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Calculate Online Personal Loan

Unbeatable rate? Only with your salary at Millennium

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Online Personal Loan

Hand holding a card that says “A rate you can't miss”
Unbeatable rate? Only with your salary at Millennium Bring your salary to Millennium and grab this rate from October 16 to November 7, 2025
Online Personal Loan
TAEG 12,9% - TAN 11.200%¹
TAEG 11.5% - TAN de 9.950%²
Learn more
Hand holding a card that says “A rate you can't miss”
Unbeatable rate? Only with your salary at Millennium Bring your salary to Millennium and grab this rate from October 16 to November 7, 2025
Online Personal Loan
TAEG 12,9% - TAN 11.200%¹
TAEG 11.5% - TAN de 9.950%²
Learn more

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.
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.
Instant decision Get an instant response up to €25,000. No waiting, no bureaucracy.
Money in your account If your loan is approved, the money is deposited into your account immediately.

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). Only education expenses deductible for tax purposes.
    • 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). Only education expenses deductible for tax purposes.
    • 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.

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). Only education expenses deductible for tax purposes.
    • 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). Only education expenses deductible for tax purposes.
    • 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.

View more questions

Apply for your Online Personal Loan on the app

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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 simulation of a €{Sim_RequestedAmount} loan with an {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.
Representative example
¹Individuals
12.9% TAEG (annual percentage rate of charge) and 11.200% TAN (annual nominal rate), with monthly installments of €87.33, for a simulation of a €5,000 loan with an 84-month term. Total amount charged to the consumer: €7,423.72, 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.
With reduced rate
²11.5% TAEG (annual percentage rate of charge) and 9.950% TAN (annual nominal rate), with monthly installments of €83.91, for a simulation of a €5,000 loan with an 84-month term. Total amount charged to the consumer: €7,136.44, 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 November 7, 2025.
Prestige
10.6% TAEG (annual percentage rate of charge) and 9.200% TAN (annual nominal rate) with monthly installments of €81.89, for simulation 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.
With reduced rate
9.2% TAEG (annual percentage rate of charge) and 8.000% TAN (annual nominal rate), with monthly installments of €78.73, for a simulation of a €5,000 loan with an 84-month term. Total amount charged to the consumer: €6,701.32, 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 November 7, 2025.
 
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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