ComparaJa review

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

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Our verdict

ComparaJa suits Portuguese borrowers who want a regulated broker rather than a single lender, with a mortgage initial rate of 0.6% and a product fee of €0. Choice is the thinner side: it ranks 1 of 297 on initial rate but 74 of 293 on maximum loan to value.

Key facts

Best for
Portuguese residents wanting a regulated broker for home loans and personal credit.
Initial rate
0.6% (Source, checked September 26, 2026)
Fixed period
3 to 10 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Comparaja, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
comparaja.pt

Loans

APR
9.2% (Source, checked September 26, 2026)
Loan amount
€1,000 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)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Credit 100% online within 24 hours; lender approval times 48 business hours (Source, checked September 26, 2026)
Representative example
Example profile: EUR 10,000 over 84 months, age 35, monthly income EUR 1,300, offers TAEG 9.01% to 11.55% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
At least 18 years old and resident 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
Comparaja, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Regulated as an intermediary by the Banco de Portugal under licence 0000375, so the arrangement sits with a supervised firm.
  • Home loan initial rate of 0.6% and a product fee of €0 keep the entry cost down.
  • Personal loans cover €1,000 to €75,000 at an APR of 9.2%, with terms of 12 to 84 for home improvement needs.
  • Support covers email and phone, so a phone line sits alongside email for questions before and after you apply.

Cons

  • Free early repayment is not offered, so clearing a personal loan before the end of the term can cost money.
  • Loan types cover personal, debt consolidation and car only, so borrowers wanting other kinds of credit look elsewhere for a wider catalogue.
  • Maximum loan to value of 90% places it at 74 of 293 on that measure.
ComparaJa

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Portuguese residents buying, remortgaging or taking a first home, since the stated home loan purposes cover purchase, remortgage and first time buyer.
  • Borrowers who would rather run one application through a licensed intermediary than deal with a single direct lender.
  • People funding home improvement work, which is the stated use case on the personal loan range, or a car or a consolidation.

Who should look elsewhere

  • Anyone who plans to clear a balance early and save the charge, since free early repayment is not offered.
  • Borrowers who want many lenders and many loan types, since the listed loan types cover personal, debt consolidation and car only.
  • Shoppers who put maximum loan to value above rate, since 90% sits mid-table on that measure.

Where it sits among rivals

On initial rate ComparaJa ranks 1 of 297 brands, and the mortgage initial rate of 0.6% puts it at the sharp end of the field. Maximum loan to value tells a flatter story: 90% places it at 74 of 293, so borrowers chasing the highest loan to value have better options elsewhere.

Who runs it

The site is run by Comparaja, S.A., based in Portugal, and it works as a broker rather than a lender. It is registered with the Banco de Portugal under licence 0000375 and with the ASF under 417449516. Support runs on email and phone, and the licences sit with the intermediary.

How ComparaJa compares

Where ComparaJa is available

Available
Portugal
Licence in Portugal
Banco de Portugal (0000375), checked September 26, 2026
Licence in Portugal
ASF (Autoridade de Supervisao de Seguros e Fundos de Pensoes) (417449516), checked September 26, 2026

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

Frequently asked questions

What does ComparaJa actually do?+

It works as a broker, not a lender, matching applicants with partner banks rather than lending from its own balance sheet. Applicants fill in one application and the broker routes it onwards. That suits borrowers who would rather see several lenders at once than deal with a single provider, and the broker model sits behind the personal loans too.

How much does a ComparaJa home loan cost?+

The mortgage initial rate is 0.6% and the product fee is €0, so the entry cost on the home loan product is light. Fixed rate periods run 3 to 10 and maximum loan to value is 90%. The cost score of 8.4 sits well above the offer score of 4.7.

What are the fees on a ComparaJa personal loan?+

The origination fee is 0 EUR, so arranging the personal loan itself adds nothing to the cost. The rate is an APR of 9.2% on amounts of €1,000 to €75,000 across terms of 12 to 84. A representative example sets out the TAEG range a standard profile is offered.

Can I repay a ComparaJa personal loan early without charge?+

No, free early repayment is not offered on the personal loan, so clearing the balance ahead of schedule can cost money. Borrowers with a lump sum to spare may prefer a provider that waives the charge. The overall score of 6.9 balances that against the cost picture.

What kinds of loan does ComparaJa arrange?+

Loan types cover personal, debt consolidation and car, and home improvement is the listed use case, which makes it workable for renovation work. Home loan purposes cover purchase, remortgage and first time buyer, so purchases, remortgages and first home purchases all sit in range.

How quickly does a ComparaJa loan get funded?+

Credit can be arranged fully online in one application, and the lender sets its own approval window afterwards, so plan around that wait. Applicants should also note that the credit check on personal loans is a hard check, which leaves a trace on the credit file.

Who can apply through ComparaJa?+

Applicants must be adults and residents in Portugal, which ties the service to the Portuguese market. Personal loans cover €1,000 to €75,000 across terms of 12 to 84. Help runs on email and phone for questions at any stage of the application.

Sources

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

Not confirmed yet: APRC.

ComparaJa

ComparaJa

Portuguese residents wanting a regulated broker for home loans and personal credit.

8.9/10See alternatives

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