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Consolidated Credit
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About us
Contact
Credit intermediary no. 0006860
Credit intermediary no. 0006860
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+351 211 453 334
Monday to Friday, from 9am to 7pm.
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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.

Personal credit: Less obstacles, more freedom
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Partnerships
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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?

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— 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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save without paying anything for it
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Less limitations, more open doors

Whatever your dream, we give you simple and fast credit solutions to make it happen, with the support you need to move forward with confidence.

Simulate credit now

Save with the right solution

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— Personalised solutions for your goals

Ícone 3D de sofá roxo, representando o crédito pessoal para obras e mobiliário, ideal para renovar a casa com conforto e controlo.
Personal credit

Credit renovation & furniture

For those who want to renovate their home or add that special touch to the decor, with a controlled budget and without stress.

Simulate
Ícone 3D de mãos a usar um portátil, ilustrando o crédito pessoal para expandir um negócio ou concretizar ideias empreendedoras.
Personal credit

Credit business

For those who want to expand their business or take a project off the drawing board, with financial security and the resources needed to achieve success.

Simulate
Ícone 3D de caderno aberto com lápis e lâmpada, representando o crédito pessoal para investir em cursos e formação profissional.
Personal credit

Credit education

For those who want to invest in their future, financing courses and professional training to take the next step in their career with confidence.

Simulate
Ícone 3D de um mapa roxo com um marcador verde, simbolizando o crédito pessoal para realizar viagens e explorar o mundo com liberdade.
Personal credit

Credit travel

For those who want to explore the world and make their trips possible, without going over budget and without compromising the experience.

Simulate
Reviews

What our clients say

Google Reviews
5.0
Star Star Star Star Star
Google Reviews
5.0
Star Star Star Star Star
Review Avatar

rui ribeiro

29 January 2026

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Star Star Star Star Star
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
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R&R Party

30 June 2026

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Star Star Star Star Star
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 ✨
Review Avatar

Tony Santos

29 June 2026

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Star Star Star Star Star
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.
Review Avatar

henrique gonçalves

25 June 2026

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Star Star Star Star Star
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.

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

From dream to reality: With our help, João opened his own café and gave a new direction to his professional life.

Simulate in one minute
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2
3
4
1

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.

2

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.

3

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.

4

Transformation and success

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

💸

All this, at no cost

Poupacademy
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Vai remodelar a casa este verão? Veja quanto pode poupar com o crédito pessoal certo

O verão é uma das alturas mais procuradas para remodelar a casa. Se está a pensar renovar a cozinha, pintar pa...

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O que é necessário para fazer um crédito pessoal em Portugal?

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Crédito pessoal urgente para despesas imprevistas nas férias? Saiba como pedir online

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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.

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Talk to an agent now

Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.

+351 211 453 334
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