Personal Loan

A loan that is personal but works for everyone.

It may sound like a contradiction, but it isn’t. A loan that’s tailored to each individual goal and project, yet adapts to everyone.

Personal Health Education Energy Transition Car

Planned or unexpected expenses? Give them the care they need.

This health loan can be used for medical consultations, tests, treatments, or any other medical expenses that may arise.
Simulate

A loan tailored to your health needs.

For different situations, different amounts.

Banco Montepio’s health loan can range from 2,000 euros to 75,000 euros, with a maximum repayment term of up to 96 months.

 

APR from 8.1%.

 

Check our financing examples

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Personal Loan Contest

Don’t spread it, own it.

By taking out a Personal Loan, you’ll have the chance to win a Renault 4 E‑Tech Electric.
Learn more

How to enter.

Just take out a Personal Loan through Banco Montepio between March 31 and May 18, 2026.
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Loan insurance.

In unforeseen situations, stay protected.

You shouldn’t take risks with your health. That’s why the best thing is to ensure full protection against unforeseen events.
Learn about Insurance for Your Loan

Health insurance

Protect yourself and your loved ones.

It can include the whole family.

Everyone will have access to more than 32,000 healthcare providers, with medical consultations, tests, treatments, surgeries, and emergency care at reduced prices.

Learn about Health Insurance

Got questions? We’ve got the answers.

What is the Health Loan?

It is financing for health-related expenses, such as surgeries, dental treatments, medical tests, and more.

 

For this purpose, Banco Montepio acts in the capacity of the Lender.

What types of medical expenses are included?
Health Loan coverage includes surgeries, medical procedures, dental treatments and devices, orthopedics, physiotherapy, exams, and long-term treatments.
Can this loan be used for expenses of direct family members?
No, those expenses cannot be considered when applying for a Health Loan.
What amounts and terms can I request?

You can apply for a Health Loan between €2,000 and €75,000, with a term ranging from 36 to 96 months, allowing you to adjust the monthly payment to your budget.

 

APR from 8.1%.

 

Check our financing examples.

Is it necessary to provide invoices or medical proof for approval?
Yes, you must present the medical treatment plan or estimate in order to apply for the Health Loan.
What are the advantages of a Health Loan compared to a traditional Personal Loan?
The rate is also fixed, but it is lower.
Can the costs be financed?
Yes, the expenses associated with signing the contract (insurance, fees, taxes) can be included in the Health Loan amount.
Is insurance required?
Yes, life insurance is mandatory for the Health Loan and can be included in the financing.
Where can I get the life insurance?
You can take out the life insurance for the Health Loan with Lusitania Vida or with another insurer of your choice, as long as the insurance contract provides a level of coverage equivalent to the one proposed by the lender (the Bank).
What guarantees are accepted?
The guarantees accepted for the Health Loan are a guarantor, surety, or the pledge of deposits or financial investments.
Can I only request the loan at a Branch?
You can start the process online. The simulation is digital, but the final application for your Health Loan must be completed at the Branch.
How long does the approval and funding availability take?
If approved, your Health Loan will be made available within up to 5 business days.
Are there any associated fees?
Yes. The fees associated with the Health Loan are outlined in the current price list.
Can I repay my loan early?
You can repay your Health Loan before the end of the term, with a fee of 0.25% applied to the amount repaid early (≤1 year) or 0.5% (>1 year).
What is an APR?
APR stands for “Annual Percentage Rate”. This value represents the total cost of the loan, which includes the Nominal Annual Rate (NAR) and all fees and charges associated with the Health Loan.
What is the MTIC?
MTIC stands for “Total Amount Charged to the Consumer”. This value represents the total amount the customer will pay, which includes the borrowed amount (principal), interest, bank fees, taxes, and mandatory insurance associated with the Health Loan.

Because your health can’t wait.

Simulate online and discover the solution that suits you best.
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Useful links.