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Online Personal Loan Calculator

Calculate how much you need

On Campaign

Don't leave your plans on ice

And, until July 24, get a €100 Worten gift card to thaw them out when you apply for an Online Personal Loan between €5,000 and €25,000.

TAEG 11.8%, TAN 10.2%
And, until July 24, get a €100 Worten gift card to thaw them out when you apply for an Online Personal Loan between €5,000 and €25,000.

TAEG 11.8%, TAN 10.2%

Main benefits

Here’s how it works

Girl, with a white top and a mobile phone in her hand, celebrating Girl, with a white top and a mobile phone in her hand, celebrating
100% online, 0 paperwork Apply for your Online Personal Loan anytime, anywhere.
Always pay the same amount Choose the term that best suits you, between 18 and 84 months, with a fixed monthly payment.
Money in your account If your loan is approved, the money is deposited into your account immediately.
Instant decision Get an instant response up to €25,000. No waiting, no bureaucracy.
Girl, with a white top and a mobile phone in her hand, celebrating Girl, with a white top and a mobile phone in her hand, celebrating
100% online, 0 paperwork Apply for your Online Personal Loan anytime, anywhere.
Money in your account If your loan is approved, the money is deposited into your account immediately.
Always pay the same amount Choose the term that best suits you, between 18 and 84 months, with a fixed monthly payment.
Instant decision Get an instant response up to €25,000. No waiting, no bureaucracy.

Personal loan add-ons

So you don't have to worry

80% of our Customers take out life insurance To protect their families and ensure debt repayment

Discover life insurance
Wooden pieces with illustrations of insurance Wooden pieces with illustrations of insurance

We ensure your monthly loan payments if you become unemployed or unable to work, with the Payment Protection Plan

View protection plan
Millennium app screen with a personal credit simulator and an illustration of a padlock on top

How to apply for an Online Personal Loan

It's simple and quick

Calculate on the app or website
Calculate on the app or website
Choose the amount and term to calculate the installments.
Choose the amount and term to calculate the installments.
Get a response
Get a response
The analysis is instant, and if you meet the conditions, you can contract immediately.
The analysis is instant, and if you meet the conditions, you can contract immediately.
Receive the money
Receive the money
Then simply accept the documents to receive the money in your account.
Then simply accept the documents to receive the money in your account.
What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
Proof of income documents
Proof of income documents
(latest income statement and/or last 3 payslips)
(latest income statement and/or last 3 payslips)
ID documents of the parties involved
ID documents of the parties involved

How to apply for an Online Personal Loan

It's simple and quick

Calculate on the app or website
Calculate on the app or website
Choose the amount and term to calculate the installments.
Choose the amount and term to calculate the installments.
Get a response
Get a response
The analysis is instant, and if you meet the conditions, you can contract immediately.
The analysis is instant, and if you meet the conditions, you can contract immediately.
Receive the money
Receive the money
Then simply accept the documents to receive the money in your account.
Then simply accept the documents to receive the money in your account.
What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
Proof of income documents
Proof of income documents
(latest income statement and/or last 3 payslips)
(latest income statement and/or last 3 payslips)
ID documents of the parties involved
ID documents of the parties involved

Apply for a personal loan

Before making a decision…

Assess the expenses
Consider if you need to make this purchase taking into account different factors.
Consider the effort
Make sure the loan installments won’t compromise the budget of your household.
Confirm the conditions
Verify the conditions of the loan, and read all the pre-contractual and contract information.
Make responsible decisions
If you change your mind after applying, you can cancel it on the website or app within 14 days.

Frequently asked questions

Questions? We’ll help

Before applying for a loan, you should:

  • Assess the need for the expense you are going to have.
  • Consider the amount of the new loan together with your household's monthly income and expenses and make sure that the loan will not compromise your budget.
  • Obtain all the information you consider relevant to making an informed decision before signing the contract.
  • Read the pre-contractual information and the contract carefully and pay attention to the particular conditions of the loan, namely the amount, term, installments and rates.

Before applying for a loan, you should:

  • Assess the need for the expense you are going to have.
  • Consider the amount of the new loan together with your household's monthly income and expenses and make sure that the loan will not compromise your budget.
  • Obtain all the information you consider relevant to making an informed decision before signing the contract.
  • Read the pre-contractual information and the contract carefully and pay attention to the particular conditions of the loan, namely the amount, term, installments and rates.

When applying for a personal loan, the following documents may be requested:

  • Last 3 payslips
  • Latest tax return (with the applicant’s taxpayer number and validation code)
  • ID documents of all parties involved (if the application is made at a branch)
  • Certificate of regularized social contributions (mandatory for loans over €50,000)
  • Additional documents depending on the purpose of the loan:
    • Education - proof of enrollment/registration (showing the institution, course duration, and cost) and of the costs related to the course.
    • Works/renovations -works estimate + proof of property ownership (Land Registry Certificate and Property Tax Record).
    • Sustainable buildings – proof of eligible expenses.
    • Automobile – proof of vehicle purchase (mandatory for terms over 84 months).

