Nearly 1.9 million Brazilians earning twenty-five hundred reals a month gain access to subsidized financing
No coração de São Paulo, o presidente Lula assinou uma medida que vai além da concessão de crédito: é um reconhecimento formal de que milhões de brasileiros constroem seu sustento sobre quatro rodas — ou duas. Ao abrir uma linha de trinta bilhões de reais para motoristas de aplicativo, taxistas e motoboys, o governo tenta reescrever as condições em que o trabalho informal encontra o sistema financeiro, apostando que veículos mais novos e mais limpos podem ser também instrumentos de dignidade econômica.
- Quase 1,9 milhão de motoristas vivem com uma média de R$2,5 mil por mês e dependem de veículos que o mercado convencional de crédito frequentemente coloca fora do seu alcance.
- A medida provisória cria urgência real: as instituições financeiras credenciadas só poderão operacionalizar os recursos a partir de 19 de junho, comprimindo o tempo entre o anúncio e o acesso efetivo.
- Mulheres motoristas ganham condições diferenciadas — juros menores, prazos mais longos e financiamento para equipamentos de segurança —, sinalizando uma tentativa de endereçar vulnerabilidades específicas dentro de um grupo já vulnerável.
- Para motoboys, a desburocratização é imediata: placas vermelhas obrigatórias, cadastros pagos, idade mínima de 21 anos e curso obrigatório de formação foram eliminados de uma vez.
- O BNDES entra como gestor dos fundos e o FGI-PEAC cobre até 80% do risco das operações, tentando convencer bancos a emprestar onde historicamente hesitavam.
O presidente Lula assinou nesta terça-feira, em São Paulo, uma medida provisória que cria uma linha de crédito de R$30 bilhões para motoristas de aplicativo e taxistas financiarem veículos novos com juros reduzidos. A iniciativa integra o programa Move Brasil e é apresentada pelo governo como uma política de inclusão produtiva para trabalhadores cujo principal instrumento de renda é o próprio carro.
Os veículos elegíveis custam até R$150 mil e devem atender a critérios de sustentabilidade — modelos flex, híbridos, elétricos ou movidos a etanol puro, desde que fabricados por montadoras certificadas pelo Programa Mover. Para se candidatar, motoristas de aplicativo precisam ter conta ativa há pelo menos doze meses e cem corridas concluídas no período; taxistas devem estar devidamente cadastrados e em atividade. As taxas de juros serão definidas pelo Conselho Monetário Nacional nos próximos dias.
Mulheres motoristas terão condições preferenciais: possibilidade de juros mais baixos, prazos maiores e financiamento para equipamentos de segurança. As inscrições são feitas pelo portal gov.br/movebrasil, com resposta de elegibilidade em até cinco dias úteis. A partir de 19 de junho, os aprovados poderão procurar instituições financeiras credenciadas para concluir o crédito, sujeito à análise bancária padrão.
A medida também simplifica radicalmente as regras para motoboys: foram extintas as exigências de placa vermelha, cadastro pago nos Detrans, idade mínima de 21 anos e curso obrigatório de formação profissional. O governo aposta que remover essas barreiras, combinado ao acesso ampliado ao crédito, pode renovar a frota de trabalho do país e melhorar as condições de vida de milhões de brasileiros que operam nas margens do sistema financeiro formal.
President Luiz Inácio Lula da Silva signed a provisional measure on Tuesday in São Paulo that opens a thirty-billion-real credit line for taxi drivers and app-based drivers to finance new vehicles at reduced interest rates. The move is part of the broader Move Brasil program, a federal initiative aimed at fleet renewal and what the government frames as productive inclusion.
The credit will cover vehicles priced up to one hundred fifty thousand reals that meet sustainability standards—flex-fuel models, hybrid flex vehicles, electric cars, or pure ethanol-powered models, provided they come from manufacturers certified under the Mover Program. Lula positioned the initiative as a way to improve working conditions for people whose vehicles are their primary income tool. Nearly 1.9 million Brazilians worked as car drivers in 2024, according to government data, earning an average monthly income of twenty-five hundred reals.
Eligibility requirements are specific. App-based drivers must have an active account for at least twelve months with a minimum of one hundred completed rides during that period. Taxi drivers need to be properly registered and currently working. The actual interest rates and financing terms will be set by the National Monetary Council in the coming days. Women drivers will receive preferential treatment, including the possibility of lower rates, longer repayment periods, and financing for additional safety equipment.
The application process runs through an official government portal at gov.br/movebrasil. After registration and data authorization, applicants will receive an eligibility decision within five business days. Those approved can approach credentialed financial institutions starting June nineteenth to finalize the credit arrangement, though final approval remains subject to standard banking analysis. The BNDES will manage the funds with support from authorized financial institutions, and both app drivers and taxi workers now qualify for the FGI-PEAC guarantee fund, which covers up to eighty percent of credit operation risk.
The provisional measure also reshapes rules for motorcycle couriers and app-based delivery workers. The government eliminated the requirement for red license plates on motorcycles used for freight, removed the paid registration requirement at state transit departments, dropped the minimum age of twenty-one for professional work, and scrapped the two-year driving license requirement. The mandatory specialized training course for motorcycle couriers no longer exists as a requirement, though it remains available as an option.
These changes reflect a broader federal strategy to stimulate vehicle renewal while promoting what officials describe as more efficient and sustainable transportation. By removing barriers for motorcycle workers and extending credit access to drivers who typically struggle to secure financing on conventional market terms, the government is attempting to reshape both the composition of Brazil's working vehicle fleet and the conditions under which millions of people earn their living.
Notable Quotes
The program seeks to guarantee better working conditions for categories that use the vehicle as their primary income tool— President Luiz Inácio Lula da Silva
The initiative aims to expand credit access for workers who normally face difficulties financing vehicles on terms offered by the traditional market— Lula, during the announcement event
The Hearth Conversation Another angle on the story
Why does a government spend thirty billion reals on this instead of, say, direct cash transfers to drivers?
Because the goal isn't just to put money in pockets—it's to move old cars off the road and put newer, cleaner ones on it. A driver with a thirty-year-old sedan burns more fuel, breaks down more often, and costs them money. A new flex-fuel or electric car is cheaper to operate. The government gets fleet renewal; the driver gets lower operating costs and better work conditions.
But what about the drivers who can't qualify? The ones without twelve months of history or a hundred rides?
That's the real question. The program is designed for people already embedded in the system. Newer drivers, informal workers, people just starting out—they're left behind. It's inclusion, but only for a certain kind of worker.
Why the special provisions for women?
Women drivers face documented barriers in accessing credit and often carry safety concerns that men don't. Lower rates and the option to finance safety equipment acknowledges that reality. Whether it's enough is another question.
The motorcycle courier changes seem almost separate from the car financing. Why bundle them?
They're part of the same logic: remove friction, make it easier for people to work in these roles, modernize the sector. But the motorcycle changes are deregulation—fewer rules, lower barriers. The car financing is subsidy. Different tools, same direction.
What happens on June nineteenth?
That's when the real test begins. Financial institutions start accepting applications from approved drivers. That's when we see whether the system actually works, whether banks move quickly, whether drivers can actually access the money.