Personal Loan


The BPI Personal Loan allows you to have everything you need without having to make a big effort. Find out all the advantages.

A loan for any purpose

Applying for a personal loan at BPI will help you accomplish your projects.

Financing example 1 

  • Amount: € 5.000
  • € 85,40 x 84 months
  • NAR: 10,5%
  • Effective annual interest rate (TAEG): 13,8%1
  • MTIC (Total Amount Attributable to Consumer): € 7.540,32
  • Life insurance (monthly): € 2,08
  • Loan origination fee: € 100 + Stamp Duty

Financing example 2

  • Amount: € 10.000
  • € 170,80 x 84 months
  • NAR: 10,5%
  • Effective annual interest rate (TAEG): 13,8%1
  • MTIC (Total Amount Attributable to Consumer): € 15.081,481
  • Life insurance (monthly): € 4,17
  • Loan origination fee: € 200 + IS

1 The amounts presented assume that the Consumer has had an account with the Bank for more than 30 days(account maintenance commission not considered) and include mandatory life insurance for an applicant, loan origination fee and respective taxes. Values valid in May 2024.

Customise your Personal Loan

Learn about the conditions BPI has to offer you to allow you to realise your plans and choose a payment schedule tailored to your needs:

  • Loan Amount: extended to your needs, for any purpose;
  • Term: Up to 84 months: decide for how long you want to repay your loan;
  • Instalment: choose the monthly instalment best adjusted to your family budget.
Tranquillity and Safety
  • BPI Personal Loan has a mandatory Allianz Life Insurance policy included that ensures payment of the loan principal in the event of death or absolute and definitive disability of the insured persons;
  • For even greater peace of mind, you can also take out a Credit Protection Insurance policy which, for a single initial premium, ensures the payment of your loan instalments for the duration of your loan, in case of absolute temporary incapacity due to accident and/or illness, involuntary unemployment, hospitalisation and salaries in arrears.
It is very simple to contract a BPI Personal Loan

After deciding which simulation best suits your requirements, submit the following documents to your BPI branch:

  • Citizen Card;
  • 3 most recent pay slips;
  • Previous year income tax return.
  • After your loan has been approved, the money will be quickly available in your current account.

Before taking out your loan, clarify any doubts, read carefully the loan contract and detailed conditions and make sure that the installments are manageable within your monthly budget.


These are Allianz Portugal S.A. insurance products, distributed by Banco BPI, SA, having its registered office at Avenida da Boavista, 1117, Oporto, acting as Insurance Intermediary No. 419527591, registered with the Portuguese Insurance and Pension Funds Supervisory Authority on 21/11/201, authorised to carry out Life and Non-Life Insurance businesses. Banco BPI, SA has ownership interests exceeding 10% in Companhia de Seguros Allianz Portugal, SA and in COSEC - Companhia de Seguros de Créditos, S.A. For further details on the registration please visit Banco BPI, SA is contractually bound to conduct insurance mediation business exclusively for one or more insurance companies and is compensated, as a fixed commission, with a portion of the insurance premium, and a variable commission based on its overall performance. In its capacity as Insurance Intermediary, Banco BPI, SA advises its Clients on Allianz Portugal SA insurance products, in a partial and personal manner, and is not liable for risk coverage under the insurance contract, does not act for or on behalf of the Insurance Company and is not authorised to collect premiums or enter into contracts on behalf of Companhia de Seguros Allianz Portugal, SA, and its intervention ends when the insurance contract is concluded. The Client is entitled to ask for information about the name of the insurance company or companies with which Banco BPI, SA works, relevant under requirements and needs presented, and about the remuneration to be received by the intermediary for the intermediation service provided. There are no other insurance intermediaries in this contract. Complaints may be filed against Banco BPI, SA with the Portuguese Insurance and Pension Funds Supervision Authority. Without prejudice to the right to appeal to courts, in case of any dispute arising out of the insurance intermediation business carried out in Portugal, Clients may use out-of-court redress bodies set up for the purpose. Any information about insurance can be obtained at any BPI Branch and Premier Centres, at or on 808243444 (customised service from 08:00 to 21:00).