When applying for a personal loan, the following documents may be requested:

  • Last 3 payslips
  • Latest tax return (with the applicant’s taxpayer number and validation code)
  • ID documents of all parties involved (if the application is made at a branch)
  • Certificate of regularized social contributions (mandatory for loans over €50,000)
  • Additional documents depending on the purpose of the loan:
    • Education - proof of enrollment/registration (showing the institution, course duration, and cost) and of the costs related to the course.
    • Works/renovations -works estimate + proof of property ownership (Land Registry Certificate and Property Tax Record).
    • Sustainable buildings – proof of eligible expenses.
    • Automobile – proof of vehicle purchase (mandatory for terms over 84 months).

The Nominal Annual Rate is the interest rate, expressed as a fixed or variable percentage, that is applied annually to the used loan amount.

The Nominal Annual Rate is the interest rate, expressed as a fixed or variable percentage, that is applied annually to the used loan amount.

The Annual Percentage Rate of Charge is the total cost of the loan to the consumer (as an annual percentage of the loan amount). It includes the loan and interest payments, as well as other mandatory charges (taxes, fees and interest).

The Annual Percentage Rate of Charge is the total cost of the loan to the consumer (as an annual percentage of the loan amount). It includes the loan and interest payments, as well as other mandatory charges (taxes, fees and interest).

It's the total amount you will pay for the loan, including the financed amount, interest, fees, taxes and charges.

It's the total amount you will pay for the loan, including the financed amount, interest, fees, taxes and charges.

You can apply for a loan anywhere, at any time. In these cases, the loan application is analyzed online. If approved, the personal loan is taken out online and the amount requested will be credited to the current account. Valid for clients with a risk profile suitable for the product. Decision subject to credit analysis.

You can apply for a loan anywhere, at any time. In these cases, the loan application is analyzed online. If approved, the personal loan is taken out online and the amount requested will be credited to the current account. Valid for clients with a risk profile suitable for the product. Decision subject to credit analysis.

No, you don’t need to open an account. You can pay your installments from an account with another Bank via direct debit. If you don’t have an account with us, schedule a call to apply for your loan.

No, you don’t need to open an account. You can pay your installments from an account with another Bank via direct debit. If you don’t have an account with us, schedule a call to apply for your loan.

View more questions

Frequently asked questions

Questions? We’ll help

Before applying for a loan, you should:

  • Assess the need for the expense you are going to have.
  • Consider the amount of the new loan together with your household's monthly income and expenses and make sure that the loan will not compromise your budget.
  • Obtain all the information you consider relevant to making an informed decision before signing the contract.
  • Read the pre-contractual information and the contract carefully and pay attention to the particular conditions of the loan, namely the amount, term, installments and rates.

Before applying for a loan, you should:

  • Assess the need for the expense you are going to have.
  • Consider the amount of the new loan together with your household's monthly income and expenses and make sure that the loan will not compromise your budget.
  • Obtain all the information you consider relevant to making an informed decision before signing the contract.
  • Read the pre-contractual information and the contract carefully and pay attention to the particular conditions of the loan, namely the amount, term, installments and rates.

When applying for a personal loan, the following documents may be requested:

  • Last 3 payslips
  • Latest tax return (with the applicant’s taxpayer number and validation code)
  • ID documents of all parties involved (if the application is made at a branch)
  • Certificate of regularized social contributions (mandatory for loans over €50,000)
  • Additional documents depending on the purpose of the loan:
    • Education - proof of enrollment/registration (showing the institution, course duration, and cost) and of the costs related to the course.
    • Works/renovations -works estimate + proof of property ownership (Land Registry Certificate and Property Tax Record).
    • Sustainable buildings – proof of eligible expenses.
    • Automobile – proof of vehicle purchase (mandatory for terms over 84 months).

When applying for a personal loan, the following documents may be requested:

  • Last 3 payslips
  • Latest tax return (with the applicant’s taxpayer number and validation code)
  • ID documents of all parties involved (if the application is made at a branch)
  • Certificate of regularized social contributions (mandatory for loans over €50,000)
  • Additional documents depending on the purpose of the loan:
    • Education - proof of enrollment/registration (showing the institution, course duration, and cost) and of the costs related to the course.
    • Works/renovations -works estimate + proof of property ownership (Land Registry Certificate and Property Tax Record).
    • Sustainable buildings – proof of eligible expenses.
    • Automobile – proof of vehicle purchase (mandatory for terms over 84 months).

The Nominal Annual Rate is the interest rate, expressed as a fixed or variable percentage, that is applied annually to the used loan amount.

The Nominal Annual Rate is the interest rate, expressed as a fixed or variable percentage, that is applied annually to the used loan amount.

The Annual Percentage Rate of Charge is the total cost of the loan to the consumer (as an annual percentage of the loan amount). It includes the loan and interest payments, as well as other mandatory charges (taxes, fees and interest).

