Personal loan
A personal project, an important purchase, a trip planned long ago. Finance it with clear terms and fixed instalments.
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Peer-to-peer credit
Fair financing, without pointless paperwork.
We connect people who need to finance a project with private investors willing to lend on transparent terms. Fixed 3% rate, no hidden fees.
Reply within 24 hours
Serious analysis, quick decision.
We review each application carefully and give you a decision in under 24 business hours. No automated system, no pre-formatted reply.
By your side, all the way
A human contact, from day one to the last instalment.
Every client is followed by a single advisor who knows their file. If your situation changes, you talk to us — never to a chatbot.
Fixed annual rate
3%
Reply within
24 business hours
Amount
€500 to €50,000
Duration
6 to 120 months
Our loans
A solution tailored to each project
Six types of financing designed for real needs. No complicated products, no small print.
Urgent loan
An unexpected expense won't wait. We review your application as a priority and release funds quickly after approval.
Learn moreEducation loan
Finance your studies, a master's degree or professional training. Repayment tailored to your course timeline.
Learn moreHome improvements
Renovate the kitchen, insulate the loft, replace the windows. A loan dedicated to your home, sized to the works.
Learn moreDebt consolidation
Consolidate several ongoing loans into a single instalment, with one contact. Get visibility back on your budget.
Learn moreFlexible financing
A project that doesn't fit the usual boxes? Let's talk it through and design tailored financing.
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8 years
supporting personal projects
About us
A Portuguese initiative, a European approach.
CREDITO SOLIDARIO was born from the observation that traditional bank credit leaves out thousands of people with legitimate projects. Our answer: a peer-to-peer lending platform that is regulated and transparent.
- A small team trained in finance and responsible lending.
- Head office in Portugal, an approach aligned with European regulation.
- A fixed 3% rate, communicated before any application.
- Human support, no anonymous call centre.
Numbers that speak for us
An approach that delivers concrete results
0
Applications reviewed
12 400 €
Average amount financed
0
Fixed rate
0
Average response time
Why CREDITO SOLIDARIO
Credit is done in clarity, not under pressure.
Unlike institutions that multiply offers and variable rates, we offer a single formula that can be understood in three minutes.
- The rate is fixed at 3% for the entire duration. It doesn't change, whatever the economic context.
- No file fees, no early repayment fees, no compulsory insurance imposed.
- Terms are set in writing before signature, in plain English.
- In case of payment difficulty, we look for a solution before any litigation.
Run your simulation
Calculate your monthly payment in seconds
Adjust the amount and duration. The instalment updates in real time. No commitment, no personal data required.
500 €
50 000 €
6 months
120 months
Indicative simulation, subject to file review. Fixed nominal rate 3%.
What our clients say
Real experiences, told without make-up
★★★★★
I needed €8,000 to replace the windows before winter. I received a reply in two days and the process was clear from start to finish. No hidden fees appeared along the way, unlike what happened elsewhere.
Manuel Ferreira
Braga, home improvements
★★★★★
What I appreciated was always having the same person as a contact. I spoke to my advisor three times before signing, without feeling I was wasting anyone's time. I finished repaying two months ago.
Sofia Almeida
Lisbon, personal loan
★★★★★
I consolidated three loans into a single instalment. The monthly saving isn't huge, but having one contact and one payment date changes my daily life. I recommend for the quality of the review.
Ricardo Nunes
Porto, debt consolidation
Our blog
Practical articles on credit and budget
Short guides written by our team, without pointless jargon.
Before applying for a loan: three questions to ask yourself
A loan only makes sense when it meets a clear need and involves an instalment your budget can sustain. Here is the method.
The 33% rule: the maximum effort limit not to exceed
Why the sum of your instalments should not exceed one-third of your net income, and what to do if you have already crossed that line.
Early repayment: what the law allows you
Every consumer credit holder has the right to repay in advance. Overview of indemnities and deadlines.
Frequently asked questions
Answers to the questions we are asked most often
We finance requests between €500 and €50,000. Below that, a loan usually doesn't make sense given administrative costs. Above, a more thorough review is needed — contact us directly.
Our team commits to communicating a decision in less than 24 business hours after receiving the complete file. For more complex cases, we may ask for an extra 48 hours to verify.
ID, proof of address less than three months old, three last payslips (or equivalent for the self-employed) and a recent bank statement. We send the exact list after first contact.
Yes. No file fees, no early repayment fees, no compulsory insurance imposed by CREDITO SOLIDARIO. The only cost of your loan is the fixed 3% annual interest.
Yes, at any time and without penalty. The law provides for this and we don't apply any restrictive clause. Just send us a written request.
Yes. We are the data controller under the GDPR. Your data is never sold and is kept only for the time needed to perform the contract and meet legal obligations.
A project in mind? Let's talk today.
A credit application starts with a conversation. No commitment, no prior check.