Advertisements
Are you unsure whether you can bring forward your thirteenth salary if you are in debt? Check out this content for everything you need to know about the subject and where to bring forward your Christmas bonus!
The advance payment of the thirteenth salary may seem like a complicated matter to understand for some people.
For this reason, in today's post, we have brought you a complete guide showing you, bank by bank, the steps you need to follow to request an advance on your benefit.
All in accordance with your financial institution.
Remembering that: The thirteenth salary is only allowed to registered workers, those who have a signed employment contract and have at least 15 days of work per month (rural, urban, casual, domestic workers).
INSS retirees and pensioners are also entitled to receive their thirteenth salary in advance.
But now, for those of you who still have doubts, we will explain in more detail what the 13th salary is, in order to help you in your redemption process.
So, keep reading and find out exactly:
- What is the 13th salary;
- How does the thirteenth payment advance work?
- Where to advance the thirteenth salary;
- Can someone with a negative credit history bring forward their thirteenth salary?
- When can I request an advance on my 13th salary in 2022?
- Is it worth paying your thirteenth salary in advance?
- Which financial institutions advance the thirteenth salary?
- Why can't I bring forward my thirteenth payment?
What is the 13th salary?
The thirteenth salary is a right established by law for all workers with a formal employment contract. In December of each year, this amount, based on your salary, is released.
It is often used for vacations, buying gifts, paying off debts, making investments or preparing for end-of-year celebrations.
President João Goulart was the one who proposed this benefit to workers, on July 13, 1962 with the Law 4.090.
How does the thirteenth payment advance work?
Some workers, out of necessity or simply preference, end up opting to pay their thirteenth salary in advance.
In this case, understand how it works, in case you have never made this advance before.
First understand that, the 13th salary advance, can change from company to company depending on internal rules.
However, be aware that no company is obliged to pay the thirteenth salary at the same time to all employees.
Therefore, it is possible to choose different dates for the advance payment, depending on each employee.
Not all companies provide full advance payment and in many cases it is only part of it.
Therefore, some banks offer the advance service with interest and fees, which ends up being a loan in the end.
The advance will always be available at the bank where you receive your payments. Be aware of the fees and interest rates of each financial institution.
Did you know that anticipating your thirteenth salary is one of the cheapest loan options available? This is because banks understand that it is an easier way to get your payments back, when compared to other loans.
Where can I get my thirteenth salary in advance?
Check now which banks you can use to request your thirteenth salary advance and the important details regarding this action.
Advance payment of the thirteenth salary Caixa
How does it work?
Only those who have a “salary account” at the institution and have been employed for at least 12 months may make the request at Caixa Econômica Federal.
Retirees and permanent pensioners are also not left out. In their case, in order to apply, they must have a deposit account at Caixa bank.
As for taxes and interest, you can only find out about them at the time of contracting.
But, in general, the values tend to stay from 3,19% per month, being possible to withdraw up to 90% of the 13th salary, with a maximum limit of up to R$ 20 thousand.
What are the advantages?
- Easy advance request, either through the agency or directly from your cell phone;
- The amount is credited directly to your Caixa debit account.
How to apply?
Going to a branch near you, carrying your documents, or directly through the app on your smartphone.
Important details about the thirteenth Caixa advance
| Amount released | R$ 500.00 to R$ 20,000 thousand |
| Deadline for payment | 330 days |
| Availability for those with bad credit | No |
| Release time | Immediate after approval |
Advance payment of the thirteenth salary at Itaú
How does it work?
Anyone who is eligible and receives their salary from that institution may make a request at Banco Itaú.
As for taxes and interest, it will also only be possible to know at the time of contracting.
But, in general, the values tend to start at 3,13% per month, with it being possible to withdraw 100% from the 13th salary, with a maximum limit of R$ 5 thousand for Varejo and Uniclass customers and R$ 10 thousand for Personnalité customers.
What are the advantages?
- Speed in analysis and deposit;
- Amount deducted directly from the account, without having to worry about bills or due dates.
How to apply?
Go to a branch near you, bringing your documents, or directly through the app on your smartphone. Via Itaú internet and official Itaú telephone numbers.
Important details about the thirteenth Itaú advance
| Amount released | maximum of $ 5,000 thousand (Retail and Uniclass customers) and R$ 10,000 thousand (Personalité customers) |
| Deadline for payment | Payments in December |
| Availability for those with bad credit | No |
| Release time | Immediate after approval |
Advance payment of the thirteenth Bradesco salary
How does it work?
Any account holder and person who receives their INSS benefit from Banco Bradesco may make the request at Banco Bradesco. The advance payment is made in just one installment.
Regarding taxes and interest, it is only possible to find out at the time of contracting.
