Summary
Research by fintech Meutudo reveals that 43% of Brazilians intend to apply for loans in 2025, of which 44% are to pay off debts. CEO warns of lack of knowledge about payroll loans.
In a scenario of high interest rates and persistent inflation, the search for credit continues to be a concern for Brazilians. In a survey conducted by fintech Meutudo, with 11,348 participants, the data reveals both consumers’ willingness to take out loans in 2025 and the level of information they have about the new payroll credit rules, which come into force next year.
According to the survey, 43% of respondents plan to apply for loans in 2025. The main reason is debt, while 44% of respondents say that credit will be used to pay off debts. Among the preferred methods, 53% opt for a personal loan, 24% for payroll loans and 9% look for alternatives for self-employed workers. The choice of loan mainly takes into account the amount available (35%), the value of the installments (25%) and the interest rates (24%).
For the CEO of Meutudo, Márcio Feitoza, this behavior reflects an economic reality characterized by challenges in personal budgeting, in which many turn to credit to solve financial problems.
“The fact that personal loans are the preferred method among those interviewed highlights a worrying reality: many customers may resort to this alternative due to lack of access or knowledge of more efficient lines of credit, such as payday loans. This choice, although understandable, it may not be ideal for those who want to restructure their debts in a more sustainable way. It is essential that financial institutions and credit platforms invest in financial education and facilitate access to more advantageous options, helping customers. to make decisions that really contribute to improving their profitability your financial health.”
Despite the growth in the intention to take out loans, one important fact attracts attention: 46% of respondents are not aware of the changes to the payroll loan rules that will come into force in 2025. From January onwards, beneficiaries of the INSS will be able to request the paycheck loan within 90 days at the bank where the benefit will be provided. The delivery margin remains at 45% of the benefit.
“The change in rules on payday loans is an attempt to give borrowers greater freedom to access credit, but lack of knowledge can lead to reckless financial decisions. For the measure to be effective, institutions must ensure that the population is well informed about the new process starting next year,” reinforces Feitoza.
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Source: Terra
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