Debt consolidation in Portugal — one simpler monthly payment

Registered with the Bank of Portugal

Debt consolidation in Portugal — one monthly payment

Combine personal loans, credit cards and other debts into one payment. Free analysis of partner-bank options — no cost to you.

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Tool

Simulate your new monthly payment

Estimate the impact of combining your loans into a single monthly payment, then request a free personalized analysis.

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Illustrative example

Consolidation can ease your monthly budget

Several loans into one payment — sample figures to show the kind of impact that may be possible.

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€270

estimated monthly savings

Before

€850/month

After

€580/month

* Figures are illustrative only. Real savings depend on your specific conditions.

When consolidation may help

Reduce monthly pressure without losing transparency

Debt consolidation in Portugal may help when you have several payments, credit cards, personal loans or higher-rate obligations. Before proceeding, we check whether the monthly saving justifies the total cost and term. If your goal is also to reduce the rate on your home loan or to switch banks, see our mortgage transfer service.

The goal is not only lowering the monthly amount: it is creating a sustainable solution for your household budget.

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Debts you may consolidate

Personal loans

Credit cards

Car finance

Credit lines

Short-term loans

Other debts

1. Diagnosis

We map payments, rates, terms and outstanding balances.

2. Simulation

We compare your current scenario with a new payment and total cost.

3. Proposal

We present bank options and support the contracting process.

Frequently Asked Questions

What is debt consolidation in Portugal?

Debt consolidation in Portugal combines several loans — personal loans, credit cards, car finance and others — into a single facility with one monthly payment. By extending the term, you can lower the monthly amount and simplify household budgeting. A Bank of Portugal-registered credit intermediary can compare options across partner banks at no cost to you.

How much can I save with consolidation?

Monthly payment savings can reach 30-60%, depending on the rates and terms of your current loans. Note: extending the term lowers the monthly payment but can increase total interest cost. We always assess whether it is worthwhile before proceeding.

Which debts can I consolidate?

You can consolidate personal loans, credit cards, car finance, credit lines, short-term loans and other obligations. With a mortgage-backed consolidation, it may also be possible to include the home loan.

Does consolidation harm my credit history?

No. Paying off loans through consolidation is a normal transaction, recorded with the Bank of Portugal like any other credit. Moving to a single well-managed payment can even improve how banks view your profile.