AMCO Portugal review

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

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Our verdict

AMCO Portugal is a Portuguese credit intermediary that places personal, debt-consolidation and car credit with a bank, and it suits residents who would rather deal with one broker across the whole application. Personal loans run €5,000 to €75,000 with an origination fee of 0 EUR and no arrangement charge at the start.

Key facts

Best for
One broker for personal, debt-consolidation or car credit in Portugal, with an origination fee of 0 EUR.
Loan amount
€5,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
Answer within 24 hours (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Age 18 to 80 at contract end; Portuguese citizen or foreigner with permanent residence title; tax domicile in Portugal (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
AMCO Intermediários de Crédito, Lda. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
2006 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
amco.pt

Mortgages

Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
AMCO Intermediários de Crédito, Lda. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
2006 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Personal credit comes with an origination fee of 0 EUR, and home credit a product fee of €0.
  • A decision is quick at the intermediary stage: applications draw Answer within 24 hours.
  • Support runs on phone, email and help centre, covering the period before and after signing.
  • home improvement is the stated use for personal credit, so a renovation can be funded on the same application.

Cons

  • It is a credit intermediary rather than the lender (broker), so the rate depends on the bank that takes the application.
  • Eligibility needs Portuguese citizenship or, for foreign residents, a permanent residence title, plus a Portuguese tax domicile, which rules out applicants based elsewhere.
  • Personal credit runs €5,000 to €75,000, a bigger ticket than the €876.96 typical personal loan on this site.
AMCO Portugal

Ready to try AMCO Portugal?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Portuguese residents with a tax domicile in Portugal who want one broker to place personal, debt-consolidation or car credit.
  • Homeowners whose purpose is purchase, remortgage and home equity, since home lending reaches 90% of the property value.
  • Residents who hold citizenship or a permanent residence title, since eligibility asks for one of those.

Who should look elsewhere

  • Anyone without a Portuguese tax domicile or a permanent residence title, since eligibility asks for both.
  • Borrowers after a small top up, where Cashspace ES lends €100 to €5,000 and personal credit here runs €5,000 to €75,000.

How your money is protected

AMCO Portugal works as a credit intermediary rather than a lender, so an application sits with a bank and that bank's offer sets the rate and term. The intermediary itself is registered with Banco de Portugal under 759, which is where a conduct concern goes. Loan money is not held by AMCO Portugal.

The company behind it

The company behind the brand is AMCO Intermediários de Crédito, Lda., headquartered in Portugal and working in Portuguese credit since 2006. It is a credit intermediary registered with Banco de Portugal under 759. Customers reach the team on phone, email and help centre.

How AMCO Portugal compares

Where AMCO Portugal is available

Available
Portugal
Licence in Portugal
Banco de Portugal (759), checked September 26, 2026

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

Frequently asked questions

Is AMCO Portugal a lender or a broker?+

AMCO Portugal is a credit intermediary, listed as broker, so an application is placed with a bank rather than approved by AMCO Portugal itself. It is registered with Banco de Portugal under 759, and the bank's offer sets the rate and the term.

How much can I borrow, and for how long?+

Personal credit runs €5,000 to €75,000 over terms of 12 to 84. Debt consolidation and car credit sit under the same personal route, while home credit lends 90% of the property value and is listed for purchase, remortgage and home equity.

What fees does AMCO Portugal charge?+

The origination fee on personal credit is 0 EUR, and the product fee on home credit is €0. Both are listed at nothing, so interest is the main cost to weigh rather than an arrangement charge taken up front.

How quickly does an application get an answer?+

Applications draw Answer within 24 hours. That is the response target set out for personal credit and it applies to the intermediary's handling of the file, before a bank completes its own assessment.

Who can apply to AMCO Portugal?+

Eligibility asks for adults within a stated age band at contract end, Portuguese citizenship or a permanent residence title for foreign residents, and a tax domicile in Portugal. Applicants living abroad without a Portuguese tax domicile fall outside it.

Where does my money sit while a loan is being arranged?+

AMCO Portugal is a credit intermediary, so loan money sits with the bank that funds the agreement rather than with the intermediary. The intermediary is registered with Banco de Portugal under 759, the body to raise a conduct concern with.

How do I get help or check progress?+

Support runs on phone, email and help centre, so a question can go by phone, by email or through the help centre. The same team is the point of contact while an application sits with the bank behind it.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

AMCO Portugal

AMCO Portugal

One broker for personal, debt-consolidation or car credit in Portugal, with an origination fee of 0 EUR.

8.9/10See alternatives

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