Credit for Car or Motorbike
Compare auto credit offers from the institutions we work with, through a tied credit intermediary
Fixed or variable rateWith a fixed rate, the monthly payment stays the same throughout the contract; with a variable rate, it follows the evolution of the benchmark index.
We negotiate for youWe compare the conditions of the institutions we have tied-agency agreements with and show you the proposals side by side, with TAEG and MTIC.
Online applicationHandle your application without leaving home, all the way through to signing the contract with the bank.
Vehicle new or used? Your journey starts here
Illustrative example
João is going to buy a car and made the right choice
In this example, comparing proposals before deciding allowed him to save more than €4,900 on his auto creditJoão is a fictional character created for illustrative purposes — this does not correspond to a real case.In this example, the financing proposal presented at the dealership had an interest rate 4 percentage points higher than the proposal from a bank that CrediSegur presented to João — a difference of more than €4,900 over the life of the loan.
The difference in the total cost€4,918.33Total savings (10 years)
Dealership proposal (example)TAEG 13.64%
Proposal from a bank obtained by CrediSegur (example)TAEG 8.97%
Monthly savings€39.41
Annual savings€472.92
Dealership proposal (example)
Proposal from a bank obtained by CrediSegur (example)
Cash price (used vehicle)
€22,500.00
€22,500.00
Down payment
€4,500.00
€4,500.00
Loan
€18,000.00
€18,000.00
Term
10 years
10 years
Interest rate (TAN)
11.50%
7.50%
Upfront costs (fees and Stamp Duty)
€628.80
€628.80
Monthly payment
€253.07
€213.66
TAEG (example)
13.64%
8.97%
MTIC (example)
€31,491.95
€26,573.62
TAEG and MTIC include the opening fee of €300.00, with Stamp Duty of 4%, Stamp Duty of 1.76% on the credit amount and 4% on the interest. Both proposals have the same charges; only the rate changes.
The difference in the total cost€4,918.33Total savings (10 years)
Dealership proposal (example)TAEG 13.64%
Proposal from a bank obtained by CrediSegur (example)TAEG 8.97%
Monthly savings€39.41
Annual savings€472.92
Match the purpose of your credit to your projects
Choose the purpose and compare offers with no obligation- Consolidate credit
Combine several loans into one and keep just a single monthly paymentLearn more - Construction or Renovation
I’m renovating my home and need to do small works or repairsLearn more - Furniture and Decoration
Now that I’ve bought a home, I need a loan to buy furnitureLearn more - Personal Credit with no specific purpose
I have personal projects and need a loan to make them happenLearn more
What people say about us
See all reviews on GoogleReviews published by users on Google; CrediSegur does not verify whether the author is a client.
Union de Créditos Inmobiliários, S.A. – Sucursal em Portugal
COFIDIS
SICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
Caixa Geral de Depósitos, S.A.
BNP Paribas Personal Finance, S.A. – Sucursal em Portugal
BBVA, Instituição Financeira de Crédito S.A.
Bankinter, S.A. – Sucursal em Portugal
Banco CTT, S.A.
Banco BPI, S.A.
Banco Santander Totta, S.A.
Novo Banco, S.A.
Banco de Negócios Internacional (Europa), S.A.
ABANCA Portugal, S.A.
Auto credit allows you to buy a vehicle and pay in monthly installments over a defined term. At CrediSegur we analyze your profile and show you the proposals from the institutions we have tied-agency agreements with.
Yes. You can finance new and used vehicles. For used cars, the most common solution is consumer credit for auto purposes.
In many cases, yes. It all depends on your financial profile, the value of the vehicle and the bank.
It can range from a few hours to a few days, depending on the bank and the documentation.
As a rule, you’ll be asked for:• ID Card• Address proof• Income documentation• Latest tax return• Credit responsibilities map
Pre-approval is granted by the credit institution after analyzing your application; it lets you know how much you can spend before you go to the dealership.
Yes. At CrediSegur we handle your credit application, as a credit intermediary, and your Auto Insurance, as an insurance agent, in the same process.
It depends on your goal. A recent used car is usually more advantageous in terms of total cost. A new car offers more peace of mind, technology, and warranty.
It depends on what you value most: speed and simplicity or a higher sale price?Trade-in at the dealership:• Faster and simpler• Less paperwork• Usually a lower sale pricePrivate sale:• You can negotiate a higher price• Requires more time, listings, and contacts• Involves more paperwork and negotiation
You can finance a used car with Auto Credit — the institutions we work with have specific conditions for used vehicles, often with a title reservation in favor of the bank until you finish paying the credit — or with Personal Credit for car purchase. We compare both options with you.With this type of financing, you can:• buy used cars;• finance up to 100% of the value;• skip the initial down payment.At CrediSegur we analyze your profile and show you the proposals from the institutions with whom we have a binding agreement.
With auto credit, you pay the full value of the vehicle in installments, meaning the car is always yours and there is no return at the end of the contract.With leasing, you pay a monthly amount to use the car and only keep the vehicle at the end if you pay the residual value. This is usually applied to new cars.At CrediSegur we help you understand which of these options makes more sense for your situation.
Yes. Stamp Duty applies to the use of credit, interest, and fees.These amounts are always included in the total cost of the financing. We explain everything before you move forward!
A credit intermediary is an entity registered with Banco de Portugal that presents the client with credit proposals from the institutions it works with and supports the client in the preparatory steps of the contract.CRRF – Brokerage, Lda., owner of the CrediSegur brand, is a tied credit intermediary (registration no. 0001290): it works with several institutions with which it has a binding agreement, on a non-exclusive basis, and does not provide advisory services. The decision on the credit is always made by the credit institution.
The simulation lets you quickly compare the conditions of the institutions we work with and get an approximate idea of the rates they apply, helping you make an informed decision, save time, and avoid unnecessary costs.The simulations shown in our comparison tools are summary analyses and estimates, based on the average conditions applied by financial institutions. They do not constitute formal proposals, official bank simulations, any type of credit approval, or contractual obligation.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank proposals, which may indeed give rise to a contractual obligation if accepted by the client.At CrediSegur, a tied credit intermediary, you have the support of managers who guide you from the simulation through to signing the contract with the bank.
The process is 100% online and our intermediation service has no cost for you.1. Define the loan amount and duration2. Indicate the credit purpose and other relevant information for calculation and condition simulation (such as income, employment situation, current expenses, among others)3. Obtain an estimate of conditions based on your financial profile4. Our platform summarily analyzes market conditions and identifies the most competitive options, helping you save time, avoid bank visits, and understand which solutions might work best for you.The simulations presented are estimates and do not constitute formal proposals, credit approvals, or any contractual obligation. Only with your consent and after collecting the necessary information and documentation can we request and analyze formal bank proposals, which may indeed give rise to a contractual obligation if accepted.
Intermediation at no cost