Portuguese Phrase
Você oferece empréstimos pessoais?
Meaning
A direct, polite question asking whether the listener (usually a bank, credit union, or financial service) provides personal loans. It can be used in both formal and informal settings, but the tone stays courteous.
When to use
Use this sentence when you are inquiring about credit products at a bank branch, over the phone with a loan officer, or even in a casual conversation with a friend who runs a micro‑finance business. It works best when you want a clear yes/no answer before moving on to details like interest rates or repayment terms.
✦Grammar Breakdown
Vocêofereceempréstimospessoais?
Você (pronoun)
Second‑person singular pronoun used in formal or neutral contexts; it does not change with gender.
oferece (verb)
Present indicative of oferecer; third‑person singular form that agrees with the subject Você.
empréstimos (noun)
Plural of empréstimo ‘loan’; masculine noun that requires the article or determiner if used in other contexts.
pessoais (adjective)
Adjective meaning ‘personal’; in Portuguese adjectives normally follow the noun they modify.
Question mark
In spoken Portuguese the intonation rises at the end; the written ? signals a yes/no question.
🗨In Conversation
Você oferece empréstimos pessoais?
Do you offer personal loans?
Sim, temos opções com juros a partir de 1,5% ao mês.
Yes, we have options with interest rates starting at 1.5% per month.
✕Common Mistakes
Você faz empréstimos pessoais?
‘Faz’ means ‘does/makes’; the correct verb for offering a service is ‘oferece’.
Você oferece emprestimo pessoal?
Missing the acute accent on the first ‘e’; the correct spelling is ‘empréstimo’.
Você oferece empréstimo pessoal?
The adjective must agree in number with the noun; use the plural ‘pessoais’.
↔Alternatives
Vocês concedem empréstimos pessoais?
Do you (plural) grant personal loans?
É possível obter um empréstimo pessoal aqui?
Is it possible to get a personal loan here?
Posso solicitar um empréstimo pessoal?
Can I apply for a personal loan?
Cultural Tip
In Brazil, financial conversations are usually formal. Adding a polite opener such as "Bom dia, por favor" or ending with "Obrigado" makes the request sound more courteous. Also, be aware that the word "empréstimo" carries an accent on the first “e”; omitting it is a common spelling error that can change pronunciation and look unprofessional.