FAQ's

To pre-approve a loan, you will need the following information/documentation from each of the loan holders:

• Identification of the credit holder(s) (Citizen Card, Passport or Identity Card).
• TIN (Tax Identification Number).
• Most recent tax return and respective income tax assessment note.
• Three most recent payslips.
• Three most recent monthly statements from current account(s).
• Declaration from the employer(s) detailing the nature of the employment relationship (fixed-term contract, open-ended contract). Note: in the case of self-employed workers, you may be asked to provide proof of commencement of activity, as well as the latest independent contractor payment receipts.

A credit intermediary is an entity or company that acts as an intermediary between customers seeking a loan and the financial institutions that provide it. Our main role is to help you find the best financing options for your needs.

Using MaxFinance will bring you numerous advantages, namely:

• Thanks to the many partnerships we have, we have significant negotiating leverage and access to favourable conditions, allowing us to offer you the most suitable solutions;
• You will save time and effort, as we handle the entire process on behalf of the customer (research, negotiation and credit documentation);
• You will have expert counselling in order to make informed choices and assistance with the intricate documentation that a loan process entails.

No! The credit intermediation service doesn't cost the client anything, as MaxFinance has strategic partnerships with several financial institutions, which, when a customer signs a loan agreement, only pay us a fee for the transaction.

We can broker various types of loans, including home mortgage loans, personal loans and credit cards. We can also offer you solutions for insurance, renting, leasing and business financing. Get in touch with us to find out more about the available options.

You can see our updated list of partners here.

No! No customer is required to accept one of the many proposals we will present to them and they are free to ask for as many proposals as they wish.

The maximum amount of borrowing depends on several factors, such as your ability to pay and the type of loan. Our professionals will help you determine the maximum amount you can get.

Approval times vary depending on the type of loan and the financial institution. It can usually take from a few days to a few weeks. Our team will keep you informed of the progress of your request.

Credit intermediation is supervised by the Bank of Portugal. It is up to this organisation to:

• "Grant authorisation to carry out the activity of credit intermediary and to provide consultancy services and revoke it in the cases provided for by law"
• "Create, maintain and permanently update the register of credit intermediaries, available on the Banking Customer Portal"
• "Supervise compliance with the applicable rules"
• "Analyse complaints submitted by consumers regarding credit intermediaries"
• "To penalise breaches of the rules laid down in the legal framework for credit intermediaries"