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ComparaJa review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

ComparaJa is a Portuguese comparison site and credit intermediary that shows Portuguese borrowers a single lender's mortgage at a time, with an initial rate of 0.6% and a product fee of €0. It suits people who want one clear rate to read rather than a shopping exercise across lenders.

Key facts

Best for
Portuguese home buyers and remortgagers who want a single lender rate and a product fee of €0.
Initial rate
0.6%↗
Fixed period
3 to 10 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, First-time-buyer↗
Lender type
Broker↗
Legal entity
Comparaja, S.A.↗
Headquarters
Portugal↗
Founded
2015↗
Support channels
Email, Phone↗
Official website
comparaja.pt

Loans

APR
9.2%↗
Loan amount
€1,000 to €75,000↗
Term
12 to 84 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Credit 100% online within 24 hours; lender approval times 48 business hours↗
Representative example
Example profile: EUR 10,000 over 84 months, age 35, monthly income EUR 1,300, offers TAEG 9.01% to 11.55%↗
Free early repayment
No↗
Eligibility
At least 18 years old and resident in Portugal↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Pricing model
No annual fee
Features
Rewards

Credit cards

Annual fee
€0↗
Rewards type
Cashback↗
Rewards rate
3% cashback (up to 120 EUR per year) or 1 point per 1 EUR spent↗
Perks
Waiver of the annual availability fee (comissao de disponibilizacao), Discounts up to 50% across the partner network, 100% digital subscription with no extra costs, Free personal adviser during the application process↗
Cashback rate
1% to 3%↗
Card kind
Credit↗
Audience
Business

Personal insurance

Premium from
€0↗
Insurance types
Auto, Life, Health, Home, Motorcycle, Dental, Pet↗
Provider type
Comparison site↗
Monthly payments
Yes↗
Cover limit
Auto third-party liability minimum: EUR 1220000 material damage and EUR 6070000 bodily injury↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • An initial rate of 0.6% and a product fee of €0 sit on the same offer.
  • Fixed periods run 3 to 10, and lending reaches a 90% loan to value.
  • Comparaja, S.A. is listed with the Banco de Portugal and the ASF, so the intermediary is a named, supervised company.

Cons

  • Free early repayment is no, so clearing the balance early carries a cost.
  • A single market: At least 18 years old and resident in Portugal keeps the mortgage and personal loan side inside Portugal.
  • Credit checks on the personal loans are hard, and only 20.1% of the lenders listed on the site prequalify softly.
ComparaJa

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Portuguese buyers and remortgagers, the purchase, remortgage and first time buyer cases the site is built around.
  • Borrowers who want a fixed period agreed up front, running 3 to 10.
  • Applicants with a business reason to borrow, with personal, debt consolidation and car loans listed alongside the mortgage.

Who should look elsewhere

  • Not for shoppers who want a wide rate table: Sofkredit's initial rate runs 8% to 14% and Prestalo's sits at 2.36%, so a single-lender view is narrow by comparison.
  • Not for buyers after a middle of the market rate: Creditilia ES lists 4%.
  • Not for applicants outside Portugal: At least 18 years old and resident in Portugal.

How ComparaJa compares

Where ComparaJa is available

Available
Portugal
Licence in Portugal
Banco de Portugal (0000375), checked September 26, 2026
Licence in Portugal
ASF (Autoridade de Supervisao de Seguros e Fundos de Pensoes) (417449516), checked September 26, 2026

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

Frequently asked questions

What rate does ComparaJa offer on a new mortgage?+

The site shows an initial rate of 0.6% with a product fee of €0, fixed for a period running 3 to 10. Lending covers purchase, remortgage and first time buyer to a maximum 90% loan to value. That rate ranks 1 of 316 brands in the site's list.

Is ComparaJa a regulated company?+

Yes. Comparaja, S.A. is a licensed credit intermediary listed with the Banco de Portugal, and it also appears under the ASF, the Portuguese supervisor for insurance and pension funds. The entity works as a comparison site and a broker, so the lender, not the site, carries the lending decision.

Who can borrow through ComparaJa?+

The personal loan side asks for adults and residents of Portugal under At least 18 years old and resident in Portugal, and the site is built around a business audience. Loans run €1,000 to €75,000 over terms of 12 to 84, which suits consolidating existing debt or funding home improvement work.

Can I repay a loan early without a charge?+

Free early repayment is no, so a large part payment can leave you worse off than at a lender that waives the charge. Read the early repayment terms on the offer itself before you commit, because the answer depends on the lender sitting behind the rate.

Does ComparaJa lend the money itself?+

It does not. ComparaJa sits between applicant and lender as a broker and a comparison site, matching people with lenders and carrying the paperwork around them. The rate on the site is a single lender's offer, and the contract for the money is with that lender.

What other products does the site cover?+

Beyond the mortgage, the site brokers personal, debt consolidation and car loans and offers a credit card with an annual fee of €0 and 1% to 3% cashback. It also quotes auto, life and health cover, with premiums starting at €0 and monthly payments available.

How quickly does an application move?+

The application runs entirely online and the lender's approval is measured in business days rather than weeks. Waiver of the annual availability fee (comissao de disponibilizacao), Discounts up to 50% across the partner network and 100% digital subscription with no extra costs includes a free personal adviser during the application process and partner discounts, so help arrives with the paperwork.

How do I reach ComparaJa?+

Support runs on email and phone, so questions can go by email or phone. The company was founded in 2015 and operates as Comparaja, S.A. from PT, which makes it a named counterparty rather than an anonymous broker.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

ComparaJa

ComparaJa

Portuguese home buyers and remortgagers who want a single lender rate and a product fee of €0.

9.0/10See alternatives