not the only benefits you can access with anticipation. Check out 3 more advantages it offers below!

When you advance the FGTS through BX Blue, you do not need to justify the use of the money for the financial institution to release the credit to you!

This way, you just need to apply for the loan and you can use the money however you want.

Another big advantage is that the money is quickly released into your account. In other words, most banks that offer advance payment can transfer the money to you within 1 business day!

Last but not least, the FGTS advance is the only type of credit that does not generate debt for you.

As installments are paid automatically, the risk of default is very low, which means you don't end up with debt!

This way, you can take out the loan and not have to worry about having a bad name.

Even though anticipation has great benefits, it still has two negative points that need to be considered.

Firstly, advance payment is still not the most accessible credit option out there. Despite allowing negative people to access it, it still has many criteria to allow people to request it.

Therefore, those who do not have a balance in the FGTS, such as people who work independently, are unable to access this credit.

And secondly, anticipation can block your guarantee fund. This way, if an emergency happens and you need to access it, it will not be possible to have the full amount of the balance, only a part of it.

Despite the negative points, the FGTS advance through BX Blue can still be an interesting credit option for you.

Therefore, to request it, you just need to access the FGTS application, join the birthday withdrawal and authorize Banco J Safra SA or Banco Pan to consult your data.

With that done, you just need to go to the BX Blue website online to carry out the free credit simulation and find the option with the best conditions.

This way, just follow through with the request and receive the money in your account very quickly!

On the other hand, if you want to check out other ways to make money, read our recommended content below.