The Annual Percentage Rate of Charge is the total cost of the loan to the consumer (as an annual percentage of the loan amount). It includes the loan and interest payments, as well as other mandatory charges (taxes, fees and interest).

It's the total amount you will pay for the loan, including the financed amount, interest, fees, taxes and charges.

It's the total amount you will pay for the loan, including the financed amount, interest, fees, taxes and charges.

You can apply for a loan anywhere, at any time. In these cases, the loan application is analyzed online. If approved, the personal loan is taken out online and the amount requested will be credited to the current account. Valid for clients with a risk profile suitable for the product. Decision subject to credit analysis.

You can apply for a loan anywhere, at any time. In these cases, the loan application is analyzed online. If approved, the personal loan is taken out online and the amount requested will be credited to the current account. Valid for clients with a risk profile suitable for the product. Decision subject to credit analysis.

No, you don’t need to open an account. You can pay your installments from an account with another Bank via direct debit. If you don’t have an account with us, schedule a call to apply for your loan.

No, you don’t need to open an account. You can pay your installments from an account with another Bank via direct debit. If you don’t have an account with us, schedule a call to apply for your loan.

View more questions

Apply for your Online Personal Loan on the app

Calculate on the app
Screen of the Millennium App with Credit simulator Screen of the Millennium App with Credit simulator
Screen of the Millennium App with Credit simulator
Additional information of the calculation
{Sim_EffectiveAnnualInterestRate}% TAEG and {Sim_InterestRate}% TAN with monthly instalments of €{Sim_Installement} for a calculation of a €{Sim_RequestedAmount} loan with a {Sim_Duration} month term. Monthly repayment of €{Sim_Installement} in the first {Sim_Duration} months and of €{Sim_Installement2} in the remaining {Sim_Duration2}, for a financing of €{Sim_RequestedAmount}. Total amount charged to the consumer: €{Sim_TotalLoanCost}, including interest and Stamp Duty for the use of credit and interest. Subject to credit risk analysis. The granting of the credit is subject to Banco de Portugal's macro-prudential rules.

Conditions valid until July 9, 2026.

Representative example
Individuals
11.8% TAEG (annual percentage rate of charge) and 10.200% TAN (annual nominal rate), with monthly installments of €84.59, for a calculation of a €5,000 loan with an 84-month term. Total amount charged to the consumer: €7,193.56, including interest and Stamp Duty for the use of credit and interest. Subject to credit risk analysis. The granting of the credit is subject to Banco de Portugal's macro-prudential rules.

Conditions valid until July 9, 2026.

Prestige
10.6% TAEG (annual percentage rate of charge) and 9.200% TAN (annual nominal rate) with monthly installments of €81.89, for calculation of a €5,000 loan with an 84- month term. Total amount charged to the consumer: €6,966.76, including interest and Stamp Duty for the use of credit and interest. Subject to credit risk analysis. The granting of the credit is subject to Banco de Portugal's macro-prudential rules.

Conditions valid until July 9, 2026.

Apply for an Online Personal Loan between €5,000 and €25,000 and get a €100 Worten gift card to use until November 30, 2026.

How to participate and receive it

  • Take out a Personal Loan between €5,000 and €25,000, between July 10 and 24, through the Millennium app or website
  • Within 48 hours of taking out the loan, a campaign sign-up banner will become available in the Millennium App
  • Sign up through the app banner by August 7, 2026. Signing up is mandatory in order to be eligible for the gift card
  • The Worten gift card will be sent starting August 14, 2026, after the sign-up period ends, via email and notification in the Millennium App

Gift card terms of use

  • Valid on the Worten website and app until 11/30/2026
  • Single-use gift card, meaning the order must be equal to or greater than the gift card amount
  • Do not enter the gift card without logging into your personal account, otherwise it will be automatically considered used
  • The gift card must be entered in the cart, in the "Apply gift cards" section, before the first step of checkout
  • Products sold on Marketplace and services are excluded from this campaign
 
Advertisement
Banco Comercial Português S.A, Office: Praça D. João I, 28, 4000-295 Porto, Share Capital 3,000,000,000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 501525882 (Conservatória do Registo Comercial do Porto). Insurance agent registered under nr. 419527602, with the Insurance and Pension Funds Supervision Authority – Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details can be checked on www.asf.com.pt.The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Intermediary does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.
Insurers
Life Protection
Ocidental
Ocidental - Companhia Portuguesa de Seguros de Vida, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisbon. Legal Person No. 501836926. Lisbon Trade Register. Share Capital of 22,375,000 Euros. Registration ASF 1024, www.asf.com.pt.
Non-Life Risk Insurance
Ocidental
Ageas Portugal - Companhia de Seguros, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisboa. Legal Person No. 503454109. Porto Trade Register. Share Capital of 7,500,000 Euros. Registration ASF 1129, www.asf.com.pt.
Account opening
The opening of an account is subject to the Customer acceptance policy. Minimum opening amount: €250 or €150 for University Students between 18 and 25 years old, or equivalent in the respective currency. Maintenance fee: €5.20 (plus Stamp Duty).

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