Compare Personal Loans in Portugal

Live offers across tracked providers in Portugal — updated daily from the Giraffy database.

Live offers

27 live offers compared from 13 providers, from 6.40% TAE. Updated daily.

BEST Empréstimo PT Banco BEST

6.40% TAE

  • Taxa de juro: 6,4% TAEG
  • Valor do empréstimo: €1.000 – €40.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Tarifa online mais baixa

Empréstimo Caixa Geral de Depósitos Caixa Geral de Depositos

6.50% TAE

  • Taxa de juro: 6,5% TAEG
  • Valor do empréstimo: €2.000-€75.000
  • Prazo do empréstimo: 1 a 7 anos
  • Recurso principal: CGD — Banco Central de Portugal; maior banco português em ativos

Empréstimo ActivoBank PT ActivoBank

6.50% TAE

  • Taxa de juro: 6,5% TAEG
  • Valor do empréstimo: €1.000 – €40.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Tarifa exclusiva online

Novobanco Personal+ PT Novobanco

6.70% TAE

  • Taxa de juro: 6,7% TAEG
  • Valor do empréstimo: €5 mil a €50 mil
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Consolidação disponível

Empréstimo Santander PT Santander Portugal

6.80% TAE

  • Taxa de juro: 6,8% TAEG
  • Valor do empréstimo: €1.000 – €50.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Decisão imediata

Empréstimo online CGD PT Caixa Geral de Depositos

6.80% TAE

  • Taxa de juro: 6,8% TAEG
  • Valor do empréstimo: €2 mil a €40 mil
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: 100% digital

Empréstimo Pessoal Santander Portugal Santander Portugal

6.90% TAE

  • Taxa de juro: 6,9% TAEG
  • Valor do empréstimo: €3.000 - €75.000
  • Prazo do empréstimo: 1 a 7 anos
  • Recurso principal: Santander — Grupo espanhol; foco digital; integração do cartão World 1

Empréstimo Millennium BCP PT Millennium BCP

6.90% TAE

  • Taxa de juro: 6,9% TAEG
  • Valor do empréstimo: €1.000 – €50.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Aprovação rápida

Grande Crédito Premium PT Banco BiG

6.90% TAE

  • Taxa de juro: 6,9% TAEG
  • Valor do empréstimo: € 5 mil a € 75 mil
  • Prazo do empréstimo: Até 8 anos
  • Recurso principal: Clientes Premium

Empréstimo pessoal Novobanco Novobanco

7% TAE

  • Taxa de juro: 7,0% TAEG
  • Valor do empréstimo: €2.000-€75.000
  • Prazo do empréstimo: 1 a 7 anos
  • Recurso principal: Novobanco — ex-BES (pós-resolução); mais de 3 milhões de clientes

CGD Credifácil PT Caixa Geral de Depositos

7% TAE

  • Taxa de juro: 7,0% TAEG
  • Valor do empréstimo: €1.000 – €50.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Sem taxa de reembolso antecipado

Empréstimo Pessoal BBVA PT BBVA Portugal

7.10% TAE

  • Taxa de juro: 7,1% TAEG
  • Valor do empréstimo: €1.000 – €50.000
  • Prazo do empréstimo: Até 7 anos
  • Recurso principal: Decisão no mesmo dia

Empréstimo Pessoal BPI BPI

7.20% TAE

  • Taxa de juro: 7,2% TAEG
  • Valor do empréstimo: €1.000 - €75.000
  • Prazo do empréstimo: 1 a 7 anos
  • Recurso principal: BPI — Grupo CaixaBank; plataforma digital robusta

BPI Crédito Pessoal BPI

7.20% TAE

  • Taxa de juro: 7,2% TAEG
  • Valor do empréstimo: €1.000 – €40.000
  • Prazo do empréstimo: Até 6 anos
  • Recurso principal: Aprovação online

Empréstimo Banco CTT PT Banco CTT

7.30% TAE

  • Taxa de juro: 7,3% TAEG
  • Valor do empréstimo: €1.000 – €30.000
  • Prazo do empréstimo: Até 6 anos
  • Recurso principal: Sem taxas ocultas

Empréstimo Pessoal Millennium BCP Millennium BCP

7.50% TAE

  • Taxa de juro: 7,5% TAEG
  • Valor do empréstimo: €3.000 - €75.000
  • Prazo do empréstimo: 1 a 7 anos
  • Recurso principal: Millennium — o segundo maior banco privado de Portugal; subsidiária digital do ActivoBank

Novobanco Crédito PT Novobanco

7.50% TAE

  • Taxa de juro: 7,5% TAEG
  • Valor do empréstimo: € 1.000 – € 35.000
  • Prazo do empréstimo: Até 6 anos
  • Recurso principal: Tarifas preferenciais

Empréstimo EuroBic PT EuroBic Portugal

7.80% TAE

  • Taxa de juro: 7,8% TAEG
  • Valor do empréstimo: €1.000 – €25.000
  • Prazo do empréstimo: Até 5 anos
  • Recurso principal: Pagamento flexível

Montepio Crédito PT Montepio

7.90% TAE

  • Taxa de juro: 7,9% TAEG
  • Valor do empréstimo: €1.000 – €30.000
  • Prazo do empréstimo: Até 5 anos
  • Recurso principal: Desconto para membros

Empréstimo Revolut PT Revolut Portugal

8.90% TAE

  • Taxa de juro: 8,9% TAEG
  • Valor do empréstimo: €1.000 – €25.000
  • Prazo do empréstimo: Até 5 anos
  • Recurso principal: Instantâneo no aplicativo

Crédito Habitação Obras Caixa Geral de Depositos

€50 /month

  • Fornecedor: Caixa Geral de Depositos

Campanha Bónus Novo Cliente Caixa Geral de Depositos

€50 /month

  • Fornecedor: Caixa Geral de Depositos

Poupança Caixa Júnior Caixa Geral de Depositos

€100 /month

  • Fornecedor: Caixa Geral de Depositos

PPR Caixa 150 Anos Caixa Geral de Depositos

€150 /mês

PPR Caixa 150 Anos da Caixa Geral de Depósitos (Crédito Pessoal) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.

