Congress approves MP report that guarantees facilitated credit for work motorcycles

The joint committee of Congress approved on Friday (28) the report of Provisional Measure 1,366/2026, which creates the facilitated credit line for professional motorcyclists. The text now goes to the plenaries of the Chamber and the Senate.

The financing, curiously, is already working: the MP was issued on June 12 and the line went into operation on July 27. What Congress decides now is whether it becomes law definitively — if the MP expires, the program loses its legal basis.

The report by Deputy Amanda Gentil (PP-MA) was approved in the form of a conversion bill and expanded the original scope. In addition to delivery workers, motorcycle taxi drivers, motorcycle couriers and professionals hired by the CLT, the rapporteur included school transportation and created specific actions for women and people with disabilities.

The rules are strict. Only motorcycles, scooters and flex mopeds of national manufacture up to 160 cm³ are included, in addition to motorcycles and electric bicycles produced in the country. Delivery workers and app motorcyclists need active registration for six months and one hundred proven rides or deliveries; those who have a formal contract need the same six months of activity. Everyone needs a category A driver’s license, and each beneficiary can finance a single vehicle.

How credit works today

The Move Brasil Entregadores and Motoapp line finances up to 100% of the value of the vehicle, with no down payment, in up to 48 months, with a two-month grace period. Interest is 0.99% per month for men and 0.91% for women, equivalent to 12.5% and 11.5% per year. In a simulation released by the government, a R$ 21 motorcycle would cost in installments of about R$ 552.

The subsidy comes from the Social Infrastructure Investment Fund, with a guarantee from the Operations Guarantee Fund. The operation is from Caixa, with Banco do Brasil, Banco Honda, Banco Yamaha and other accredited institutions. Registration is done in gov.br/movebrasil and the response comes out within five business days. The debut had 12 qualified models, six from Honda and six from Yamaha, a list later expanded with Shineray and Watts. The government’s goal is to finance about 100 thousand vehicles.

It is worth a warning that circulated little: the Ministry of Planning identified concessionaires charging a fee to open the registration in the program. The National Monetary Council expressly prohibited the practice. Whoever is charged should look for another store.

What already exists for the other categories

The motorcycle is the most recent piece of a larger board. Move Brasil Taxi and Apps, launched in May and in operation since June 19, reserves up to R$ 30 billion for new cars, with the same monthly rates, a term of 72 months and a grace period of six. Before them came the lines for trucks and buses and for agricultural machinery. Taxi drivers and app drivers also entered the FGI-PEAC, a BNDES fund that covers up to 80% of the credit risk of operations.