Empréstimo consignado é usado por maioria de beneficiários do INSS para pagar dívidas, revela pesquisa

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53% dos entrevistados afirmam possuir dívidas em atraso, enquanto apenas 14% avaliam sua situação financeira como boa ou ótima

POR MARQUEZAN ARAÚJO – AGÊNCIA BRASIL 61

Uma pesquisa realizada pela Associação Brasileira de Bancos (ABBC) em parceria com a Nexus Pesquisa e Inteligência de Dados indica que 56% dos beneficiários do INSS recorreram ao empréstimo consignado por necessidade financeira imediata, reforçando a relevância dessa modalidade de crédito para aposentados e pensionistas.

De acordo com o levantamento, os recursos obtidos são direcionados principalmente para quitar dívidas em atraso (35%), pagar despesas do cotidiano (34%) e custear gastos médicos (28%). Como os entrevistados puderam indicar mais de uma resposta, os percentuais podem ultrapassar 100%.

Orçamento doméstico pressionado

Os dados revelam um cenário de pressão sobre o orçamento doméstico desse público. Atualmente, 53% dos entrevistados afirmam possuir dívidas em atraso, enquanto apenas 14% avaliam sua situação financeira como boa ou ótima. As maiores preocupações estão relacionadas ao pagamento de contas da casa (51%) e à quitação de dívidas ou empréstimos (32%).

Modalidade considerada importante pelos beneficiários

Quando questionados sobre a possibilidade de não ter acesso ao consignado, 70% disseram que a ausência da modalidade poderia prejudicar sua organização financeira. Entre aqueles que ainda têm margem para contratar crédito, 73% afirmaram que provavelmente recorreriam novamente ao consignado.

O levantamento também traçou o perfil de quem contrata esse tipo de crédito. 88% dos entrevistados são responsáveis pelo sustento da família, sendo que 59% atuam como os únicos provedores do domicílio. Em muitos casos, o empréstimo é utilizado para cobrir despesas essenciais em períodos de maior fragilidade econômica.

Facilidade na contratação e canais utilizados

Em relação ao processo de contratação, 84% consideraram a operação fácil ou muito fácil. O atendimento presencial em agências bancárias aparece como o canal individual mais utilizado, com 30% das contratações, associado principalmente à sensação de segurança. Já canais digitais — como aplicativos, sites de bancos e WhatsApp — somados representam 53% das operações, destacando-se pela rapidez e conveniência.

Entre os entrevistados que relataram dificuldades no processo, os principais obstáculos mencionados foram os bloqueios mensais do benefício para contratação de crédito realizados pelo INSS e a restrição para novos empréstimos nos primeiros 90 dias após a concessão do benefício.

Para Leandro Vilain, CEO da ABBC, os dados mostram que o consignado faz parte da dinâmica financeira de uma parcela significativa dos beneficiários. 

“O empréstimo consignado é uma alternativa segura e acessível para aposentados e pensionistas do INSS, atendendo majoritariamente um público de baixa renda, muitas vezes com restrições cadastrais, com uma das menores taxas do mercado, contribuindo para a inclusão financeira e previsibilidade orçamentária”, destaca.

Vilain também ressalta que o debate sobre crédito precisa considerar tanto o acesso quanto o uso responsável. De acordo com ele, o crédito formal desempenha um papel relevante no sistema financeiro ao oferecer opções estruturadas e regulamentadas, e a atuação das instituições deve priorizar transparência, responsabilidade institucional e sustentabilidade das operações.

Já Marcelo Tokarski, CEO da Nexus, afirma que o estudo apresenta um retrato descritivo do perfil dos consumidores que recorrem ao consignado. Segundo ele, os resultados indicam que a modalidade é utilizada sobretudo para cobrir despesas correntes e compromissos financeiros já existentes, ajudando a compreender como esse tipo de crédito se insere no orçamento doméstico desse público.

A pesquisa foi realizada por entrevistas telefônicas, com margem de erro de 2,8 pontos percentuais e nível de confiança de 95%. A pesquisa foi realizada entre 10 e 22 de fevereiro de 2026, com 1.200 aposentados e pensionistas que contrataram empréstimo consignado vinculado ao INSS, abrangendo todas as regiões do país

Foto: José Cruz/Agência Brasil

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