Personal Loan
Transform your projects
Why choose Maxfinance?
At Maxfinance, we understand that your financial needs are unique and that's why we can offer you personalised solutions tailored to you and your specific needs.
Find the best personal loan solution for you!
Due to the partnerships we have with the main Portuguese financial institutions, you will have access to a variety of credit options with highly competitive conditions.
Simulate here
Your dreams deserve to come true!
Whether it's that trip of a lifetime, home renovation or any special project, we're here to make it happen. After all, at Maxfinance, magic happens when we believe in your projects!
Simulate hereFAQ
What is a personal loan?
A personal loan is financing without a specific allocation, used for different purposes such as home improvements, health, education, travel, equipment purchase or other personal projects. It is generally processed more quickly than a mortgage loan and does not require property collateral.
Can I repay a personal loan early?
Yes. A personal loan can be settled before the defined term, although early repayment fees may apply. Maxfinance informs you about the specific conditions of each proposal before any agreement is signed.
How long does personal loan approval take?
In many cases, personal loan approval can happen within a few days after the required documentation is submitted. Some banks offer approval in less than 24 to 48 hours for profiles with a good financial assessment.
Can I repay a personal loan early?
Yes. A personal loan can be settled before the defined term, although early repayment fees may apply. Maxfinance informs you about the specific conditions of each proposal before any agreement is signed.
Does a personal loan affect the debt-to-income ratio?
Yes. The monthly instalments of a personal loan are included in the calculation of the debt-to-income ratio analysed by banks. This may affect future applications for mortgage loans or other financing. It is important to manage existing loans consciously.
What documents are needed to apply for a personal loan?
The documents usually requested are: identification document (Citizen Card), tax number, proof of income (latest salary slips), and bank details (NIB/IBAN). Depending on the amount and the bank, additional documentation may be required.
Related articles
From practical tips to expert advice, we have everything you need to make informed decisions and achieve your goals.
Faça um check-up médico, mas pela sua saúde faça um check-up financeiro
Tal como faz análises, consultas de rotina ou exames médicos para garantir que está tudo bem com a sua saúde, também as suas finanças merecem atenção regular.
Quero pedir um crédito habitação, mas será que já não tenho idade?
Comprar casa continua a ser um dos maiores objetivos de vida para muitos portugueses.
Como renegociar o seu spread com o banco?
Num contexto em que as taxas de juro continuam a influenciar fortemente a prestação da casa, cada vez mais portugueses estão a procurar soluções para reduzir encargos com o crédito à habitação.
Other simulations
Good financial health is crucial to achieve full happiness. Always know what you can count on with our simulators.
Housing Credit Simulator
Are you ready to turn your dream into reality? Simulate your mortgage and start drawing up the details of your new house!
FINANCIAL CHECKUP
Get a detailed analysis of your financial situation and unlock savings opportunities, optimise your resources and take control of your finances.
RPTT AND STAMP DUTY SIMULATOR
The RPTT and Stamp Duty Simulator helps people to accurately calculate their financial expenses, including taxes, when buying property and carrying out various transactions.
CITY REAL PROPERTY TAX SIMULATOR
City Real Property Tax can be a worry, but it doesn't have to be a mystery. With our City Real Property Tax simulator, easily calculate the amount you'll have to pay and plan your finances in advance.
Talk with us!
A Credit Intermediary near you!