Jump to main content
Young woman outdoors looking directly at the camera with her face slightly turned to the side.

Personal Loans

Transparent, safe and as you wish

A Personal Loan that puts you in control from start to end: from simulation to last installment. No tricks, no asterisks.

Applications for products are only available in portuguese.

We are glad you're interested. Please, apply on the Brazilian Portuguese version of our website.

Full autonomy and real-time simulation

Simulate the loan amount, choose the number of installments and the best date to make your payments.

Before confirming the option that works best for you, check the interest rates, conditions and the total amount of the personal loan.

All set! Once the loan is approved, the money is instantly transferred to your Nubank account.

edges of a cell phone screen

Payments with you in control

Choose the number of installments and payment dates

You choose the first payday, which can be up to 90 days after borrowing. And you have up to 24 months to finish paying off the loan. No hidden information.

Automatic debit or bank deposit slip

Payment of installments is made by automatic debit to your Nubank account or by bank deposit slip, requested directly through the customer service.

Antecipate the installments

Freedom to antecipate as many installments as you want. The discount on interests rates appears instantly on your phone and you get to see how much money you saved.

Interest rates designed for you

The interest rates are fair and personalized to help you make the best choice for your financial life. During the simulation, you have visibility of each payment date, installment, fare and total amount to be paid in each scenario. Besides a 24/7 customer support to answer any questions you may have.

Young woman outdoors leaning on a car and using cell phone.

Personal loans with salary portability: less insterests and more ease

edges of a cell phone screen

Up to 15% lower rates for loans

By bringing your salary to Nubank, you have even lower interest rates when getting a personal loan. Everything is done directly in the app in a fast and transparent way.

Security and transparency at all stages, the Nubank way of taking out a Personal Loan

  1. Step

    To get started, ask for your Nubank account and credit card

    For now, Nubank Personal Loan is only available to customers who already have our digital account and credit card.

    If you already are a Nubank customer, check your app's home screen to see if you have access to the loan.

    Applications for products are only available in portuguese.

    We are glad you're interested. Please, apply on the Brazilian Portuguese version of our website.

  2. Step

    Confirm if the "Simulate Loan" option is available in your app

    The conditions are personalized and the pre-approved maximum limit may vary each day. You can see the amount available for your loan even before the simulation.

    A mobile phone on the Nubank app home screen.
  3. A cell phone on the loan simulation summary screen in the Nubank app.


    You can simulate as many times as you want until it's to your liking

    Simulation is the perfect time to try the options that work best for you. It is possible to see how much and when you are going to pay for the loan in a safe and transparent way.

  4. Confirm and it's done!

    We’ll make an instant risk analysis, and once the loan gets approved you will be able to use the money, manage payments and anticipate installments. All in a simple and efficient way.

    A cell phone on the loan approval screen in the Nubank app.

Surprisingly simple

Over 2.5 million people have taken on Nubank's loan service and discovered the power of an uncomplicated financial life.

I've heard that payroll is usually for civil servants, or retirees. I never imagined that I would have similar options for someone who is CLT. It was the first time. Basically, it is a payroll loan, due to salary portability. — Rodrigo

We can barely believe it was so easy. We’re very happy, because the installments and the interest rates are lower than others we've seen out there. Plus, instead of paying off the loan for countless months, we'll do it in just two years. — Inara

I managed to hitch my business with the loan you offered me in the app along with my brother-in-law, thanks for the opportunity in these difficult days. — Carla

Very positive mainly because it’s practical, it impressed me. By how fast it is, the bureaucracy is very low. In other experiences I've had with other banks, an amount like that, under these conditions, at this speed, is wonderful. — Marta

Frequently asked questions about the personal loans

  • Interest rates are customized for each customer and can vary according to the month or the number of installments chosen in the simulation. To check the exact rate, just create a simulation.

  • All employees of private or public companies and also retirees who have a salary account are able to request salary portability. If you receive your salary on a checking account, you will not be able to port it to the Nubank account. To find out if you have access to the loan with salary portability, just see if the option is in your application on Loan panel, by clicking "Simulate loan". If it's not showing, you'll need to wait a little longer.

  • Yes. The credit portability allows you to transfer your transaction to another financial institution. There are two rules: the total amount of the new loan cannot be greater than the balance you still need to pay. And the new payment term cannot be longer than the current limit either. In other words: to make the portability, the conditions of the other institution must be better than the current one. You need to compare the two proposals well. On Nubank, you can port your loan to another financial institution at any time. To do that, you just need to contact the institution you want to transfer to.