100€ in IKEA gift card for Personal Loan ≥ €8.000

Personal Loan

TAEG from 11,1% | TAN from 7,950%

Campaign valid from 1 to 31/5/2025

Credit subject to approval

Personal Loan Simulator

Define the amount, the term, and find out how much you will pay

What is the purpose of the loan?

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Personal Loan

Simple, fast, and online.

Open the App and follow the step-by-step guide.​

Start by simulating

Choose the amount, from €1,000 to €75,000, and the repayment period, from 18 to 84 months.

Make your choices

Decide if you want to add any Insurance and if you want financing for the initial expenses.

Complete the application!

Confirm the simulation result and submit your request – our decision is quick!

Credit Solutions to turn dreams into reality

Dar Créditos

In May, for each operation of Personal Loan, we donate €3, up to a limit of €3.000, to support Amor e Empatia

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Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

The Personal Loan is for Clients between the ages of 18 and 70.

There is a Loan opeing fee of 2% over the financed value, with a maximum of €300.

There are 2 insurances that the Bank demands whenever financing for house is requested, Life insurance and Multirisk insurance.

Life insurance ensures the payment in case of death or permanent invalidity of the insured person. Multirisk insurance ensures that the property, besides the fire coverage (mandatory by law for all houses in regime of horizontal property,for the autonomous fraction as well as for the corresponding share of common areas), has a wide range of aditional coverages that ensure a bigger safety level to the property and to the insured person (examples: Flooding, plumbing malfunction, theft, civil responsability, amongst others).

The Payment Plan is a projection in time of the payments to be made for the refund of a financing. For the Personal Loan with fixed rate, the settlement of the financing is made through constant instalments, with a monthly frequency (of capital and interest).

You can give up on the Loan contract within 14 calendar days from the time of the signature, without specifying any reasons for the dropout, on the terms of article 17.º of Decree-Law n.º 133/2009 June 2nd. You can make this request through our Website or App, call +351 210 030 700 or go to one of our Branches. By giving up on the contract you will have to return the amount that has been loaned to you and pay the accrued interest within 30 days.

Yes, you can do it covered by the Loan’s contract, with 30 days' notice. Early repayment is subject to a fee calculated as follows: early repayment fee of 0.5% of the amount of the capital repaid early, if the period between the time of early repayment and the date stipulated for the end of this contract is greater than one year. If this period is less than or equal to one year, the early repayment fee is 0.25% of the amount of the capital repaid early.

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Campaign valid from May 1st to May 31st, 2025, for new Personal Loans (Home, Renovations, and Other Purposes) requested during that period and contracted by June 15, 2025, with an amount equal to or greater than €8.000.

Only one €100 IKEA gift card will be granted per Personal Loan (Home, Renovations, and Other Purposes) and per Client. After receiving a push notification confirming eligibility, you will have 30 days to click on the banner available in the ActivoBank App and request the gift card to be sent. Eligibility will be assessed on a weekly basis. This gift card can only be used to purchase products or services at IKEA stores or on IKEA.pt.

TAEG from 11,1% | TAN from 7,950%, with a monthly installment of €196.31 for a loan of €8,000 over 48 months. Total amount payable by the consumer: €9,771.68, including a €200 Loan Opening Fee, interest, and Stamp Duty on the interest and fee. Loan Opening Fee is 2.5% of the financed amount, with a maximum of €500.

Subject to Credit decision.

The Loan's settlements are regular charges of the banking Client's household budget. It is essential that the Client previously weighs the financial ability to ensure the payment of the ongoing settlements of the loans that wants to hire. For further information on household budget management consult "Todos Contam" at www.todoscontam.pt The provision of the Loan is subject to the macroprudential rules of Banco de Portugal.​​​

Banco ActivoBank S.A.​