Crédito Pessoal - Personal Loan
Credit just a click away?
Click and it’s done.
At novobanco, applying for a personal loan online is just a click away.
Whether it’s to fulfil a long-time passion or embrace a new opportunity, with novobanco’s Personal Loan it’s click and done.
APR from 5.700% and APRC from 12.4%, for clients with salary domiciliation.
Finance your plans with the flexibility you are looking for.
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Amount
up to €25,000
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Term up to
84 months
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Fixed monthly
repayments
At novobanco, apply for your personal loan online straight away and receive a quick response. If approved, the amount will be credited to your account quickly. Make your plans happen and apply online now.
Personal loan fast and easy
Find out step by step how you can simulate and apply for your online personal loan.
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ApproveMoney in your account in a short time. Credit subject to approval
Applying for personal loan with us comes with real benefits
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Simple, fast and 100% onlineIf approved, the loan amount becomes available in your account quickly
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Rate discount and no documentationIf your salary is paid into novobanco, you benefit from a 1% discount on the nominal annual rate for loans above €5,000, and you can apply online simply, with no paperwork or bureaucracy
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Fixed rateThe same monthly repayment throughout the full term of the contract
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Option to finance the initial charges
Included in the contracted loan amount
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Credit for different purposes
With no need for supporting explanations or unnecessary bureaucracy, for example for home improvements or repairs, buying a used car, paying multiple expenses and more
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Insurance
Optional credit protection insurance with unemployment and life cover
Find the right Personal loan for each purpose
Documents required to apply for Personal Loan
For a faster review and approval, make sure you have all the required documents.
• Citizen Card
• Latest tax return
• Last 3 payslips, if you are an employee
If your salary is paid into novobanco and you apply for the online personal loan, no documentation is required.
Frequently asked questions
Como contratar um crédito?
A Crédito Pessoal - 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 loan amount, term and repayment method are defined from the outset.
It is simple and fast.
Run a quote and find the solution that suits you, from €2,000 to €75,000, with terms from 6 months to 120 months.
Start your online personal loan request or visit a branch and, if needed, request contact.
After approval, the money will reach your account quickly.
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 to provide truthful and complete information to the financial institution and clearly state the intended purpose of the credit. Different types of consumer credit have different features and associated costs.
Before taking out credit, you have the right to clear and complete information on all credit conditions so that you can properly compare different offers and make an informed decision. Interest rates and charges should be compared on the basis of the annual percentage rate of charge. This information is included in the Standardised Information Sheet for consumer credit.
The review and approval of the personal loan may take up to the next business day.
Yes. novobanco offers the option to finance the initial charges associated with the personal loan, allowing you to have the full amount available for the purpose you contracted.
Yes, as long as you are a novobanco customer and have access to novobanco Online. The full process is completed online and, if approved, there is no need to go to your branch.
Seguro de Proteção ao Crédito - 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 period of 6 months in case of involuntary unemployment
- Payment of instalments for a maximum period of 6 months in case of salary arrears
- The insurance premium is financed and spread across the instalments, making the repayment effort lighter
Personal loan
At novobanco, you will find the right monthly repayment for your plans
Car Loan
Looking to buy a car? Discover novobanco car loan options.
Personal Loan Online for customers without domiciliation of the wage:
A €18.57 monthly instalment per each €1,000 for a 72 month-loan in the amount of €7,000.00, 13.0% Annual Percentage Rate of Charge (€262.50 as Loan Documentation Charge, respective taxes and Stamp Duty on the Use of the Loan and on interests, included). The value of the commissions is published in the price list. Fixed Annual Nominal Rate: 9.700%. Monthly instalment of €129.99. A €7,000.00 Financing amount. Total amount charged to consumer: €9,755.50 Rates in force for agreements entered into in the 3rd quarter of 2026. Subject to commercial approval. This information does not exempt Customer from consulting the pre-contractual and contractual information as required by law.
Personal Loan Online for customers with domiciliation of the wage:
A €18.05 monthly instalment per each €1,000 for a 72 month-loan in the amount of €7,000.00, 11.8% Annual Percentage Rate of Charge (€262.50 as Loan Documentation Charge, respective taxes and Stamp Duty on the Use of the Loan and on interests, included). The value of the commissions is published in the price list. Fixed Annual Nominal Rate: 8.700%. Monthly instalment of €126.35. A €7,000.00 Financing amount. Total amount charged to consumer: €9,492.97. Rates in force for agreements entered into in the 3rd quarter of 2026. Subject to commercial approval. This information does not exempt Customer from consulting the pre-contractual and contractual information as required by law.
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