Anyone looking for extra money to balance their accounts can count on the best personal credit lines. And, to do that, just keep reading, as we’ve selected the main ones!

It is not always easy to find credit options. After all, this requires in-depth research, as well as the search for alternatives that can meet the requirements. Therefore, there are several points that are important to define which is the best personal credit in 2022 in Portugal.

For example, it is essential to analyze what the grant requirements are. These include proof of income, clean name and the like. On the other hand, it is necessary to analyze what is offered. That is, loan amounts, applicable interest and time for repayment.

As there are so many relevant points within such an important subject, we brought the solution. After all, today you will find here the best personal credit lines available in the Portuguese financial market. Keep reading and check it out!

Personal credit is nothing more than a loan made to an individual. Thus, someone requests it, with or without a guarantee, and receives amounts from the financial institution with whom they are doing business. Afterwards, it is up to the contractor to pay installments (plus interest, according to the loan contract and specific conditions) to the bank.

Thus, it is a solution that can be used for countless things. For example, to pay off various bills and concentrate them on one debt with only lower interest. Or, for emergencies, such as medical needs or urgent renovations.

Other issues that may justify a loan are to achieve a dream. This includes everything from your own home to your car or even a trip. Therefore, personal credit is important in a series of situations.

To find out which is the best, keep reading and check out which is the best personal credit in 2022 in Portugal! This way, get a good deal and guarantee the best rates!

Want to know how to make extra money in 2022? Then check out our list of the best personal credit options in Portugal!

Here we have a type of consolidated personal credit. That is, it is available to those who have two or more debts and wish to pay them off, transforming them into a single installment of debt. By doing so, you can get more beneficial rates that can make the debt amount much lower!

This is one of the best personal lines of credit, as it allows you to save up to 60% on the value of your debts. Applicable fees vary and the application is completely online. This way, just do a simulation on the institution's website!

Another of the best personal credit lines belongs to Younited. Here, however, it is not consolidated. In other words, you can use the money for whatever purpose you want. It is possible to obtain credit between €1,000 and €75,000 and pay it off in 6 to 120 months.

Deudai is a platform that offers services similar to consolidated credit. After all, it serves to negotiate conditions with two or more creditors that consolidate the debts into one and make them easier to pay off.

The hiring service is completely online, so it is possible to carry out a simulation on the company's website. Therefore, see if this is the best personal credit option in Portugal in 2022.

Another option for the best personal credit lines belongs to Millennium BCP. It works with APR rates from 11.3% and TAN from 8.5%. The conditions imposed will depend on the specific case, considering the contractor and the loan value.

In fact, it is possible to obtain up to 75 thousand euros with what could be the best personal credit in 2022 in Portugal. The payment term is up to 84 months and it is possible to contract it online or in person at the financial institution.

Another of the best personal credit lines belongs to CCT bank. The APR and TAN vary depending on the loan amount. Furthermore, the amount can be used for any purpose and varies between €2,500 and €50,000.

For payment, the financial institution offers a period between 12 and 120 months after contracting. Furthermore, the monthly payments and fees are fixed, so there is no danger of surprises when paying the installment.

CCT waives the payment of opening and contract commissions. Despite this, it charges a monthly processing fee. The value of this commission is €1.5 plus the Stamp Tax.

This is another personal credit option that appeals to the public. With a TAN of 7,90% and APR of 11,10%, it can be used for any purpose. Therefore, it is the contractor who decides how to use the contracted amount.

In addition, it waives the payment of a commission for processing the installment, as well as for early repayment. This way, see that it proves to be one of the best personal credit lines!

The amounts available are from €1,000 to €50,000, and it is possible to pay off between 1 and 10 years. Finally, it also stands out for having a completely online procedure. This way, it is modern, practical and fits in your pocket.

The last alternative on our list of the best personal credit lines is Kreditiweb. Like other options on the list, it works with consolidated credit. That is, it consolidates two or more debts into a single installment for a single creditor.

This means the amounts are lower and it is easier to pay and organize yourself financially. Rates, amounts and payment terms vary.