Products and services

Personal · Credit

Salary Credit+

Nominal rate (TAN): 9.8% | APR (TAEG): 12.57%

The APR is calculated on a 9.8% nominal rate (TAN) basis, for the Salary+ Loan of CVE 500,000.00

Term: 60 months; Default interest: 2%;

Request information See price list

Benefits

A plan tailored to your purpose and financial capacity;

Support while your application is reviewed;Instalments and term set before signing;

Close support from the BAICV team.

Terms and requirements

  • Valid identification document and tax number (NIF)
  • Proof of income and residence
  • Information on the purpose of the credit
  • Additional documentation and guarantees subject to review.

Fees and pricing

Fees, charges and costs are subject to the price list in force. Always check the up-to-date information before signing.

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
0 CVE
12 months
9.8 %
Reference rate: this product does not publish a nominal rate. 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.