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

New Credit

Personal credit: Less obstacles, more freedom

Take your projects off the shelf and give credit to your dreams.

Don't put your plans on hold just because credit is a headache. We handle that for you. Simulate now and save yourself the trouble.

Simulate credit now

Personal credit: Less obstacles, more freedom

Partnerships

Do you need credit to fulfil your plans?

Fast financing, advantageous conditions, and no hassle. Simulate now.

Simulator

Personal Credit

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

Why simulate your personal 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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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

Pedro always dreamed of opening his own café, but did not have enough resources to cover the initial renovation, equipment and decoration costs.

High cost to open the business

The initial investment was €10,000, a considerable amount that Pedro could not pay immediately without compromising his personal finances.

Solution with personal credit

With the support of Poupança no Minuto, Pedro quickly obtained the personal credit with an adjusted instalment, financing the café without complications.

Transformation and success

Today, Pedro's café is up and running, offering a unique experience to its customers.

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about personal credit

We don't always have the funds available to carry out our projects. A personal loan allows you to finance the purchase of goods or services for various purposes, such as home renovations, education, health or even travel. The amount, term and type are adjusted to your situation at the time of signing the credit agreement.

Requirements: - Identification document: Citizen Card or Permanent Residence Permit - Age: > 30 years (preferred) - Income: > €820 (taxed in Portugal) - Minimum amount: €5,000 - Tax residence in Portugal - Must have existing credit responsibilities

Before taking out a consumer loan, it is important to assess the impact of the monthly payment on your household budget and compare different credit options available on the market.

To find the most suitable personal loan for your situation, you will need to share detailed information about your needs. The more precise the information provided, the more tailored the credit proposal will be, taking into account different features and costs.

You can apply for a personal loan directly at a financial institution or online. To ensure the best financial conditions, we recommend comparing proposals from several institutions and negotiating. Poupança no Minuto agents do this analysis for you, ensuring you find the best solution.

Before taking out a loan, it is essential to be clearly and transparently informed about all the conditions. You should compare credit proposals based on the Annual Effective Global Rate (TAEG). All this information is included in the Standardised Information Sheet (FIN), which must be provided by the financial institution.

The required documents include: Citizen Card (or ID Card + Tax Number); Proof of income: Employees: Last tax return + last pay slip or last 6 pay slips; Self-employed: Tax return + receipts issued in the current year; Retired or pensioners: Tax return and Social Security statement; Quote (in the case of renovation credit); Pro-forma invoice or sale proposal (e.g. for car credit); Proof of supplier's bank account (for car credit).

Yes, it is possible to renegotiate your personal loan. Poupança no Minuto agents can analyse your current contract and negotiate with the financial institution to improve the loan conditions, resulting in significant savings for you.

It is not possible to transfer a personal loan to another institution. However, if you have multiple loan payments, you can opt for debt consolidation, combining all payments into one with a lower monthly installment.

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

Personal credit: Less obstacles, more freedom

Take your projects off the shelf and give credit to your dreams.

Do you need credit to fulfil your plans?

Save time!

Save effort!

Save money!

Save anxiety!

Less limitations, more open doors

Save with the right solution

What our clients say

How we helped Pedro turn his idea into a business with personal credit - without stress!

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 personal credit

What is a personal loan?

What are the prerequisites?

Is a personal loan the best solution for me?

What type of personal loan is right for me?

How do I apply for a personal loan?

What pre-contractual information should I know?

What documentation is required to apply for a personal loan?

Is it possible to renegotiate a personal loan?

Is it possible to transfer a personal loan?