0,00€
Prestação mensal indicativa de 0,00€ para um crédito a 0 anos. Não inclui seguros, taxas e despesas eventualmente aplicáveis.
Give your home a new life
Health expenses, equipment purchases…
Invest in your future
A personal loan is a loan granted by a bank or financial institution that can be used to finance personal projects, goods or services. The conditions, including the term, interest rate and monthly payment amount, depend on the offer contracted.
Prestação mensal indicativa de 0,00€ para um crédito a 0 anos. Não inclui seguros, taxas e despesas eventualmente aplicáveis.
Our team of professionals is available to help you find a credit solution tailored to your profile.
Tell us how much you need.
Review the options we present and decide!
Receive a response within 48 hours.
The funds are deposited into your account.
Understand the terms that affect your personal loan.
Total amount to be paid by the end of the contract, including all consolidated debts.
Before taking out a personal loan, consider the reason for your request and whether financing is truly necessary. Whenever possible, compare the cost of the loan with other alternatives.
Only request the amount you truly need and choose a term that allows you to pay the installments comfortably. A longer term reduces the monthly payment but increases the total cost of the loan.
Make sure the new monthly payment is compatible with your monthly budget. When assessing creditworthiness, Banco de Portugal establishes that, as a general rule, total monthly loan repayments should not exceed 45% of net monthly income.
Terms such as interest rates, fees, and insurance vary between institutions. Request simulations and always compare the APR (TAEG), which reflects the total cost of the loan.
The APR (Annual Percentage Rate) (TAEG) shows the total cost of the loan as an annual percentage. The MTIC (Total Amount Payable by the Consumer) indicates the total amount you will pay by the end of the contract, including interest, fees, and other charges.
Review the opening, processing, early repayment, and late-payment penalty fees. These amounts can significantly impact the final cost of the loan.
Personal loans may have a fixed rate (the installment remains the same throughout the contract) or a variable rate (it may rise or fall depending on the market). Make sure you know which one applies to your contract and the associated risks.
Some institutions require life insurance or credit protection insurance. Confirm whether they are mandatory and whether you are free to contract them with another insurer.
Before signing, review the FIN provided by the institution. This document contains all the loan conditions and allows you to compare offers transparently.
