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

The right credit for your dreams.

Whether it’s for a personal or family project, a purchase that can’t wait, a family trip, or an unexpected expense, you can count on a personal loan designed for you.

 

Simulate in minutes and take it out with no complications.

Simulate

A loan tailored to you, with guaranteed stability.

Get access to flexible financing, with terms ranging from 24 to 84 months and amounts from 2,500 to 75,000 euros, with a fixed rate and stable payments.

 

APR from 11.6%.

 

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.

Insurance for your loan.

Easy to protect.

Find the protection you need for your personal loan through the life insurance options we offer you.
Learn about insurance for your loan

Got questions? We’ve got the answers.

What is the Personal Loan?

It is a loan that allows you to obtain an amount to finance various everyday expenses that do not fall under the Health Loan, Education Loan, Energy Transition Loan, or Auto Loan.

 

For this purpose, Banco Montepio acts as a tied Credit Intermediary, exclusively for Montepio Crédito – Instituição Financeira de Crédito S.A., registered with the Bank of Portugal under no. 0796.

Can I use the loan for any purpose?
Yes, you can.
What amounts and terms can I request?

You can apply for a Personal Loan between €2,500 and €75,000, with a term ranging from 24 to 84 months, allowing you to adjust the monthly payment to your budget.

 

APR from 11.6%.

 

Check our financing examples.

Is the rate Fixed or Variable?
The rate is fixed, which means that the monthly payment of your Personal Loan remains the same throughout the entire contract.
Can the costs be financed?
Yes, the expenses associated with signing the contract (insurance, fees, taxes) can be included in the Personal Loan amount.
Is insurance required?
Yes, life insurance is mandatory for the Personal Loan and can be included in the financing.
Where can I get the life insurance?
You can take out the life insurance for the Personal 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?
For amounts above €12,500, a promissory note is required as a guarantee for the Personal Loan.
Can I only request the loan at a Branch?
No, you can do everything online. From the simulation to signing the Personal Loan contract, without leaving home, at www.bancomontepio.pt.
How long does the approval and funding availability take?
If approved, your Personal Loan will be made available within up to 2 business days.
Are there any associated fees?
Yes. The fees associated with the Personal Loan are outlined in the current price list.
Can I repay my loan early?
You can repay your Personal 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 Personal 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 Personal Loan.

So personal, it all comes down to you.

100% online. Simulate and apply without leaving home.
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