In the PCD loan, the person with disability has a line destined to finance products and services that help in their quality of life.

With that in mind, today we are going to show you what a PCD loan is and how accessibility credit works. In addition, the loan for PCD is a possibility through traditional loan and financing modalities, but also using credit accessibility. So, read the content!

First, the PCD loan is a traditional loan and financing modality, but also one of accessibility credit. It works as a line of credit for financing products and services that seek to help people with disabilities.

Among the products and services that can be financed are: motorized wheelchairs, hearing aids, walkers, winches, vehicle adaptations, orthoses and prostheses and more than 300 items that make up the list.

So, it's a way to finance products and services to help people with disabilities.

In this sense, we are going to show four financial institutions that offer the line, they are: Banco do Brasil, Santander, Caixa and Bradesco.

At Bradesco, you can find financing that can reach up to 70% of the value of services or products that are divided into hearing aids and renovations to make environments more accessible, for example.

Furthermore, interest rates range from 2,56% to 2,94% depending on the payment term.

It is important to highlight that, in addition to the accessibility credit line, people with disabilities are also entitled to traditional loan and financing products such as property guarantees, for example.

At Banco do Brasil, there is credit that finances from R$70 to R$30 thousand, and one of the requirements to apply for it is to have a maximum monthly income of 10 minimum wages.

In addition, you need to be an account holder at the institution and the product or service to be financed is part of the list of products or services provided by the institution.

At Santander, the payment term is up to 48 months and the interest rates start at 1.95% per month.

In addition, in Santander the installments are debited automatically.

Therefore, you must forward the Invoice for the equipment or the bank slip linked to the CNPJ of the company that supplies the product, accompanied by the purchase order with the description of the product.

To contract with Caixa, you need to be an account holder at the institution and the fundable limit is up to R$10 thousand.

In fact, the payment term is up to 24 months and interest rates of up to 1,96% per month, with the possibility of financing up to 100% of the amount.

To apply for accessibility credit, you must be an individual and have a credit limit and income of no more than 10 minimum wages. Thus, anyone can request, for their own use or for the use of third parties.

In order for you to place the order, you must have the purchase invoice with the description of the product and the date of issue within a maximum of 30 days before applying for the credit.

For cases of renovations, you must also present the architectural project. Incidentally, the requested documents, interest rates and other criteria for taking out credit may vary according to each financial institution.

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