# Personal Loans in Portugal (2026)

> How to get a personal loan in Portugal: best rates, eligibility, documents, TAEG, and tips to avoid over-borrowing.

By Jules de Bruin · URL: https://www.how-to-portugal.com/finance/personal-loans

Updated August 2026. Personal loans in Portugal are usually fixed-term instalment credit with TAEG from about 6% to 14%. You can apply online or at your bank. Lenders check your CRC record, income, and debt-to-income ratio. Only borrow what you can repay comfortably.

## How Do Personal Loans Work?

You receive a lump sum and repay in fixed monthly instalments over 12 to 84 months. Interest is included in the TAEG. Early repayment may carry a fee.

## What Are the Rates and Terms?

| Lender | TAEG from?TAEG fromThe lender's advertised floor for the all-in yearly cost (TAEG). Your personal rate is set after credit scoring and is usually higher. | TAN from?TAN fromThe advertised floor for the bare interest rate (TAN), before fees and insurance. Compare loans on TAEG, not this. | Amount (EUR) | Term |
| --- | --- | --- | --- | --- |
| [Cetelem](https://www.cetelem.pt) | 9.8% | 8.45% | 1,000-75,000 | 12-84 months |
| [Banco CTT](https://www.ctt.pt) | 9.8% | n/a | 1,000-50,000 | 12-84 months |
| [Cofidis](https://www.cofidis.pt) | 9.9% | n/a | 5,000-75,000 | 24-84 months |
| [Younited Credit](https://www.younited-credit.com/pt) | 10% | 7.494% | 1,000-50,000 | 6-84 months |
| [Banco Credibom](https://www.credibom.pt) | 10.05% | n/a | 2,500-75,000 | 12-84 months |
| [UNIBANCO](https://www.unibanco.pt) | 10.3% | n/a | 1,000-75,000 | 12-84 months |
| [Oney Bank](https://www.oney.pt) | 10.4% | n/a | 1,000-50,000 | 12-84 months |
| [ActivoBank](https://www.activobank.pt) | 11% | n/a | 1,000-75,000 | 12-84 months |
| [Caixa Geral de Depósitos](https://www.cgd.pt) | 11.1% | n/a | 1,000-75,000 | 12-84 months |
| [Millennium BCP](https://ind.millenniumbcp.pt) | 11.2% | n/a | 1,000-75,000 | 12-84 months |
| [Novo Banco](https://www.novobanco.pt) | 11.8% | n/a | 1,000-75,000 | 12-84 months |
| [Santander Portugal](https://www.santander.pt) | 13.2% | 9% | 1,000-75,000 | 12-84 months |
| [Banco BPI](https://www.bancobpi.pt) | 13.3% | n/a | 1,500-75,000 | 12-84 months |
| [Bankinter Portugal](https://www.bankinter.pt) | 15.5% | n/a | 3,000-75,000 | 12-84 months |
Advertised floors, May to August 2026; the final rate is personalised after credit scoring. Usury cap Q3 2026: 15.3% general, 8.9% education, health and energy.

Advertised TAEG floors run from **9.8%** (**Cetelem**, **Banco CTT**) to about **15.5%** (**Bankinter** standard pricing), against a Banco de Portugal usury cap of **15.3%** for general personal credit in Q3 2026. Terms run from 1 to 7 years; 84 months is the regulatory maximum.

## How to Apply

Compare TAEG online, gather your NIF, ID, proof of income, and bank statements, then apply with the lender offering the lowest total cost.

## Related Guides

[### Loans Overview.](/finance/loans)[### Loans Price Research Rate table.](/finance/loans-price-research)[### Credit Cards Revolving credit.](/finance/credit-cards)[### Mortgages Property loans.](/finance/mortgages)

## Frequently Asked Questions

### Can I get a personal loan without a Portuguese bank account?

Most lenders require a Portuguese IBAN. Some fintech lenders may be more flexible but rates can be higher.

### What is the maximum personal loan amount?

It depends on income and lender policy. Many banks cap unsecured personal loans around EUR 50,000 to EUR 75,000.

### Does a personal loan affect my mortgage?

Yes. Existing monthly payments reduce your disposable income and therefore your mortgage capacity.

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Source: https://www.how-to-portugal.com/finance/personal-loans
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