Move Brasil Launches R$30B Credit for Drivers with 1.5% Rates for Women

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Financing Terms and Gender-Based Incentives

The financial architecture of the Move Brasil program is designed to provide aggressive relief to professional drivers. According to CNN Brasil, the National Monetary Council (CMN) has capped the maximum interest rate at 2.5% per year. This is a significant move intended to lower the barrier to vehicle ownership for a workforce often reliant on expensive rentals. The program also incorporates a social equity component by offering preferential terms to women. Female taxi and app drivers can access an interest rate of 1.5% per year. Beyond lower rates, the CMN is authorized to grant women longer repayment terms and financing for additional safety equipment. The repayment structure is equally favorable, offering a maximum term of 72 months. This period includes a six-month grace period on the principal. The CMN, which oversees these economic decisions, is led by Finance Minister Dario Durigan and includes Central Bank President Gabriel Galípolo and Planning and Budget Minister Bruno Moretti.

Qualification Standards for App Drivers and Taxis

Accessing this credit is not automatic; the government has established specific professional benchmarks to ensure the funds reach active workers. As detailed by gov.br, app drivers must have an active registration on a participating platform for at least 12 months and must have completed a minimum of 100 rides on that same platform during that period. For taxi drivers, the requirements focus on formal recognition. They must be the holders of a local public authorization, permission, or concession and maintain a regular registration. While app drivers will receive eligibility confirmation directly through their respective transport platforms, taxi driver validation will be managed by the Receita Federal via the gov.br system. The administrative process aims for speed. Once a request is submitted through the official government portal, applicants can expect a response regarding their eligibility within five business days. Those approved can begin seeking financing through financial institutions starting June 19.

Vehicle Requirements and Manufacturer Response

The program does more than support drivers; it serves as a catalyst for the “low carbon technologies” required by the Mover Program. To qualify for Move Brasil financing, a vehicle must be a new model priced at a maximum of R$ 150,000. Eligible powertrains are restricted to flex-fuel, hybrid-flex, electric, or exclusively ethanol-powered engines. This price cap has forced manufacturers to adjust their entry-level strategies. For instance, O Globo reports that GWM intends to offer discounts on its Ora line to ensure its models can participate in the program. This is a critical move because the Ora 03, the manufacturer’s most affordable model, currently carries a list price of R$ 155,000, which sits above the program’s threshold.

Safety Concerns and the Motofrete Backlash

While the credit program provides a boost to car-based drivers, the broader Provisional Measure has ignited a fierce backlash from the motorcycle courier sector. The legislation removes several protections established by a 2009 law, specifically the requirement for a theoretical course and a minimum age for those performing motofrete services. The National Federation of Professional and Autonomous Motorcycle Workers has slammed the move, alleging it prioritizes the interests of digital platforms over worker safety. “Revoking protection requirements is a setback, not an improvement. The Provisional Measure serves exclusively the precarization of work in Brazil and the interests of digital intermediation platforms.”Raimundo Nonato Alves da Silva, President of the Federation, via Folha de S.Paulo The federation’s concerns are backed by sobering statistics. Data from the Ministry of Health indicates that the 18 to 24 age demographic is the most vulnerable on Brazilian roads, accounting for 18% of daily fatal motorcycle accidents. Raimundo Nonato Alves da Silva has indicated plans to challenge the measure in the Supreme Federal Court (STF) and seek its reversal in Congress. “The course of the Contran [National Traffic Council] was not bureaucracy—it was the only tool that guaranteed that this worker knew, minimally, how to do their job without dying.”Raimundo Nonato Alves da Silva, via Folha de S.Paulo The government has defended its position. The Secretariat-General of the Presidency, led by Minister Guilherme Boulos, stated that the administration is in constant dialogue with the category and maintains that the Provisional Measure actually addresses requests made by the delivery workers themselves.