But, in general, the amounts tend to start at 1,99% per month, with it being possible to withdraw 100% from the 13th salary, with a maximum limit of R$ 50 thousand.
What are the advantages?
- Proof of credit use is not required;
- Credit made available immediately in the account;
- Lower interest rates.
How to apply?
Advance requests must be made by the end of October this year.
You can place the order directly at a branch, through the Banco Bradesco app, through Internet Banking or at the institution's own ATMs.
Important details about the advance of the thirteenth Bradesco payment
| Amount released | R$ 200.00 to R$ 50,000 thousand |
| Deadline for payment | Payments in December |
| Availability for those with bad credit | No |
| Release time | Immediate after approval |
Santander 13th salary advance: those with bad credit can pay their 13th salary in advance at this institution, according to the bank's analysis
How does it work?
Any customer who receives their salary there can make the request at Banco Santander.
Retirees and pensioners with a current account are also entitled to request the benefit.
The advance payment will be made in a single installment, when you receive your 13th salary, with a deadline of 12/20.
As for taxes and interest, rates start at 1,99%, and it is possible to withdraw 100% from the 13th salary, with no pre-established maximum limit.
What are the advantages?
- No bureaucracy to request advance payment;
- Easy and fast approval;
- Lower interest rates;
- Money goes directly into your Santander account.
How to apply?
Go to a branch near you, bringing your documents, or directly through the app on your smartphone, via Internet Banking or at an ATM of the institution.
Important details about Santander's thirteenth salary advance
| Amount released | No predefined limit |
| Deadline for payment | December 20th |
| Availability for those with bad credit | According to analysis |
| Release time | Immediate after approval |
Advance payment of the 13th Banco do Brasil
How does it work?
Any customer who receives their salary from Banco do Brasil may apply for the benefit. Retirees and pensioners with a BB checking account are also entitled to apply for the benefit.
The advance payment is made in a single installment, on the day you receive your 13th salary, or on the expiration of the contract, whichever comes first.
As for taxes and interest, rates start at 1,99% and go up to 4,83% per month, with it being possible to withdraw 80% from the 13th salary, with a maximum limit of R$ 20 thousand.
What are the advantages?
- The amount is credited directly to your BB account;
- Amount deducted directly from the account, without having to worry about bills or due dates.
How to apply?
To sign the contract, it is advisable that you already have a pre-approved credit limit. In addition, you must have signed the General Clauses of the CDC Adherence Agreement.
Important details about the advance of the thirteenth Banco do Brasil payment
| Amount released | Up to R$ 20,000 thousand |
| Deadline for payment | Upon expiration of the contract or receipt of the 13th |
| Availability for those with bad credit | No |
| Release time | Immediate after approval |
Crefisa 13th Salary Advance
How does it work?
The requested payment amount can be divided into up to 24 installments, paying the installments using a bank slip.
The conditions for the request are: Being a public servant, INSS beneficiary, beneficiary of a private pension fund or a mixed economy employee.
As for taxes, interest and maximum contracting limit, it is only possible to be aware of them at the time of requesting the advance.
What are the advantages?
- Easy approval;
- Quick approval;
- Lower interest rates.
How to apply?
Going to a branch near you, carrying your documents, or through the telephone service center.
Important details about the advance of the thirteenth Crefisa
| Amount released | Through Analysis |
| Deadline for payment | Analyzed by the creditor |
| Availability for those with bad credit | No |
| Release time | Up to 24h |
Now that you can check out the main advantages of each bank and their conditions, tell me in the comments… What are your plans right after receiving your advance?
Remember: Good planning for this money is of utmost importance, to always avoid your finances becoming a snowball.
But after all, can a consumer with a negative credit history bring forward the thirteenth?
But can a consumer with a bad credit history bring forward their thirteenth salary? If that's your question, we have some news to brighten your day! After all, people with bad credit also have a good chance of having their credit approved.
However, it all depends on the policy of each financial institution. In this case, the best option is to first apply for credit at the financial institutions where you receive your salary.
Another way to make the process easier is to search for your offers on credit search engines, such as Serasa eCred and the Good for Credit. Since by registering and entering your CPF number, in just a few minutes you have access to credit institutions with the advance available for your profile!
Enjoy and read too 👉 How much should I receive for 5 years and work salary 1500!
I discovered that those with bad credit can bring forward their thirteenth salary, now when can I request an advance on my 13th salary in 2022?
The thirteenth is one of the most important benefits in a worker's life and today most financial institutions make advances without bureaucracy and quickly.
However, there is a specific date to request credit, which ranges from February the November. Therefore, in 2022 the deadline to advance your benefit extends until November. Generally, the amount is discounted all at once in December, plus interest.
When will retirees receive their thirteenth salary?
Now, if you are retired or a pensioner of the INSS, there is a specific date to receive the money, which varies according to the final number of the benefit.
