Finance your projects with our personal loan
A personal loan is an unallocated consumer credit: you are free to use the funds for any project without having to justify their use to Fidexico. Unlike an earmarked loan (auto, home improvement), there is no legal link between the loan and a specific purchase. You freely dispose of the amount once the funds are released, giving you maximum flexibility to finance your life projects.
The interest rate is fixed throughout the contract term: your monthly payments never change, regardless of market rate fluctuations. This stability allows you to plan your budget with complete peace of mind. The APR (Annual Percentage Rate) incorporates all mandatory credit costs and is communicated in the European Standard Pre-Contractual Information Sheet (ESIS) provided before any subscription, in accordance with Article L.312-12 of applicable Portuguese law.
The subscription is entirely paperless: from online simulation to electronic contract signing, you have no paper documents to print or send. A preliminary decision is issued within 24 business hours. If approved, funds are transferred to your bank account after the 14-calendar-day statutory withdrawal period expires, unless you expressly waive this period.
Why choose the Fidexico personal loan?
Guaranteed fixed rate
Your rate never changes throughout the loan term. Your monthly payments remain identical from the first to the last month, regardless of market rate changes. You budget with complete peace of mind and no unpleasant surprises.
Processing fees
Processing fees, determined based on the loan amount and term, may apply. The amount will be communicated transparently before any subscription. To find out the specific conditions for your project, please contact us.
Fast response
Once your complete file is received, a preliminary decision is sent to you by email within 24 business hours. The final decision comes after full verification of supporting documents. You don't have to wait weeks to know if your loan is approved.
100% online
From simulation to contract signing, everything happens online, from any device (computer, smartphone, tablet). No branch visits, no documents to send by mail. Your customer area lets you track your application progress in real time.
14-day withdrawal period
In accordance with Article L.312-19 of applicable Portuguese law, you benefit from a 14-calendar-day withdrawal period with no penalty or justification required. If you have used the funds, you only repay the capital and accrued interest, with no indemnity.
Early repayment
You can repay your loan early, partially or in full, at any time. For repayments under €10,000 over 12 rolling months, no indemnity is due. Beyond this, the indemnity is capped at 0.5% or 1% depending on the remaining term.
Financial features
| Financeable amount | From €1,000 to €75,000 |
| Repayment period | From 6 months to 84 months (7 years) |
| Rate type | Fixed rate — constant monthly payments throughout the term |
| Indicative APR | From 3.5 % — final APR based on borrower profile |
| Processing fees | Variable based on amount and term — communicated transparently before subscription |
| Early repayment | Possible at any time, total or partial |
| Early repayment fee | 0% if < €10,000/year — 0.5% or 1% beyond (based on remaining term) |
| Borrower insurance | Optional — offered by a partner insurer |
| Fund release | 24 to 72 h after the withdrawal period expires |
Required documents
All documents can be submitted by photo or scan directly during the online subscription. No postal mailing required.
How to get your personal loan?
Simulate online
Choose your amount and term. Instantly get your monthly payment and indicative APR.
Submit your application
Fill in the form and upload your supporting documents directly online, in just a few minutes.
Response within 24h
Our teams analyse your file. You receive a preliminary decision by email within 24 business hours.
Sign electronically
If approved, sign your contract 100% online. Qualified electronic signature compliant with the eIDAS regulation.
Funds available
Your funds are transferred to your bank account within 24 to 72 hours after the 14-day withdrawal period expires.
Frequently asked questions — Personal loan
Yes. A personal loan is an unallocated credit: you do not have to justify how you use the funds to Fidexico at all. This total freedom distinguishes it from earmarked loans (auto, home improvement) where the link between the loan and the purchase is legally formalised. In return, the 14-day withdrawal period applies without exception and funds are only paid after this period (unless expressly waived), in accordance with Article L.312-23 of applicable Portuguese law.
Once your complete file is submitted, a preliminary decision is given within 24 business hours. After acceptance, you receive your electronic contract and have a statutory 14-calendar-day withdrawal period. If you do not withdraw, the funds are transferred within 24 to 72 hours following the expiry of this period. You can waive the withdrawal period to receive the funds faster, but this waiver is irrevocable. In practice, the average time between file submission and fund transfer is 8 to 10 days.
Yes. Credit approval is not automatic. Fidexico assesses your creditworthiness based on the information you declare, the supporting documents provided, and the mandatory consultation of the CRC (National File of Repayment Incidents). A refusal may result from too high a debt ratio, insufficient income relative to the amount requested, or an entry on the CRC. If the refusal is based on information from the CRC, you will be informed in accordance with Article L.311-14 of applicable Portuguese law.
No. Borrower insurance is entirely optional for consumer credit. Its refusal cannot under any circumstances lead to the refusal of the loan. However, it is strongly recommended to protect you in the event of death, total permanent disability (TPD) or temporary incapacity for work (ITW). Coverage is offered by a partner insurer of Fidexico. For persons presenting an aggravated health risk, Portuguese Law No. 75/2021 applies.
To make an early repayment, log in to your customer area and submit a request via the secure messaging system, or contact our customer service on our contact form. You will receive an early repayment statement specifying the remaining capital due and any applicable indemnity. For partial repayments, you choose between reducing the loan term or reducing the monthly payment amount. No indemnity is due if the amount repaid is less than €10,000 over a rolling 12-month period.
Yes. Joint applications are possible with any individual (spouse, civil partner, cohabiting partner, family member), without the need for a marital link. A joint application can increase your chances of obtaining the loan and/or borrowing a higher amount, as both borrowers' incomes are taken into account. In return, each co-borrower is jointly and severally liable for full repayment of the loan. Supporting documents will be required for both individuals.
Legal notice: Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan. No payment of any kind may be required before the loan is granted.
Representative example: For a personal loan of €10,000 repayable in 48 monthly instalments of €233.20, fixed APR of 3.5%, total amount due €11,193.60, processing fees may apply based on amount and term — communicated transparently before subscription. Excluding optional insurance. Subject to acceptance by Fidexico — Fidexico S.A., NIPC 503533726, Banco de Portugal, ASF (Portugal).