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Cofidis Portugal review

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

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Our verdict

Cofidis Portugal suits Portuguese borrowers who want a long fixed rate personal loan and a fee free credit card from the same lender. Loans run at an APR of 12.6% over terms of 54 to 84, so the monthly cost is set at the start.

Key facts

Best for
A long fixed rate personal loan in Portugal with no opening charge and a fee free card.
APR
12.6%↗
Loan amount
€5,000 to €50,000↗
Term
54 to 84 months↗
Arrangement fee
0 EUR (no opening fee)↗
Credit check
Hard↗
Funding time
Within 48 hours (48 business hours) of credit approval↗
Representative example
Crédito Pessoal: EUR 15,000 over 84 months at TAEG 12.6% and TAN 10.95%, fixed monthly instalment EUR 259.91, MTIC EUR 22,096.44↗
Rate type
Fixed↗
Lender type
Direct lender↗
Loan types
Personal, Credit-line, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
Cofidis↗
Headquarters
Belgium↗
Founded
1996↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Fixed rate
Features
Rewards
Official website
cofidis.pt

Credit cards

Annual fee
€0↗
Currency conversion fee
3%↗
Rewards type
Cashback↗
Rewards rate
0.5% on purchases (Standard service, max EUR 50 cashback per year); 1% on purchases with the paid Mais por 5EUR service (max EUR 100 per year)↗
Perks
Health plan extendable to family members with dental cover, 3D Secure secure online payments, Zero fee on purchases at petrol stations, Purchase instalments in the Cofidis app and client area, Up to EUR 100 cashback per year↗
Cashback rate
0.5%↗
Card kind
Credit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
m.cofidis.pt

Pros and cons

Pros

  • Loans run at a fixed rate of 12.6% APR, so the instalment does not move.
  • Borrowing covers €5,000 to €50,000 over terms of 54 to 84, and approved loans are paid out Within 48 hours (48 business hours) of credit approval.
  • The credit card has an annual fee of €0 and pays cashback on purchases.
  • Support runs on phone, chat and email.

Cons

  • Every application runs a hard credit check, hard, so there is no softer prequalification step.
  • The card charges 3% on currency conversion, so spending away from home costs more.
  • Cashback carries a yearly cap, and the richer rate sits behind a paid add on service.
Cofidis Portugal

Ready to try Cofidis Portugal?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Portuguese borrowers funding a long home project, with home improvement as the stated use and loans of €5,000 to €50,000.
  • People who want a single lender for both sides: direct lender lending plus a credit card with an annual fee of €0.
  • Borrowers who can clear a hard credit check, hard, and prefer a fixed monthly payment.

Who should look elsewhere

  • Borrowers shopping on rate alone: Sofkredit lists rates of 10.74% to 18.06% against Cofidis Portugal at 12.6%.
  • Anyone after a larger ticket: Creduma ES starts at from €12,000.
  • Readers wanting a direct swap in euros: Cashspace quotes PHP 12 to PHP 36 in another currency.

Where it sits among rivals

Cofidis Portugal sits mid field on both price measures. On loan amount it ranks 129 out of 665 across the site, and on APR it comes at 179 of 338. The scale of borrowing and the rate are close to the middle of the market rather than at either end of it.

Safety of your money

Cofidis Portugal is a direct lender, direct lender, so you deal with the lender rather than a broker. Its Portuguese operation is registered with the Banco de Portugal under 921, and the Belgian entity is listed with BE_NBB under PSD_PI BE_NBB!0400359283. The published example shows a mid sized personal loan repaid over a long term with a level monthly instalment.

How Cofidis Portugal compares

Where Cofidis Portugal is available

Available
Belgium, Portugal
Licence in Portugal
Banco de Portugal (921), checked September 26, 2026
Licence in Belgium
BE_NBB (PSD_PI BE_NBB!0400359283), checked September 26, 2026, also valid in Belgium

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

Frequently asked questions

What rate do Cofidis Portugal personal loans charge?+

Personal credit runs at a fixed rate of 12.6% APR, so the instalment holds steady for the life of the loan. The structure is listed as fixed rate and the rate type as fixed, which keeps budgeting simple for anyone on a fixed income.

Is there an opening fee on the loan?+

There is an opening charge of 0 EUR (no opening fee), so no setup cost at the start. The cost of borrowing here is interest and repayments rather than a fee on day one, and the credit card carries an annual fee of €0 in its own right.

How quickly is an approved loan paid out?+

Approved loans are paid out Within 48 hours (48 business hours) of credit approval. Applications run a hard credit check, hard, so there is no softer prequalification stage to slow the decision, and the wait is measured from approval rather than from the day you send the form.

What does the Cofidis Portugal credit card cost?+

The card has an annual fee of €0 and pays cashback on purchases. Currency conversion is the expensive part, at 3%. Perks listed for the card include Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations.

Is Cofidis Portugal regulated?+

Cofidis Portugal is a direct lender, direct lender, so you deal with the lender rather than a middleman. The Portuguese side is authorised by the Banco de Portugal under 921, and the Belgian entity appears in the register under PSD_PI BE_NBB!0400359283.

How much can I borrow, and for how long?+

Personal credit covers €5,000 to €50,000 over terms of 54 to 84. That range suits a planned purchase or a home project, home improvement, rather than a short term fix, and the published example repays a mid sized loan with a level monthly instalment.

How do I get help with an existing loan?+

Support runs through phone, chat and email. Phone and email suit formal queries, while chat handles quick ones, and the Cofidis app and client area cover purchase instalments and self service. The company has traded in Portugal since 1996.

Sources

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

Cofidis Portugal

Cofidis Portugal

A long fixed rate personal loan in Portugal with no opening charge and a fee free card.

9.3/10See alternatives