Personal Loan: Find the right solution for you in Portugal
At Unicâmbio, we help you achieve your goals with a transparent, accessible personal loan tailored to your needs — through a simple and secure process.
At Unicâmbio, we help you achieve your goals with a transparent, accessible personal loan tailored to your needs — through a simple and secure process.
Example for personal loan contract for other purposes. Valid until 31/12/2025; amounts shown are non-binding thereafter. Term: 60 months. Financed amount: €5,000. Fixed rate. APR: 15.3%. Nominal annual rate (NAR): 13%. Total Amount Charged to the Consumer (TCC): €6,994.00. Stamp duty of €88.00 included. Proposal subject to approval. The conditions presented are a mere simulation. Does not replace consultation of the legally required pre-contractual and contractual information. For more information, please contact BBVA Instituição Financeira de Crédito SA. Unicâmbio – Instituição de Pagamento SA, registered with the Bank of Portugal under code IF824, acts as a credit intermediary, without exclusivity and without powers of representation, of the lender BBVA Instituição Financeira de Crédito SA, registered with the Bank of Portugal under code IF800. Minimum contract term: 24 months.
Find out why we’re the right choice.
Partnership with BBVA Consumer Finance personal loan in collaboration with a credit institution registered with the Bank of Portugal, ensuring total security and reliability.
No opening fee and no need to change banks keep your current account and avoid additional costs at the start of the contract.
Conditions tailored to your profile and purpose personalised solutions with flexible terms and amounts adapted to your needs.
Over 80 branches available across the country in-person support with personalised service and guidance at every stage of the process.
We offer a personal loan service with a fast response and clear conditions, guiding the customer through the entire process — from the initial simulation to the formalisation of the contract.
Before applying for a personal loan, assess your repayment capacity and the impact of the monthly instalment on your budget.
We recommend running a simulation beforehand to make an informed and responsible decision.
To proceed with a loan application, the following documents are typically required:
• A valid identification document
• Pay slips and income tax return
• Proof of current address
• Proof of IBAN
In some cases, proof of the loan’s purpose may also be requested.
Unicâmbio is a Payment Institution, registered with the Bank of Portugal under code IF824, acting as a credit intermediary, on a non-exclusive basis and without representative powers, for the lender BBVA Instituição Financeira de Crédito, S.A., registered with the Bank of Portugal under no. 0800.
Loan approval is subject to analysis and decision by the lending institution.
Flexible solutions for different moments in your life.
Home
Finance renovations, refurbishments, or home furnishings.
Education
Support courses, training, or specialisations.
Holidays
Travel with peace of mind and pay in instalments.
Financial reorganisation
Consolidate loans and simplify your financial commitments.
Other purposes
Technology, vehicles, events or personal expenses.
Quick process with the possibility of a response on the same business day.
No unnecessary bureaucracy. Unicâmbio supports you at every step.
Receive a proposal right after the simulation, subject to validation.
Unicâmbio’s partnership make it possible to find solutions for different profiles.
BBVA Consumer Finance offers straightforward conditions, with no initial costs or obligation to change your bank.
Take into account the APR (Annual Percentage Rate), the Total Amount Payable by the Consumer (MTIC), and the loan term.
The applicable rates vary depending on the amount, term, and financial situation. They are always presented clearly before the agreement is finalised.
Get a free, no-obligation simulation at a branch.
Whether you’re a young person starting your academic or professional journey, a self-employed worker, a retiree, or someone who has recently arrived in Portugal, Unicâmbio’s Personal Loan is designed to meet your needs.
We assess each case individually, offering solutions that reflect your reality, with the support of an experienced team — always with clarity and responsibility.
Because everyone has a different path, but all deserve the same opportunities.
It is a financing agreement in which an amount is made available to the consumer and repaid in instalments with interest over an agreed period.
After the simulation and analysis of the documentation, a proposal is presented. If accepted, the contract is formalised and the amount is transferred.
Purpose-specific loan (e.g. home renovations) or general-purpose loan (for unrestricted use), with or without collateral.
At Unicâmbio branches.
You must present proof of stable income. As a rule, the loan is not granted without verified sources of income.
No. Having banking incidents or being in default prevents loan approval, in accordance with current legislation.
Unicâmbio has been by your side for over 30 years, now also offering personal loan solutions.
Located throughout the country, providing in-person support and personalised assistance.
On the Unicâmbio blog, you can find useful content about personal finance management, credit decisions, and how to compare financing offers wisely.