What Is the Move Brasil Motoapp Program?

Move Brasil Entregadores e Motoapp is a federal program that offers subsidized credit — operated by Caixa Econômica Federal — so that delivery workers and motorcycle taxi drivers can buy new flex or electric motorcycles and e-bikes. The government aims to finance 100,000 units in total.

What Vehicles Qualify for the Loan?

  • Motorcycles, mopeds or cyclomotors with engines up to 160 cc, or up to 7,500 watts (electric)
  • Electric bicycles up to 1,000 watts
  • Flex fuel models only — petrol-only or hybrid bikes are excluded
  • Zero-km (brand new) vehicles only — no used vehicles
  • Must be manufactured in Brazil or have an active national production project

How Can You Boost Your Approval Chances?

1. Prove You Can Repay

Keep bills paid on time, reduce overall debt and organize your income documentation. Financial planner Henrique Soares (Planejar) recommends making a larger down payment to lower the financed amount and reduce bank risk.

2. Check Your Credit Score

Banks use the score as a key risk indicator. A clean payment history and fewer late payments translate directly into better approval odds and lower interest rates.

3. Watch Your Income Commitment Ratio

Banks typically flag applications where monthly installments consume too large a share of your income. Keep that ratio in check before applying.

4. Clear Any Pending Issues

Review your CPF status with credit bureaus such as Serasa and resolve any outstanding debts or registration errors before submitting your application.

5. Work With a Partner Bank

Because each partner bank conducts its own individual risk analysis, approaching Caixa Econômica Federal or another program partner directly improves your chances of a smooth process.

6. Make a Larger Down Payment

A bigger upfront payment reduces the loan principal, lowers monthly installments and signals financial discipline to the lender.

7. Keep Your Documents Organized

Income proof, work registration documents and up-to-date personal records are essential for a fast and successful credit analysis.

Key Facts:
  • Program: Move Brasil Entregadores e Motoapp
  • Operator: Caixa Econômica Federal
  • Interest subsidy source: FIIS (Social Infrastructure Investment Fund)
  • Guarantee fund: FGO (Operations Guarantee Fund)
  • Target: 100,000 motorcycles, mopeds or cyclomotors financed
  • Eligible vehicles: flex or electric, zero-km, Brazil-made
  • Engine limit: up to 160 cc or 7,500 W (electric bikes up to 1,000 W)