Desenrola Brazil: Final deadline approaches to renegotiate debts

The final deadline to renegotiate debts through the New Desenrola Brazil program is fast approaching, ending next Monday, August 31, with no extension planned. The urgency of the closure explains the surge in searches for information about the federal debt‑renegotiation initiative.

Who can participate in the program

New Desenrola Brazil is aimed at individuals with a monthly income of up to five minimum wages, which corresponds to R$ 8,105. Eligible debts were contracted up to January 31, 2026, and must be overdue between 91 days and two years. By the last week of August, the program had already renegotiated about 5.03 million debts. The original debt amount was R$ 26.33 billion and, after the agreements, the final balance stood at R$ 5.27 billion, representing an average reduction of 80%.

What kinds of debts can be renegotiated

Negotiable operations include credit‑card revolving balances, overdraft (special check), unsecured personal credit, and consolidation loans. Bank participation in the program is voluntary, and the creditor checks the Central Bank’s Credit Information System (SCR) to validate the consumer and the debt. Even if the consumer meets all criteria, the negotiation only occurs if the participating bank authorizes the operation.

Renegotiation conditions and discounts

Discounts vary according to the credit line and the length of delinquency. For revolving credit and overdraft, the discount starts at 40% for delays of 91 to 120 days and can reach 90% for debts aged one to two years. For direct‑to‑consumer credit, the scale ranges from 30% to 80% over the same interval, with percentages increasing by tranche—45%, 50%, 55%, 70% and 85%.

The renegotiation is carried out through a new credit operation with fixed terms: maximum interest of 1.99% per month, term of up to 48 months, minimum installment of R$ 50, and a limit of R$ 15,000 per beneficiary at each bank. The first installment is due within 35 days, and the transaction is covered by the Operations Guarantee Fund (FGO).

How enrollment works and using FGTS

There is no single government platform to formalize the agreement. The consumer must approach directly the bank where the debt is registered, using the channels offered by the institution such as app, internet banking, branch, phone or WhatsApp. Participating banks include Caixa, Banco do Brasil, Itaú, Bradesco, Santander and Nubank.

The program also allows the use of FGTS resources to amortize or pay off the renegotiated debt, prioritizing inactive accounts. The released amount is the greater of R$ 1,000 or 20% of the available balance. The worker authorizes the transfer via the FGTS app, and Caixa transfers the amount to the bank within 30 days after formalization. The removal of the consumer’s name from delinquency registries occurs after the first installment of the new loan is paid, provided the consumer complies with the contract.

Pay attention to details before closing the deal

Even consumers who are not delinquent can benefit from Desenrola Adimplente, a modality that allows swapping expensive loans for cheaper operations before any delay occurs. The program also has specific rules for students with Fies debts, rural producers, and micro‑ and small‑businesses. It is essential that the consumer compares rates, installments and total cost before signing any agreement, as the consequences of a new default are entirely the consumer’s responsibility. The government has not announced any plans to extend the program beyond this termination date.

With information from ISTOÉ DINHEIRO, Jornal do Brasil.