Find here all our fee schedules and the financial conditions applicable to our credit and borrower insurance products.
The rates below are indicative rates for information purposes. The final APR is provided to you in the Standard European Consumer Credit Information (SECCI) form before any subscription.
| Amount borrowed | Term | Indicative fixed APR | Indicative instalment |
|---|---|---|---|
| 1 000 € – 3 000 € | 12 – 24 months | From 6.90 % | Per simulation |
| 3 001 € – 6 000 € | 24 – 36 months | From 6.20 % | Per simulation |
| 6 001 € – 10 000 € | 24 – 60 months | From 3.5 % | Per simulation |
| 10 001 € – 20 000 € | 24 – 84 months | From 3.5 % | Per simulation |
| 20 001 € – 75 000 € | 24 – 84 months | From 3.5 % | Per simulation |
Administration fees, determined according to the amount and term of the loan, may apply. Their amount will be communicated to you transparently before any subscription. To find out the conditions specific to your project, we invite you to contact us.
Early repayment fees: 0 % if amount < 10 000 €/year; 0.5 % if repayment > 1 year before the end; 1 % if < 1 year before the end.
Reminder fees: according to the particular conditions of your contract.
The Fidexico revolving credit is a permanent credit with a revisable rate. The APR applicable at the time of subscription is provided in your contract. As an indication:
| Use | Indicative annual APR | Particularity |
|---|---|---|
| Cash mode (immediate debit) | 0 % | Debited the following month |
| Credit mode (instalments) | 19.9 % | Annual revision possible |
| Cash withdrawal | 19.9 % | Withdrawal fee applicable |
In accordance with Portuguese consumer credit law, the APR of the revolving credit may not exceed the usury rate set by the Banco de Portugal for this category. You benefit from free cancellation at any time with repayment of the outstanding balance.
The rates of the optional borrower insurance are expressed as a monthly percentage of the initial capital borrowed.
| Guarantee | Monthly rate | Coverage |
|---|---|---|
| Death + PTIA | 0.25 % of initial capital | Outstanding capital |
| Death + PTIA + ITT | 0.40 % of initial capital | Capital + instalments |
| Death + PTIA + ITT + Job loss | 0.60 % of initial capital | Capital + instalments |
ITT waiting period: 90 days. Job-loss waiting period: 6 months. Borrower insurance is optional for consumer loans. Its refusal cannot lead to a refusal to grant the loan. For people presenting an aggravated health risk, Portuguese Law No. 75/2021 applies.
The pricing conditions of debt consolidation (restructuring) vary according to the nature of the loans consolidated (consumer only or mixed consumer + mortgage), the amounts involved and your borrower profile. A personalised and free quote is provided on request.
| Type | Max. amount | Indicative APR | Max. term |
|---|---|---|---|
| Consumer loan consolidation only | 75 000 € | From 5.9 % | 84 months |
| Mixed consolidation (consumer + mortgage) | 75 000 € | From 5.9 % | 180 months |
Warning: in the case of debt consolidation, the total cost of your loan may be higher than the sum of the restructured loans due to the extension of the repayment period. Carefully check the total cost before subscribing.
A loan commits you and must be repaid. Check your repayment capacity before committing. No payment of any kind may be required from an individual before obtaining one or more loans of money.
The rates and prices displayed on this page are given for information purposes and may change. They correspond to the offers in force at the time of consultation but do not constitute a firm offer. Only the conditions set out in your signed contract have contractual value. Fidexico S.A. — NIPC 503533726 — Banco de Portugal — ASF (Portugal).
Last update of the fee schedule: June 2026.
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Personal loan of 5,000 €
Your personalised simulation
— Our loan proposal is adjustable —
(1) Excluding optional insurance. Indicative simulation. Subject to acceptance. Indicative fixed APR. Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
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Personal loan of 5,000 €
The optional monthly insurance premium is 0.70% of the outstanding balance. The first premium is the highest. Check your eligibility.