Products and services

Personal · Credit

Personal Loan

Credit for personal expenses: car repairs, furniture and appliances, small home works, training, health, IT equipment or travel.

  • Nominal rate 12%
  • APR13.94%
  • Maximum term60 months (5 years)
  • Rate typeFixed rate
Request information See price list

Financial conditions

Fixed rate
12%Nominal rate
APR
13.94%
Maximum term
60 months (5 years)
Default interest
2%

Representative example: APR of 13.94%, based on a nominal rate of 12%, for a loan of CVE 500,000.00 over 60 months (5 years).

Indicative conditions. The conditions of your loan depend on the assessment of your application. Check the Price List and the Standardised Information Sheet in force.

Benefits

  • Flexible financing for multiple purposes
  • Repayment term of up to 60 months
  • Amount adjusted to the household's debt-service ratio
  • Simple process with the decision made at the domiciliation branch

Terms and requirements

  • Photocopy of the ID card
  • Photocopy of the tax number (NIF) declaration
  • Statement of net salary with type of employment relationship
  • Credit application provided by the bank
  • Authorisation to consult the credit register (CRC)

Fees and pricing

Nominal rate 12.00% · APRC 13.94% (example for 500,000 CVE). Late-payment interest: 2%. See the price list and the Standardised Information Sheet in force.

Documents

Documents and standardised information

Applicable price list Link · Download PDF

How to proceed

From information to decision, with support.

  1. 01Understand the conditions

    Read the product information and check the price list in force.

  2. 02Prepare the documents

    Gather your identification details and the applicable supporting documents.

  3. 03Talk to BAICV

    Ask for information or visit a branch to complete the process.

Frequently asked questions

Before you proceed

Use the request information button or visit a BAICV branch.

The final conditions depend on the solution, the customer profile and, where applicable, the commercial or credit assessment.

Check the price list in force and the specific product documentation before making a decision or signing the contract.

Simulate in seconds

What would your monthly payment be?

Adjust the amount, the term and the rate and see the monthly payment right away. The rate starts at this product's rate and can be changed to try other scenarios. No sign-up, no commitment.

All simulators
1 000 000 CVE
12 months
12 %
Product fixed rate: 12% nominal. You can change it to try another scenario.
My monthly payment — Sum of instalments (principal and interest): — Not in this sum: fees, stamp duty, insurance and other charges. The full cost is the APR in the standard information sheet.
Assumptions of this simulation
  • Constant instalment (principal and interest), paid every month
  • The chosen rate stays the same for the whole term
  • No grace period or deferral
  • Amounts rounded to the escudo.

Product conditions updated on 23/09/2026

Request a personal offer

Simulation using the rate shown above, which you can change. The sum of instalments covers principal and interest and does NOT include fees, insurance, taxes or other charges. It is not an offer: the conditions of your loan depend on the assessment of your application and on the current Price List, which prevails over any simulation.