App delivery workers can now apply for financing motorcycles, scooters, mopeds and electric bicycles through the Move Brasil program. The federal government’s initiative officially came into effect for the category last Monday (27), offering facilitated credit conditions for professionals who wish to renew their fleet with new vehicles produced in Brazil.
The program’s main objective is to serve delivery cyclists, motoapps, motorcycle taxi drivers and motorcycle couriers, who will be able to purchase newer, more efficient and, in some cases, electric vehicles.
Financing lines are now offered by banks and accredited financial institutions, such as Caixa Econômica Federal and Banco do Brasil.
To apply for credit, the worker must be previously registered in the program through the Gov.br account and have received confirmation of eligibility, issued within five business days. After that, just look for one of the participating financial institutions for credit analysis.
The financing only includes vehicles produced in Brazil from 2024 and approved by the program. The approved amount is released directly to the vehicle supplier, and not to the worker. As in any credit operation, contracting depends on the approval of the financial institution.
Interest below 1% per month
Among the main attractions of Move Brasil are the financing conditions. The program offers rates of 0.99% per month for men and 0.91% per month for women, in addition to a 60-day grace period for the start of payment of installments.
The maximum financing term is 48 months. When the program was announced by the federal government, it was also informed that each worker will be able to finance up to R$ 20 thousand for the purchase of a new vehicle.
Another differential is the use of the Operations Guarantee Fund (FGO), which works as a partial guarantee for banks. In case of default, the fund covers part of the financial institution’s loss, reducing the risk of the operation and allowing the offer of lower interest rates.
Who can participate
The program is aimed exclusively at workers on digital delivery platforms. To be considered eligible, the professional must prove performance in the activity and meet the criteria established by the government.
Among them are the exercise of the activity for at least six months and the fulfillment of a minimum number of deliveries in the period. After validating this information, the worker can apply for financing from accredited banks.
Check out the motorcycles covered by the program
In this first phase, Move Brasil includes 14 national models/versions, including motorcycles, scooters and electric models, manufactured by Honda, Yamaha and Vammo.
Highlight: models reflect the reality of delivery workers
The list was composed of low and medium displacement motorcycles widely used in the daily work of deliveries. Models such as Honda CG 160 Fan, CG 160 Cargo, Honda Bros 160, Yamaha Factor 150, FZ15 and Crosser 150 are among the most popular vehicles in the segment, known for their low maintenance cost and reduced fuel consumption.
In addition to combustion models, the program also includes electric options, such as Yamaha Neo’s and Vmoto Comfort 4 kW, reinforcing the incentive for electrification of the fleet used by delivery workers.
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