Mortgage solutions ⌵

New Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Young Housing Credit 100%

100% financing for those up to 35 years old.

Simulate now →

Renovation Credit

Financing for renovations and improvements to your home.

Simulate now →

Construction Credit

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

Simulate now →

Mortgage refinancing

Switch your home loan and save on your monthly payments.

Simulate now →

Consolidated Credit

Personal Credit ⌵

New Credit

Finance your new projects without complications.

Simulate now →

Consolidated Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Auto Credit

Finance your new car with competitive rates.

Simulate now →

Insurance ⌵

Credit life insurance

Protect your home loan in case of the unexpected.

Simulate now →

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

Consolidated

Consolidated Credit: Less bills on your mind, more head in the clouds

If you have multiple credits weighing on your budget, it's time to save.

Consolidate all your credits into one single instalment and save every month - without stress, without surprises.

Simulate credit now

@lang('Casal relaxado deitado no chão entre cães de estimação, transmitindo tranquilidade e alívio após consolidar os seus créditos.')

Partnerships

Too many instalments weighing on your budget?

Consolidate your credits into one and reduce your monthly payment. Save time and money with a quick simulation.

Simulator

Credit Consolidation

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

Why simulate your consolidated 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.

Simular →

Save effort!

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

Simular →

Save money!

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

Simular →

Save anxiety!

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

Simular →

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

O Francisco e a Carla queriam maior controlo financeiro, especialmente, com a chegada de um novo membro na família.

High cost to open the business

O casal pagava 803,33€ por três créditos diferentes: 405€ pelo crédito automóvel, 348,33€ pelo crédito pessoal e 50€ por um cartão de crédito.

Solution with personal credit

Encontrámos a solução ideal de crédito consolidado para o casal, permitindo-lhes começar a poupar todos os meses.

Transformation and success

O casal conseguiu uma poupança de 275,31€ por mês, e 3.303,72€ por ano!

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about credit consolidation

Debt consolidation credit is a type of financing that allows you to combine multiple loans into a single monthly payment. Banks typically consolidate different types of credit, such as home loans, consumer credit and credit cards. For example, if you have a mortgage, a car loan and a credit card, you can consolidate them all into one contract.

If the consolidation includes only consumer credits, the maximum term offered by banks is generally 7 years, with higher interest rates. However, if you have a property to use as collateral, i.e. if you include a home loan in the consolidation, the repayment term can be longer.

The main purpose of consolidating credits is to simplify payment by combining multiple installments into one, which can reduce the monthly amount paid. However, the loan term may be extended. Consolidated credit can be an effective solution for those who have difficulty meeting monthly payments on multiple credits.

The main advantages include: Reduced risk of default: With a single payment, it is easier to manage finances and avoid missed payments. Lower monthly payment: By consolidating credits, the monthly installment tends to be reduced, providing greater financial flexibility immediately. Competitive interest rates: In many cases, the interest rates on consolidated credit are more attractive, especially in the short term.

Among the disadvantages are: Early repayment cost: Consolidating credits may involve repaying existing debts, which can result in early repayment commission costs. For variable rate credits, this commission can be up to 0.5% of the amount repaid, while for fixed rate it can go up to 2%. Additional costs: Credit consolidation can also generate legal and tax costs, such as registration fees and stamp duty. Increased interest in the long term: Although the monthly payment is lower, extending the repayment term can result in paying more interest over time.

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

Consolidated Credit: Less bills on your mind, more head in the clouds

If you have multiple credits weighing on your budget, it's time to save.

Too many instalments weighing on your budget?

Save time!

Save effort!

Save money!

Save anxiety!

What our clients say

How we helped Francisco and Carla consolidate their credits and save over €3,000 a year

Need for financing

High cost to open the business

Solution with personal credit

Transformation and success

All this, at no cost

Have a new project in mind but don't want to take on another loan?

What are the advantages?

Less calls from the bank, more calls to friends

Frequently asked questions about credit consolidation

What is debt consolidation credit?

What is the maximum repayment term?

What is the purpose of consolidating credits?

What are the advantages of consolidated credit?

What are the disadvantages of consolidated credit?