Como Desbloquear Empréstimo INSS e Voltar a Ter Acesso ao Crédito

15/07/2025

Disclaimer: This content is informative and has no connection with government agencies. For official information, visit the website gov.br.

If you tried to take out a payday loan and received the message that it was blocked, know that you are not alone.

Many retirees and pensioners are faced with this situation.

So today I want to explain to you how to unlock an INSS loan safely and without leaving home.

FIND OUT HOW TO SEE THE INSS PAYMENT CALENDAR

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Why might the payroll loan be blocked?

The blocking of the INSS payroll loan usually occurs for two main reasons:

🔒 Automatic protection measure

When the benefit is granted or reactivated, the INSS may temporarily block the benefit as a security measure, to prevent fraud.

✋ Voluntary request

The benefit holder himself — or someone with a valid power of attorney — may have requested the block to prevent scams or improper hiring.

📌 In both cases, unlocking can only be done by the holder, in a secure manner, through official INSS channels.

How to check if the loan is blocked?

The consultation is simple and can be done via My INSS (website or app):

  1. Access My INSS
  2. Go to Menu → Consigned Loan Statement
  3. Select Loan Benefit Lock/Unlock

If it appears as blocked, you will need to request release.

How do I request the INSS loan to be unblocked?

The process can be done 100% online through Meu INSS. Follow the step by step:

  1. Access My INSS (website or app)
  2. Log in with CPF and password
  3. Click New Order
  4. Search for “Loan Unblocking”
  5. Select Unlock benefit for payroll loan
  6. Follow the instructions and send the requested documents (usually ID and selfie holding the document)
  7. Finalize the request and track the progress through the system itself

⏳ After the request, the deadline for analysis and release may vary, depending on INSS demand.

Can I unblock in person?

Yes. If you prefer, it is possible to carry out the procedure in person at an INSS agency, with prior appointment.

For this:

Beware of scams

⚠️ Unlocking is free and personal.
Avoid intermediaries that promise “ease”, ask for payment in advance or request your password.

❌ Never report:

After unlocking, how do I hire the consignee?

After release:

Contracting must be done directly with the bank of your choice, always analyzing rates, terms and conditions.

📌 Disclaimer: This content is informative and has no connection with government agencies. For official information, always use the My INSS channels, telephone 135 or the website gov.br.

FAQ

How long does it take to unlock the INSS loan?
Usually 5 to 7 business days after applying online or in person.

Do I need to pay a fee to unlock?
No. The service is completely free.

I have more than one benefit, can I unlock just one?
Yes. You can choose which benefit you want to release for loans.

Is it possible to block again later?
Yes. If you wish, you can re-block your benefit at any time through Meu INSS.

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