Wincred is a digital credit service that helps formally employed Brazilian workers explore and apply for Crédito do Trabalhador, a payroll-deducted loan for people with a registered CLT employment contract. Through a free, no-obligation simulation, customers can review available conditions, compare proposals and choose an offer suited to their needs. The process is designed to be completed online, with guidance to help users understand repayment terms and follow their applications.

Eligible applicants must have an active formal employment relationship, available payroll-deduction margin and approval following a credit assessment. Once approved and contracted, loan payments are deducted from salary while the employment relationship remains active, and the funds are deposited into the customer’s bank account. Wincred says this structure may provide lower rates than personal credit. Applications are initiated through the Carteira de Trabalho Digital, where customers can request proposals from financial institutions; Wincred identifies Socinal S.A. as its partner institution. The company also provides customer support through WhatsApp and email, along with information about eligibility, application steps and repayment.