Eu não quero fazer um empréstimo com juros altos.

Yes, you can. In Brazilian Portuguese, subject pronouns are often optional because the verb form already shows who is doing the action.

• Eu não quero... = I don’t want...
• Não quero... also means I don’t want...

Including eu can add emphasis, contrast, or clarity. For example:

• Eu não quero, mas ele quer. = I don’t want to, but he does.

So in everyday speech, leaving out eu is very common.

In Portuguese, não normally goes directly before the verb it negates.

• Eu não quero = I do not want
• Ela não gosta = She does not like
• Nós não podemos = We cannot

This is different from English, which uses do not in many cases. Portuguese does not need a helper verb like do here.

Literally, quero fazer means I want to do/make. In this sentence, fazer um empréstimo is a common way to say to take out a loan or to get a loan.

So:

• quero fazer um empréstimo = I want to take out a loan

Even though fazer often means to do or to make, Portuguese uses it in many expressions where English uses a different verb.

No. It is common and natural, but there are other possibilities.

Some alternatives are:

• fazer um empréstimo = common, everyday
• pegar um empréstimo = more informal, like get a loan
• contrair um empréstimo = more formal, often used in financial or official contexts

So this sentence sounds natural, especially in general conversation.

They are related, but they are different parts of speech:

• empréstimo = loan, lending, a noun
• emprestar = to lend, a verb

Examples:

• Eu fiz um empréstimo. = I took out a loan.
• Você pode me emprestar dinheiro? = Can you lend me money?

A useful contrast:

• pedir um empréstimo = to ask for a loan
• fazer um empréstimo = to take out a loan
• emprestar dinheiro = to lend money

Um is the indefinite article, meaning a or an.

• um empréstimo = a loan

It is used because the sentence refers to a loan in a general sense, not a specific one already known in the conversation.

Compare:

• Quero fazer um empréstimo. = I want to take out a loan.
• Quero fazer o empréstimo. = I want to take out the loan / I want to proceed with the loan
  This sounds like a specific loan already discussed.

In Portuguese, juros is usually used in the plural when talking about interest in the financial sense.

So:

• juros = interest
• juros altos = high interest / high interest rates

Because juros is plural, the adjective also has to be plural:

• alto → singular masculine
• altos → plural masculine

That is why the sentence uses juros altos.

In Portuguese, adjectives often come after the noun.

• juros altos = high interest
• casa grande = big house
• carro novo = new car

Sometimes adjectives can come before the noun, but after the noun is the most neutral and common position. In this sentence, juros altos is the standard order.

It means with high interest or at a high interest rate.

The phrase com juros altos describes the loan:

• um empréstimo com juros altos = a loan with high interest

Here, com means with, and the whole phrase works like a description of the noun empréstimo.

You can think of it as:

• loan + with high interest

Sometimes yes, but com juros altos is the most straightforward and widely understandable choice for learners.

• um empréstimo com juros altos = very natural
• um empréstimo a juros altos = also possible, more tied to financial phrasing

If you are unsure, com juros altos is a safe and natural option.

Quero is not rude by itself, but it can sound direct depending on the situation. If you want to sound softer or more polite, you could say:

• Eu não gostaria de fazer um empréstimo com juros altos. = I wouldn’t like to take out a loan with high interest.
• Eu não queria fazer um empréstimo com juros altos. = I didn’t want / I wouldn’t want to take out a loan with high interest.
  In context, this can sound softer.

So não quero is perfectly correct, but there are gentler alternatives.

In natural speech, a Brazilian speaker might drop eu:

• Não quero fazer um empréstimo com juros altos.

They might also choose a slightly different verb:

• Não quero pegar um empréstimo com juros altos.

Or, depending on context, even shorten the idea:

• Não quero um empréstimo com juros altos.

All of these are natural. The original sentence is completely correct and clear.

A rough pronunciation guide for English speakers:

• não sounds roughly like nowng, with a nasal ending
• empréstimo sounds roughly like em-PRES-chee-mo in many Brazilian accents, though the exact pronunciation can vary

A few tips:

• não has nasalization, which is very important in Portuguese
• in Brazil, the ti in empréstimo often sounds like chi before i

So many speakers pronounce empréstimo close to em-PRES-chee-mo.

Not perfectly. A word-for-word breakdown is:

• Eu = I
• não = not
• quero = want
• fazer = do/make
• um empréstimo = a loan
• com juros altos = with high interest

But natural English would usually be:

• I don’t want to take out a loan with high interest.
• I don’t want to take out a high-interest loan.

So the structure is not identical between the two languages, even though the meaning matches well.