Banco de la Nación lends up to S/ 50,000 in discount per payroll: what are the requirements?

Banco de la Nación offers a payroll discount loan aimed at public sector workers and pensioners, including those under the CAS regime. This credit allows you to obtain up to S/50,000 with payment terms of up to 60 months.

If you find yourself in a complicated economic situation and are looking for a quick and effective solution, the payroll discount loan from Banco de la Nación could be your best option. Below, we present all the details, requirements and steps to request this credit.

What is the payroll discount loan about?

The payroll discount loan from Banco de la Nación is designed to provide liquidity to workers. This type of credit allows applicants to access amounts of up to S/ 50,000, with a maximum term of 60 months for repayment, subject to a credit evaluation that will determine the amount and specific term for each case.

The annual effective rate (TEA) of this loan is fixed, 8.90%, and the annual effective cost rate (TCEA) It starts from 10.47%, making it a competitive option. This credit is designed to help users consolidate debts, cover economic emergencies or make important investments.

Banco de la Nación: what are the payroll discount requirements?

To access the payroll discount loan from Banco de la Nación, it is necessary to meet a series of basic requirements that ensure the applicant’s eligibility and guarantee the correct use of the funds. The requirements are the following:

1. MultiRed Debit Card: It is essential to have a debit card issued by Banco de la Nación.
2. Original DNI or immigration card: both the original document and a copy of it must be presented.
3. Last payment slip: for workers or pensioners, it is necessary to present the most recent pay slip (original and copy or virtual slip), no older than four months.
4. Additional documentation for CAS workers: those whose date of entry into employment is from March 10, 2021 onwards, must present the latest original contract and addendums or certified copies, demonstrating a minimum work seniority of 13 months.
5. Documentation of debts to be settled or consolidated: If you have debts that you wish to consolidate, you must present the most recent credit card statement or debt settlement for consumer loans.

These requirements ensure that the applicant has the ability to repay the loan and that the Banco de la Nación can correctly evaluate their credit profile.

BN payroll discount loan: how to apply for it?

The process to request the payroll discount loan from Banco de la Nación is simple and is carried out in three clear steps.

1. Go to the agency: The first step is to go to the nearest Banco de la Nación agency, whether in Metropolitan Lima or in the provinces, within the established opening hours. It is important to bring all the required documents to start the process.
2. Pass the credit evaluation: deliver all the requirements to the bank staff, who will proceed to carry out a credit evaluation. This evaluation will determine if you are suitable for the loan and will establish the amount and term of the credit according to your financial profile.
3. Receive the loan: Once the application is approved, the loan amount will be deposited directly into your savings account at Banco de la Nación. In addition, you will be provided with a list of contractual documents that you must sign to formalize the credit.