  • Fornecedor: Caixa Geral de Depósitos

Crédito Auto Expresso - Novo e Usado Caixa Geral de Depositos

€150 /mês

Crédito Auto Expresso - Novo e Usado da Caixa Geral de Depósitos na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.

  • Fornecedor: Caixa Geral de Depósitos

Caixa Geral de Depositos Plan Caixa Geral de Depositos

€400 /month

  • Fornecedor: Caixa Geral de Depositos

Crédito Habitação Caixa Geral de Depositos

€400 /month

  • Fornecedor: Caixa Geral de Depositos

What are personal loans in Portugal?

A personal loan (credito pessoal) is an unsecured, fixed-term loan you repay in monthly instalments, used for car purchases, home improvements, weddings, education or consolidating debt. In Portugal you borrow a set amount at an agreed interest rate — quoted as a TAN (nominal rate) and a TAEG (annual percentage rate including fees) — over a term typically of one to seven years. Because it is unsecured, the rate is higher than a mortgage, and approval depends on your income, existing debts and credit record held in the Banco de Portugal credit database.

How the Portuguese market works

Personal loans are offered by high-street banks, digital banks and specialist consumer-credit lenders. The Banco de Portugal sets and publishes quarterly maximum TAEG ceilings by loan type and amount, capping how much lenders can charge — a distinctive feature of the Portuguese market. Lenders assess affordability using income and the central credit register (Central de Responsabilidades de Credito). Loans carry stamp duty (imposto do selo) on the credit and, for variable-rate loans, on interest. Rates depend on amount, term, purpose and borrower profile.

Benefits

Fixed repayments — predictable monthly instalments make budgeting straightforward.

No collateral — unsecured lending means you do not pledge your home or car.

Fast funding — decisions and disbursement are often quick, sometimes fully online.

Rate caps — Banco de Portugal TAEG ceilings limit how much you can be charged.

How to choose

Compare the TAEG rather than the nominal TAN, since it includes fees and reflects the true cost. Check the maturity, the total amount repayable, and any arrangement or early-repayment fees (early repayment on consumer credit is capped by law). Confirm whether a linked life or payment-protection insurance is required and how it affects the rate. Borrow only what you can comfortably repay against your income, and verify the offer sits within the Banco de Portugal maximum TAEG for that loan type.

Leading providers in Portugal

Caixa Geral de Depositos, Millennium BCP, Banco BPI, Novo Banco and Santander Portugal all offer personal loans through their branch and online channels. ActivoBank provides digital personal credit with fast online applications, Banco CTT lends through the postal network, and Banco BEST serves online customers. Specialist consumer-credit lenders also compete strongly. Because rates vary by profile and purpose, comparing the TAEG across several of these lenders is the key to finding the cheapest borrowing.

What it costs

Personal loan pricing in Portugal is expressed as a TAEG that commonly starts around 6.4% for the best profiles and rises with risk, amount and term toward the Banco de Portugal quarterly ceilings. On top of interest, expect an arrangement fee, stamp duty on the credit and on interest for variable-rate loans, and possibly linked insurance. A small early-repayment fee (capped by law) may apply. Always compare the total cost of credit (MTIC) and the monthly instalment, not just the rate.

Protections and regulation

Consumer credit is regulated by the Banco de Portugal, which sets binding maximum TAEG rates each quarter, requires responsible-lending affordability checks, and mandates standardised pre-contractual information (FIN). Borrowers have a 14-day withdrawal right and a legal right to repay early with capped fees. The central credit register records outstanding debts. Complaints can be escalated to the Banco de Portugal, and lenders must clearly disclose the TAN, TAEG and total amount repayable before you sign.

Common questions

What is the TAEG? — The annual percentage rate including fees, the figure to compare across lenders.

Is there a maximum rate? — Yes, the Banco de Portugal sets quarterly TAEG ceilings by loan type.

Can I repay early? — Yes, with a legally capped early-repayment fee.

Do I need insurance? — Some loans require or discount for linked life or payment-protection cover; check the terms.

Personal Loans in Portugal — FAQ

What is the best personal loan rate in Portugal right now?

Giraffy tracks 5 personal loan products across Banco BEST,Caixa Geral de Depositos,ActivoBank,Novobanco,Santander Portugal lenders in Portugal. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.

What factors affect my personal loan interest rate?

Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.

How much can I borrow with a personal loan?

Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.

What is the difference between a secured and an unsecured personal loan?

An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.

Can I repay a personal loan early?

Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.

How quickly can I get a personal loan?

Many lenders in Portugal offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.

What is APR and why does it matter when comparing personal loan offers?

APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.