Helping You Achieve Your Goals with Personal Loan Solutions
Because every goal is unique, we help you find the right personal loan solution to bring it to life, with clear guidance, expert support and no cost to you.
Personal Loans
A personal loan is a form of consumer credit provided by financial institutions, with loan amounts, terms and interest rates varying according to the applicant’s financial profile. Before approval, lenders assess factors such as income, employment stability and debt-to-income ratio, in accordance with the guidelines issued by Banco de Portugal.
This type of financing allows you to fund personal projects without the need to specify a particular purpose. It may be used for home improvements, unexpected expenses, education costs or the consolidation of financial commitments, always with a repayment plan agreed in advance.
All loan conditions — including the Nominal Annual Interest Rate (TAN), Annual Percentage Rate of Charge (TAEG) and Total Amount Payable by the Consumer (MTIC) — must be clearly disclosed in the European Standardised Information Sheet (ESIS).
What to Consider Before Applying
When evaluating a personal loan, it is important to consider:
- The total amount repayable over the term of the agreement (MTIC)
- The impact of the monthly repayment on your household budget
- The most suitable loan term to balance monthly affordability and the overall cost of the credit
- Any fees, charges and taxes associated with the loan
Comparing different offers is essential to avoid unnecessary costs and ensure you make a well-informed financial decision.
Why Choose Maxfinance Dream?
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Access to offers from multiple financial institutions
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Independent and personalised advice tailored to your needs
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Expert support from application through to completion
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Greater negotiating power to secure competitive conditions
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A simple, transparent and efficient process
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No fees or charges for the client