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AMCO Portugal review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

AMCO Portugal suits Portuguese residents who want a personal loan arranged by a licensed credit broker rather than signed with a bank. The origination fee is 0 EUR, and the intermediary is registered with Banco de Portugal under 759 for the offers it places.

Key facts

Best for
A fee-free Portuguese personal loan placed for you by a licensed credit broker.
Loan amount
€5,000 to €75,000↗
Term
12 to 84 months↗
Arrangement fee
0 EUR↗
Funding time
Answer within 24 hours↗
Lender type
Broker↗
Eligibility
Age 18 to 80 at contract end; Portuguese citizen or foreigner with permanent residence title; tax domicile in Portugal↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
AMCO Intermediários de Crédito, Lda.↗
Headquarters
Portugal↗
Founded
2006↗
Support channels
Phone, Email, Help-centre↗
Official website
amco.pt

Mortgages

Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Registered with Banco de Portugal as a credit intermediary, 759.
  • Personal loans, debt consolidation and car finance under one roof: personal, debt consolidation and car.
  • Help is available by phone, email and a help centre: phone, email and help centre.
  • Home improvement is named as a use for the personal loan: home improvement.

Cons

  • Borrowing starts at €5,000 to €75,000, so smaller one-off sums are not served.
  • Open to Portuguese citizens or permanent residents with a tax domicile in Portugal, and to applicants inside a stated age range at contract end.
  • As a broker, broker, the rate and term on offer come from the lender it introduces rather than from AMCO Portugal.
AMCO Portugal

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Portuguese residents, including permanent residents from abroad, looking for a personal loan with no origination fee.
  • Borrowers consolidating debt or financing a car as well as a home project, since personal, debt consolidation and car covers all three.
  • Homebuyers and remortgagers who want a broker to place the credit, with 90% available on the property.

Who should look elsewhere

  • Small one-off sums, where Cashspace and PHP 500 to PHP 25,000 sit in a different currency market.
  • Spanish borrowers, who would be better served by Creduma ES and from €12,000.
  • Larger secured projects, since Sofkredit offers €12,000 to €300,000.

Deposit protection

AMCO Portugal is a credit broker, broker, which places loans with lenders rather than holding customer savings. It is registered with Banco de Portugal as an authorised credit intermediary, 759. That registration covers the intermediation activity, and protection for money you leave on deposit rests with the bank that holds it.

The company behind it

AMCO Intermediários de Crédito, Lda. is the contracting entity, founded in 2006 and based in Portugal. Support runs on phone, email and help centre, so phone, email and a help centre cover most questions, and the Banco de Portugal registration 759 is held by the same company. Personal loans, car credit and debt consolidation all sit under this one intermediary.

How AMCO Portugal compares

Where AMCO Portugal is available

Available
Portugal
Licence in Portugal
Banco de Portugal (759), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does AMCO Portugal actually lend?+

It places personal loans, debt consolidation and car finance, with home improvement named as a use for the personal loan. Amounts run €5,000 to €75,000 and terms run 12 to 84, so the range suits a larger project rather than a small bill.

What does it cost to arrange a loan?+

The origination fee on the personal loan is 0 EUR, and the product fee on the home lending side is €0. Interest is what you repay on top, and as a broker the rate comes from the lender placing the deal.

How fast will I hear back?+

Answer within 24 hours on a personal loan application, which is a decision on the file rather than a promise of payout. Once a lender says yes, the timing of the money sits with that lender.

Who is eligible to apply?+

Applicants need to be adults who are Portuguese citizens or foreigners holding a permanent residence title, with a tax domicile in Portugal, and they must sit inside a stated age range at contract end. The file runs through AMCO Intermediários de Crédito, Lda..

Is AMCO Portugal a lender or a broker?+

It is a broker, broker, operating as AMCO Intermediários de Crédito, Lda.. The credit agreement is signed with the lender AMCO introduces, so the rate and term on offer come from that lender rather than from the intermediary, and that shapes how quickly money arrives.

Who supervises the business?+

Banco de Portugal lists the intermediary under registration 759, and the business has traded since 2006. The registration covers credit intermediation, the work of placing a borrower with a lender, so the intermediary sits under Portuguese supervision while the lender holds the loan.

Does it arrange home loans as well?+

Alongside the personal loan, the home lending side covers purchase, remortgage and home equity, with a maximum loan to value of 90%. The product fee there is €0, and the same residence rules apply.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Related by the facts

AMCO Portugal

AMCO Portugal

A fee-free Portuguese personal loan placed for you by a licensed credit broker.

9.1/10See alternatives