Mortgage solutions ⌵

New Credit

Make your dream home a reality with advantageous conditions.

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Young Housing Credit 100%

100% financing for those up to 35 years old.

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Renovation Credit

Financing for renovations and improvements to your home.

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Construction Credit

Bring your home project to life with financing tailored to you.

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Mortgage refinancing

Switch your home loan and save on your monthly payments.

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Consolidated Credit

Personal Credit ⌵

New Credit

Finance your new projects without complications.

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Consolidated Credit

Make your dream home a reality with advantageous conditions.

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Auto Credit

Finance your new car with competitive rates.

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Insurance ⌵

Credit life insurance

Protect your home loan in case of the unexpected.

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Life insurance

Protect those you love most with insurance tailored to your needs.

Multi-risk insurance

Comprehensively protect your home and all your belongings.

Health insurance

Guaranteed medical care for you and your family.

Personal accident insurance

Guarantee financial support in case of an accident.

PoupAcademy

About us

Contact

Simulators

Consolidated Credit

PoupAcademy

About us

Contact

Credit intermediary no. 0006860

Talk to an agent

+351 211 453 334

Monday to Friday, from 9am to 7pm.

Talk to an agent

Monday to Friday, from 9am to 7pm.

Personal Credit

Auto

Auto credit: Less waiting, more wind in your hair

You only need to worry about choosing the car - we handle the rest.

Whether you're thinking of a new or used car - don't worry! No need to run around banks or compare offers alone. We handle that for you.

Simulate credit now

Auto credit: Less waiting, more wind in your hair

Partnerships

Want to buy a car without straining your budget?

Find a flexible credit tailored to your needs. Simulate and discover.

Simulator

Auto Credit

Ilustração de duas personagens animadas a explorar soluções financeiras, junto ao simulador de crédito habitação.

Why simulate your auto credit with us?

— Save more by saving here

Save time!

We compare the best proposals from 30 banks and partners to save you money and, of course, time.

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Save effort!

An exclusive manager handles the entire process for you, without complications.

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Save money!

We negotiate the best rates, ensuring an instalment adjusted to your budget.

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Save anxiety!

We guarantee total transparency, with no costs or surprises in the process.

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Simulate

Reviews

What our clients say

5.0

rui ribeiro

29 January 2026

For personal and financial reasons, I turned to Poupança ao Minuto. My experience was one of complete help at every stage with immense dedication. The humanism shown to me was as if I were family. Whenever something was needed, I was guided precisely in obtaining the documentation. The professionalism of Dr. Joana Cândido is worthy of praise. I recommend Poupança ao Minuto to anyone looking for quick results. With all the affection in my heart, my sincere thanks to Dr. Joana Cândido for every step she took in my process. Rui Ribeiro

R&R Party

30 June 2026

We'd like to express our deepest gratitude to the outstanding professional Cátia Baleizão. We highly recommend her! The process was always handled with the utmost professionalism, seeking the best possible conditions for the client! We even had the pleasure of meeting Cátia on the day of the signing. If we need this type of service again, we will certainly speak with Cátia again. Thank you very much and best wishes both personally and professionally ✨

Tony Santos

29 June 2026

I am writing to express my sincere praise for Ms. Joana Cândido's prompt response to my request; everything was ready in just 48 hours. Ms. Joana has no idea how much she saved me during this difficult time in my life. With one of my daughters hospitalized and me lacking resources, Ms. Joana was a small light in my darkness. I can never thank her enough for her dedication to my case. Thank you very much, Ms. Joana Cândido.

henrique gonçalves

25 June 2026

I want to express my deepest gratitude to the Poupança no Minuto team for the professionalism and availability shown throughout the entire process. Director João Lemos demonstrated extraordinary commitment, always attentive to defending my interests with persistence and always presenting the best possible solution. His financial and banking experience, seriousness, and leadership skills made all the difference. I recommend Poupança no Minuto without any reservation. An excellent service, provided by people who truly understand what it's like to be on the ground.

Need for financing

A Teresa precisava de um carro novo para o trabalho e para a sua vida pessoal, mas não tinha o valor necessário para comprar de imediato.

High cost to open the business

O carro dos seus sonhos custava 15.000€, um valor que a Teresa não podia pagar à vista sem prejudicar as suas finanças pessoais.

Solution with personal credit

Encontrámos um crédito auto à medida da Teresa, com condições ajustadas à sua realidade, permitindo-lhe comprar o carro de forma rápida e tranquila.

Transformation and success

Hoje, a Teresa já está a desfrutar do seu carro novo, facilitando o seu dia a dia e melhorando a sua mobilidade.

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about car credit

Personal auto credit is a type of financing intended for the purchase of new or used vehicles. It allows you to obtain the necessary amount to acquire a car, which is then repaid in fixed monthly installments over an agreed term with the financial institution.

The main advantages of auto credit include: Flexibility: You can finance new or used cars. Extended terms: Ability to adjust the payment term to your financial capabilities, generally up to 7 years. Fixed interest rates: You always know the amount of your monthly payment, without surprises. Quick access to financing: The approval process is generally simple and fast, allowing you to purchase the car you want without delays.

Personal auto credit works like a traditional loan. The financial institution grants you the amount needed to purchase the vehicle and, in return, you commit to paying fixed monthly installments until the end of the agreed term. Depending on the offer, the car may serve as collateral for the credit.

The maximum amount you can request depends on the financial institution and your repayment capacity. In general, you can apply for amounts between €5,000 and €75,000, depending on the value of the vehicle and your financial situation.

Yes, auto credit can be used for both new and used car purchases. The conditions may vary slightly, with payment terms for used cars typically being shorter and interest rates slightly higher.

The documents normally required are: Identification document (Citizen Card or Passport); Proof of income (last tax return and pay slips); Bank of Portugal Credit Responsibility Map; Pro-forma invoice or vehicle sale proposal; Proof of supplier's bank account (if applicable).

The main costs include: Annual Effective Global Rate (TAEG), which reflects all costs associated with the credit, including interest and commissions; Application fees and, in some cases, vehicle appraisal expenses; Any mandatory insurance, such as life insurance or car insurance, depending on the financial institution.

Yes, you can renegotiate the terms of your auto credit with the financial institution. It is possible to request a review of the payment term or even transfer the credit to another institution with better conditions.

New Credit

Young Housing Credit 100%

Renovation Credit

Construction Credit

Mortgage refinancing

New Credit

Consolidated Credit

Auto Credit

Credit life insurance

Life insurance

Multi-risk insurance

Health insurance

Personal accident insurance

Auto credit: Less waiting, more wind in your hair

You only need to worry about choosing the car - we handle the rest.

Want to buy a car without straining your budget?

Save time!

Save effort!

Save money!

Save anxiety!

Less obstacles, more kilometres driven.

What our clients say

How we helped Teresa buy the car of her dreams with auto credit

Need for financing

High cost to open the business

Solution with personal credit

Transformation and success

All this, at no cost

Frequently asked questions about car credit

What is personal auto credit?

What are the advantages of a car loan?

How does personal auto credit work?

What is the maximum amount I can request?

Can I finance a used car with auto credit?

What documents are required to apply for auto credit?

What are the costs associated with auto credit?

Can I renegotiate my auto credit?