What does it really cost: a personal loan
The instalment, interest, Stamp Duty and APRC of a personal or car loan — with the 2026 taxes the advert does not show.
If the offer has none, leave it at zero. If it has one, it goes into the APRC.
Banco de Portugal recommends terms of up to 7 years for personal loans and up to 10 for car finance.
APRC
Nominal rate of 8% — the APRC adds taxes and fees
Interest
Stamp Duty on the loan
1.76% of the amount — consumer credit
Stamp Duty on the interest
4%, paid with each instalment
Total amount payable
Capital, interest, taxes and fees
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
To use this simulator you need to know
- How much you need to borrow
- Over how many months you want to repay
- The nominal rate the bank or lender offers you
- Whether the offer has an arrangement or processing fee
What this result includes — and what it does not
This result is indicative and is there to help you get your bearings. The final figures are confirmed by the bank and by the State services at the time of the transaction — and our credit adviser checks them with you, at no cost.
Stamp Duty on consumer credit is 1.76% of the amount for loans of a year or more, and 0.141% per month below a year. Interest and fees also pay 4%. All of it is in the total and in the APRC.
The APRC is the rate to compare between offers: it combines interest, taxes and fees. Two offers with the same nominal rate can have very different APRCs.
Loan-linked insurance and monthly processing fees are not included — if the offer has them, the real APRC is higher.
Below €200 and above €75,000 the loan is no longer consumer credit and the tax moves to the general rate, which the calculator applies on its own.
Frequently asked questions
These almost always come next
How much it costs to buy a home
IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
Open simulatorWhat will my monthly instalment be?
The monthly instalment, the total interest and what the term does to both.
Open simulatorYour debt-to-income ratio and how much you can borrow
The debt-to-income ratio, the instalment that fits and the house price it reaches.
Open simulator