A cookie is a small text file placed on your device (computer, smartphone, tablet) by the server of the website you visit. It allows the site to remember certain information about you during your browsing and during your subsequent visits. Cookies cannot damage your device or access any information other than that which has been placed on it.
In accordance with Article 82 of the Portuguese Data Protection Act (Law No. 58/2019) and the recommendations of the CNPD (Portuguese Data Protection Authority), placing certain cookies on your device requires your prior consent. Other cookies, strictly necessary for the operation of the site, are placed without your consent.
Cookies fall into two categories depending on how long they are kept. Session cookies are temporary: they notably keep your connection to your client area active throughout your visit and are automatically deleted when you close your browser. Persistent cookies remain stored on your device after you close your browser, for a set period, and allow us to remember your preferences (chosen language, cookie consent) during your subsequent visits.
These cookies are essential for the operation of the site and cannot be disabled. They do not store any information that personally identifies you.
These cookies allow us to measure the number of visits and traffic sources in order to improve the site's performance. In particular, they measure the number of visitors, the most-viewed pages and browsing paths, in an aggregated and anonymous form, so that we can continuously improve the usability and content of our pages. They are placed only with your consent.
These cookies are placed by our advertising partners to show you relevant advertisements on other websites and to measure the effectiveness of our campaigns. They make it possible to personalise the advertising content shown to you, both on our site and on third-party sites, based on your browsing activity and your presumed interests. They are placed only with your express consent.
Technical cookies are essential to the operation of the site: they enable in particular navigation between pages, secure access to your client area, and the functioning of the credit simulator. These cookies do not require your prior consent.
Certain cookies are directly involved in the security of your client area, in particular as part of strong two-factor authentication and the detection of suspicious login attempts described on our fraud prevention page.
A technical cookie also remembers the language you have chosen while browsing, in order to automatically present the site's content in that language during your subsequent visits, without you having to repeat this choice on every page.
Certain cookies may be placed by third-party partners (social networks, advertising networks) as part of features integrated into the site. Sodefina does not exercise direct control over these third-party cookies, the use of which is governed by the privacy policies of their respective publishers.
With the exception of analytics cookies that produce strictly anonymous data, the placing of analytics cookies is subject to your prior consent, which you may freely grant or refuse via our cookie management banner. The placing of marketing cookies is systematically subject to your prior explicit consent; in the absence of consent, no marketing cookie is placed on your device, and your browsing is not affected by this.
More generally, refusing analytics or marketing cookies does not in any way affect your access to the essential features of the site and your client area. Only the personalisation of certain content and detailed audience measurement may be limited.
On your first visit, a banner informs you of the use of cookies and allows you to accept or refuse non-essential cookies. This choice is remembered for your subsequent visits, until you change it. You can also change your cookie preferences at any time in three ways:
You may change your preferences at any time by accessing the cookie management module available in the footer of our site, or by changing your browser settings. Details of the cookies actually placed on your device, together with their purpose and respective retention period, can be viewed at any time via this same module.
You may also configure your browser to systematically refuse the placing of cookies, or to be notified before any cookie is placed. Please note that refusing technical cookies may affect the proper functioning of the site, in particular access to your client area.
The retention period of a cookie varies according to its purpose: session cookies are deleted when you close your browser, while persistent cookies may be kept for up to 13 months, in accordance with data protection recommendations. Your consent to non-essential cookies is valid for that same maximum period of 13 months, after which you will be asked again to confirm your preferences.
Some of our providers, in particular Google Analytics and Facebook Pixel, may transfer data to third countries (United States). Certain other third-party cookies, notably those linked to social networks or to certain international advertising networks, may likewise involve a transfer of data outside the European Union. Where such transfers exist, they are governed by Standard Contractual Clauses (SCC) approved by the European Commission and/or by equivalent certification mechanisms required by the GDPR. For more information, please consult the privacy policies of each provider.
The site is not intended for minors. Sodefina does not knowingly collect data via cookies from minors and invites legal representatives to remain vigilant regarding the use of the site by minors in their care.
The principles described on this page apply identically when browsing from a mobile device or our application, subject to the same consent and transparency requirements.
The processing of data collected via cookies falls within the broader framework of our privacy policy, which sets out all of your rights regarding the protection of personal data.
Sodefina reserves the right to amend this cookie policy to take account of developments in our tools, our partners, or the applicable regulatory framework. We invite you to consult this page regularly.
Data controller: Sodefina S.A., DPO: dpo@sodefina.eu
Can I use the site without accepting any cookies? Yes, strictly necessary cookies are sufficient for browsing, but certain advanced features may be limited.
Do cookies contain my bank details? No, no bank data is stored in a cookie.
How can I delete cookies already placed? Via your browser's privacy settings.
What happens if I refuse all non-essential cookies? You keep full access to Sodefina's credit services; only personalisation and detailed audience measurement are limited.
For any question relating to our use of cookies, contact our customer service via our contact form, or consult our privacy policy for full information on the processing of your personal data.
This page was last updated in March 2024.
Simulate your project in a few clicks — simple and commitment-free!
Please enter an amount between €3,000 and €75,000
Repayment term
Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
Your personalised simulation
— Our loan proposal is adjustable —
(1) Excluding optional insurance. Indicative simulation. Subject to acceptance. Indicative fixed APR. Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
The optional monthly insurance premium is 0.70% of the outstanding balance. The first premium is the highest. Check your eligibility.