Banco de Portugal has published the maximum rates applicable to consumer credit agreements for the 2nd quarter of 2026. For intermediaries working with personal loans, car finance, credit cards, credit lines or consolidated credit, this quarterly update should influence how the team prepares and follows simulations.
The news is technical, but the commercial impact is direct: when market conditions change, intermediaries must respond with speed, clarity and organisation. A CRM for credit intermediaries helps prevent scattered cases, lost simulations and duplicated information.
Maximum rates in force in Q2 2026
According to Portal do Cliente Bancário, the maximum rates for contracts signed between 1 April and 30 June 2026 are, depending on the credit type, APR or nominal annual rate:
| Type of credit | Maximum rate |
|---|---|
| Credit cards, credit lines, bank current accounts and overdraft facilities | 19.0% |
| Credit overruns (maximum nominal annual rate) | 19.0% |
| Leasing or long-term rental: new vehicles | 4.8% |
| Leasing or long-term rental: used vehicles | 6.3% |
| Cars and other vehicles: new | 10.8% |
| Cars and other vehicles: used | 14.2% |
| Personal credit for education, health, energy transition and equipment leasing | 8.5% |
| Other personal loans, including home, works, consolidated credit and other purposes | 15.6% |
These rates are maximum limits, not commercial offers. Each institution continues to assess risk, purpose, term, amount and client profile.
Why this matters for credit intermediaries
Each update to maximum rates forces the team to confirm products, simulations and client communication. For CRM Crédito, the key point is this: knowing the rate is not enough; the team must turn that information into organised cases, clear simulations and commercial follow-up.
Where CRM fits into the workflow
When a client asks for consumer credit, the intermediary must collect data, prepare simulations, send information, follow the case and keep everything traceable.
CRM Crédito helps through features already presented on the site:
Simulations in Seconds. Supports fast simulations and clear communication of the credit request costs.
Process Board. Helps the team follow each case and keep it updated.
Client Documentation. Centralises documents and supports sending them to banks from one place.
AI-Powered Summary Tables. Helps present credit conditions more clearly.
Knowledge Base. Keeps essential credit information available to the team.
Account Statement. Supports commission processing and reduces dependence on Excel files.
Conclusion
Consumer credit maximum rates change every quarter. For the client, it may be a news item. For the credit intermediary, it is a work routine that affects simulations, communication and case organisation.
A CRM built for credit intermediaries turns that routine into a simpler operation: cases in one pipeline, clear simulations, centralised documentation, team knowledge and controlled commissions.
Sources
- Banco de Portugal: maximum rates for consumer credit agreements in Q2 2026
- Portal do Cliente Bancário: interest rates in consumer credit
Read also
- Credit Intermediation CRM: The Best Solution to Manage and Increase Approvals
- Credit Advertising 2026: campaign leads need a CRM
- AI and Credit CRM: The New Digital Revolution in Credit Intermediation
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