Credito Agricola review
Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Credito Agricola is a Portuguese direct lender whose personal loans run €3,000 to €75,000 at a fixed rate of up to 13.4% under Caixa Central de Credito Agricola Mutuo. It suits borrowers in Portugal who want a mid-sized instalment loan repaid over 36 to 84 and who can pass a hard credit check.
Key facts
- Best for
- A fixed-rate personal loan from a Portuguese lender, sized for mid-sized needs rather than small advances.
- APR
- up to 13.4% (Source, checked September 26, 2026)
- Loan amount
- €3,000 to €75,000 (Source, checked September 26, 2026)
- Term
- 36 to 84 months (Source, checked September 26, 2026)
- Arrangement fee
- 200 EUR opening commission (comissao de abertura) plus 8 EUR stamp duty (imposto do selo) (Source, checked September 26, 2026)
- Credit check
- Hard (Source, checked September 26, 2026)
- Representative example
- Credito Pessoal of 10,000.00 EUR over 36 months at a fixed TAN of 9.55%: TAEG 13.4%, monthly payment 320.56 EUR, total amount owed 11,985.89 EUR (Source, checked September 26, 2026)
- Rate type
- Fixed (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Eligibility
- Ages 18+; new or existing Credito Agricola customers, in Portugal (Source, checked September 26, 2026)
- Loan types
- Personal (Source, checked September 26, 2026)
- Legal entity
- Caixa Central de Credito Agricola Mutuo (Source, checked September 26, 2026)
- Headquarters
- Portugal (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Fixed rate
- Official website
- creditoagricola.pt
Pros and cons
Pros
- Fixed pricing on fixed with a fixed rate structure, so the instalment does not move after signing.
- Amounts of €3,000 to €75,000 sit well above the €876.96 median loan size across the comparison.
- Support covers phone, email and help centre, giving borrowers phone, email and a help centre.
- Lending is direct, direct lender, so the price comes from the group itself rather than a broker's panel.
Cons
- An opening commission and a stamp duty are charged at the start, so the annual rate of up to 13.4% is not the full cost of borrowing.
- Personal loans only, personal, so anyone after a credit line or a consolidation deal has nothing here.
- A hard credit check, hard, rules out applicants with a thin credit file.
Who it suits
- Adults in Portugal applying for the first time or already banking with the group.
- Borrowers who want a level instalment across 36 to 84 rather than a variable rate, since the rate type is fixed.
- People who need a mid-sized sum of €3,000 to €75,000 and can clear a hard check.
Who should look elsewhere
- Cashspace, listed at PHP 12 to PHP 36, if you want a different rate band to weigh against up to 13.4%.
- Cashspace ES, with a rate of 0%, for anyone who would rather pay nothing on a short balance.
- Monzo Flex, priced at 10% to 23%, if a higher rate ceiling than up to 13.4% works better.
How Credito Agricola compares
9.3 vs 8.9- 9.3 vs 8.7
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DKB (Deutsche Kreditbank)
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9.3 vs 8.9
9.3 vs 8.8Multitude
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Cashback Remortgage
9.3 vs 8.8
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9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1- 9.3 vs 9.1
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9.3 vs 9.0
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9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9
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9.3 vs 8.9TengeDa
9.3 vs 8.9
9.3 vs 8.8
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Where Credito Agricola is available
- Available
- Portugal
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much can I borrow?+
The loan amount runs €3,000 to €75,000, which is far above the €876.96 median for personal loans across the comparison. It is a personal loan, personal, aimed at mid-sized needs rather than small short-term advances.
How long do I have to repay it?+
Terms run 36 to 84, so the repayment window is set at the start and does not change with the market. The published example pairs a fixed rate with a TAEG of up to 13.4%, which is the number to weigh against your own budget.
What rate do I pay and can it change?+
The rate is fixed, fixed, and the annual figure is up to 13.4%. Most personal loan lenders in the comparison sit at a 12.25% median, so this sits in line with the field. Because the model is fixed rate, the instalment stays level across the whole term.
What fees are charged on top of the interest?+
An opening commission and a stamp duty are both charged when the loan starts, before the first instalment. Budget for both on top of the annual rate of up to 13.4%, since the published example shows the total repaid sitting well above the amount drawn.
What credit check do I need to pass?+
Applications run a hard credit check, hard, the same standard used by 76.5% of lenders in the personal loan comparison. Applicants with thin files or recent misses should expect a decision against them rather than a soft assessment.
Who can apply?+
The loan is open to adults in Portugal, and both new applicants and existing Credito Agricola customers can apply. The lender is Portuguese, PT, and lends direct, direct lender, so the credit decision comes from the lender itself.
Who is behind the loan?+
The lending entity is Caixa Central de Credito Agricola Mutuo, a group based in Portugal. As a direct lender, direct lender, the money and the decision sit with the group, so the terms on offer are its own published campaign rates.
How does the cost compare with other lenders?+
At up to 13.4% the loan sits close to the 12.25% median for personal loans and inside the 6.86% to 25.03% middle band. On loan size the brand ranks 186 of 685 brands compared.
How do I get help once the loan starts?+
Help runs on phone, email and help centre, so a phone call, an email and the online help centre are all in scope. The same channels cover questions before and after the loan starts, which suits borrowers who bank online rather than in branch.
Sources
- creditoagricola.pt/ajuda/para-mim/financiar/credito-pesso... checked September 26, 2026
Backs: Credit check
- creditoagricola.pt/institucional/o-grupo-ca/contactos checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
- creditoagricola.pt/particulares/campanha-de-credito-pessoal checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term
“Credito Pessoal sem finalidade especifica: Montante Minimo 3.000,00 EUR, Montante Maximo 75.000,00 EUR”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Funding time.
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Reviews
Credito Agricola
A fixed-rate personal loan from a Portuguese lender, sized for mid-sized needs rather than small advances.