First installment schedule for retirees/pensioners who receive up to a minimum wage
| End of benefit | Payment date |
| 1 | April 25th |
| 2 | April 26th |
| 3 | April 27th |
| 4 | April 28th |
| 5 | April 29th |
| 6 | May 2nd |
| 7 | May 3rd |
| 8 | May 4th |
| 9 | May 5th |
| 0 | May 6th |
Payment schedule for the first installment for retirees and pensioners who earn more than the minimum wage
| End of benefit | Payment date |
| 1 and 6 | May 2nd |
| 2 and 7 | May 3rd |
| 3 and 8 | May 4th |
| 4 and 9 | May 5th |
| 5 and 0 | May 6th |
Payment schedule for the second installment for retirees and pensioners who receive up to a minimum wage
| End of benefit | Payment date |
| 1 | May 25th |
| 2 | May 26th |
| 3 | May 27th |
| 4 | May 30th |
| 5 | May 31st |
| 6 | June 1st |
| 7 | June 2nd |
| 8 | June 3rd |
| 9 | June 6th |
| 0 | June 7th |
Payment schedule for the second installment for retirees/pensioners who receive up to a minimum wage
| End of benefit | Payment date |
| 1 and 6 | June 1st |
| 2 and 7 | June 2nd |
| 3 and 8 | June 3rd |
| 4 and 9 | June 6th |
| 5 and 0 | June 7th |
Is it worth paying the thirteenth salary in advance?
Well, if you are in doubt as to whether it is worth paying your 13th salary in advance, the answer is: it depends!
It depends on analyzing your finances and checking whether it is really necessary, after all, interest rates are discounted and the value of the credit does not reach 100% of the real salary to be received.
See below a list of advantages and disadvantages to help you weigh up your decision and make the best choice!
Advantages
- Money in your account in just a few moments;
- Many chances of being approved even for the group of consumers with negative credit ratings;
- Pre-fixed interest rate;
- Advantageous values.
Disadvantages
- Interest charges;
- The amount is discounted only once;
- At the end of the year you will not have the benefit;
- Some institutions do not release 100% of the 13th salary amount.
Based on the advantages and disadvantages, the ideal is use the benefit advance only in emergencies, if you don't have a reserve or someone to turn to in the event of financial difficulties.
Which financial institutions advance the thirteenth salary?
In addition to banks, there are also some financial institutions that advance the thirteenth salary, such as Crefisa and Creditas!
Advance of the 13th Crefisa
First of all, Crefisa has been operating in the credit market for over 50 years, offering payroll loans and a wide range of financial products, including for those with bad credit.
Now, the financial institution also works with advance payment of the 13th salary online and without bureaucracy. In fact, the money is deposited into the account within 24 hours and the customer has the option of hire online or directly at an agency.
Advance payment of the 13th Creditas
Creditas works similarly to Crefisa, but there is a difference: Credit is only available to employees of partner companies. One of the great advantages is also the option of request up to 40% of salary no interest charges and the money is deposited into your account within 2 days.
If you are interested in taking out this loan, ask your company's HR department if there is an agreement with Creditas. If the answer is no, it is worth informing them of the benefits, as the financial institution has a complete line of financial products for the entire company, including HR.
If I have a negative credit history, can I bring forward my thirteenth salary? Why can't I bring mine forward?
But if someone with a negative credit history can bring forward their thirteenth salary, why can't I bring mine forward?
Have you tried everything and still can't get your thirteenth salary paid in advance? Want to know why? Here are some reasons!
The employee does not have a signed employment contract
The first factor that may be holding up your credit approval is related to registration. The thirteenth salary advance is available just to employees duly registered under the CLT work regime.
The company does not have an agreement with the bank
One of the main points to be successful in getting your loan approved is to make your request at the bank where you receive your salary. After all, most institutions only release credit to customers or partners, as is the case with Crefisa, for example.
Your name is dirty and the bank does not accept people with bad credit
As we have seen throughout this reading, a person with a negative balance has a great chance of being approved for an advance request for the thirteenth salary! However, each bank has a different credit policy and it may be that the institution where you are applying for the loan does not accept people with bad credit.
Conclusion on the subject if negative can bring forward thirteenth
The thirteenth salary, or Christmas bonus, is a benefit for all registered workers. However, there are cases in which it is not possible to wait until the end of the year and at that point the role of advance payment comes into play.
In short, the benefit also extends to those with bad credit, but it all depends on the credit policy of each financial institution. In general, those with bad credit can bring forward their thirteenth salary! In addition, this is an excellent opportunity to pay off outstanding debts and clear your name.
Did you enjoy learning about the new feature? Also read: “How do I know if I have FGTS to receive?” Click the button below and find out all the details about the subject!
