Crédito Pessoal - Personal loan
An unexpected expense? There is a Personal Loan to help solve it.
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Other personal loans up to €75,000
Amount
€5,000 to €75,000
Term
6 to 84 months
We have other personal loans up to €75,000 solution you are looking for.
Quote amounts
Run a quote and find the solution that suits you, from €15,000 to €75,000, with terms from 6 to 84 months.
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Approval within 24 business hours. You can have the money in your account within 48 hours.
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Como contratar um crédito?
A personal loan is intended to finance the purchase of goods and services, such as home equipment or education and health services. It can also be taken out without a specific purpose.
It is a credit agreement in which the amount, term and repayment method are defined from the start.
Before entering into a consumer credit agreement, the customer should assess the impact of the monthly repayment on the household budget and compare different credit options.
It is important that the customer provides truthful and complete information to the financial institution and clearly states the purpose of the credit they want to take out. The different types of consumer credit have different features and associated costs.
Before taking out credit, you have the right to receive clear and complete information about all the loan conditions so that you can properly compare different offers and make an informed decision. The interest rates and charges of different proposals should be compared on the basis of the Annual Percentage Rate of Charge.
You need the following documents.
• Citizen Card, or Identity Card plus Tax Card
• Proof of income. Employees. Latest tax return plus latest payslip or last 3 payslips. Self-employed workers. Tax return. Retired or pensioners. Tax return and Social Security proof
• Quotation, only if the purpose is home improvements
• Pro forma invoice or sales proposal, for linked credit
• Supplier IBAN proof, for linked credit
Yes. novobanco offers the option to finance the initial charges associated with Personal Loan or Car Loan, allowing you to have the full amount available for the purpose you contracted.
Yes, up to a maximum of €15,000, provided you are a novobanco customer and have access to novobanco Online. The whole process is completed online and, if approved, there is no need to visit your branch.
Credit Protection Insurance is optional and, if you subscribe, you may benefit from:
• Full repayment of the credit in case of death or total and permanent disability
• Payment of instalments in case of temporary disability
• Payment of instalments for a maximum of 6 months in case of involuntary unemployment
• Payment of instalments for a maximum of 6 months in case of salary arrears
• The insurance premium is financed and spread across the instalments, making the repayment effort lighter
Other consumer credit purposes
Apply In Branch | up to €75,000
Apply here for Other personal loans up to €75,000.
LEGAL INFORMATION
Minimum rate in force for contracts entered into in the 2nd quarter of 2026. Subject to commercial approval. This does not replace consultation of the legally required pre-contractual and contractual information.
The information provided in this simulation is for information purposes only and does not constitute a credit proposal.
TAN. Annual Nominal Interest Rate applied on an annual basis to the credit amount, excluding other charges or taxes.
TAEG. Annual Percentage Rate of Charge, the rate that reflects the total cost of the credit. It includes charges such as commissions, expenses and taxes related to the credit.
MTIC. Total Amount Payable by the Consumer. This is the sum of the total cost of the credit, including interest, commissions, expenses, taxes and charges, plus the total amount of credit granted.
Product marketed by NOVO BANCO, S.A., with registered office at Campus do novobanco, Av. Dr. Mário Soares, Taguspark, Building 1, 2740-119 Porto Salvo, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões as an Insurance Agent under number 419506141 since 21.01.2019. Authorised to market Life and Non-life insurance from insurers GamaLife, Mudum Seguros, Generali Seguros S.A., Europ Assistance, GNB Fundos de Pensões and Coface. Without powers of representation of insurers for entering into insurance contracts. Without powers to receive insurance premiums and does not assume risk coverage. All information about the Insurance Agent can be consulted on the ASF website.
Contracts entered into by GamaLife - Companhia de Seguros de Vida, S.A., Rua Castilho, nº 26, 4th floor, 1250-069 Lisbon, Apartado 24048, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, Share Capital €50,000,000, Company and registration number 503 024 856, registered with the Lisbon Commercial Registry.
This message does not replace the consultation of the legally required pre-contractual and contractual information.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal
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