If money is tight and you need more resources but don't want to get involved in a new debt, it may be interesting to advance the FGTS through Daycoval.

This financial institution offers its audience the possibility of accessing part of its guarantee fund in an easy, practical and safe way with this type of credit!

This way, you can have the money you need on hand and still access a low-interest loan that doesn't create debt for you.

Want to know how this is possible? So, stay with us in this article and learn more about the process of advancing FGTS through Daycoval.

In summary, the FGTS advance is a type of credit that allows you to access some installments of your birthday withdrawal in advance.

This way, instead of waiting until your birthday every year to access the money, you can receive it in advance to use as you wish.

This way, you receive the money in your account and then Daycoval bank automatically deducts the amount of the birthday withdrawal that you would have withdrawn every year. This way, you don't even have to worry about paying another bill each month.

And the best part is that this loan does not generate debt! This happens because the amount you contract is equivalent to the value of your FGTS balance, which is already your money.

This way, by anticipating the FGTS through Daycoval you will be easily accessing your money to use as you wish today, without having to wait for an unfair dismissal or your birthday. 

This way, you can access the money you need today to achieve different goals without taking on new debt!

To advance the FGTS through Daycoval you must have an active or inactive guarantee fund account with at least R$ 400.00 in balance.

This way, you can now apply for this loan and access the money. And the best part is that it is also available to those who are negative, which offers even more chances for you!

When applying for a loan, it is important that you know more about the conditions it offers so you can understand whether it is an option that really fits your budget.

Therefore, if you advance the FGTS through Daycoval, you can access up to 7 annual withdrawals from your balance in a very easy and practical way. 

Therefore, with this type of loan you have a maximum period of 7 years to repay it, which means that during this period Daycoval bank will be deducting the loan amount from your guarantee fund.

Regarding loan amounts, the bank establishes that the public can borrow any amount between R$ 300.00 up to R$ 500 thousand. Namely, everything will depend on the balance available in your guarantee fund.

Finally, regarding the interest applied to this type of loan, Daycoval bank applies a rate of 2.04% per month.

By now you have already seen the main characteristics of fund anticipation. However, you need to know more about this loan model to be sure it is for you.

Therefore, we have separated below the main positive and negative points of these modalities so that you can analyze whether the anticipation is worth it for your financial life.

In short, the advantages of anticipating your birthday withdrawal has several positive points for you. Below, we separate the main advantages.

Firstly, when you advance the FGTS through Daycoval you don't have to worry about paying another bill, meaning your monthly budget isn't compromised by yet another bill.

Another great advantage that shows how accessible this type of loan is is the fact that it is available even to those who are negative. This way, you can access the money you need to pay off your debts.

Finally, a more common question that people have about anticipating the fund is whether someone who is working with a formal contract can request it.

And to the delight of many people, it is possible to advance FGTS through Daycoval even if you have a formal job.

On the other hand, anticipation can also offer some disadvantages to your financial life, as you can see below.

A negative point of this modality is that the amount borrowed is blocked in your FGTS until payment is made. This way, if you need to access the full value of the fund, you will only be able to access part of it.

As much as the type of credit accepts negatives, we cannot deny that not all Brazilians have R$ 400.00 available in their fund. 

Furthermore, people who have always worked as self-employed may also not be able to access this loan if they do not have a balance.

Finally, as advance payment is a type of credit, here it is necessary to consider that it has interest and that it will be deducted from your fund as well, which means that a larger portion of your fund will be deducted.

After analyzing the pros and cons of anticipation and deciding to continue with it, you will need to learn how to advance FGTS through Daycoval.

The good news is that the process of anticipating the fund is very simple and can be done in a few steps, as you can see below.

To do this, simply download the FGTS application and log into your account. So, you just need to go to the opponent withdrawal option, accept the terms and leave the “Birthday withdrawal loan” option selected.

After joining the birthday withdrawal, you can go to the option “Authorize banks to consult your FGTS” and then click on “Add institution”.

With that, just click on the search box and type “Day” and the Daycoval bank option will appear below. Once this is done, simply click on the bank option and confirm that you authorize it to consult your FGTS. 

Now you can access the Daycoval bank website under the FGTS advance option and carry out a simulation of your credit to see if it is possible to access the amount you want.

This way, on the same page you can now proceed with requesting the advance payment to have the money you want in your account in a short time!

So, by following these steps, you can now advance your FGTS with Daycoval bank in a simple, quick and safe way!

However, if you want to learn about the bank's other financial products, access the recommended content below.