Credit Car or Motorcycle
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Fixed and Variable RateGuarantees the same monthly payment throughout the contract.
We negotiate for youWe analyze the terms from various banks and work side by side with them to get you the best conditions.
100% online processApprove your financing without leaving home until the moment of signing the contract.
Authorized by Banco de PortugalCredit intermediary no. 0001290
CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services.
Covered Credit Contracts: Mortgage and Consumer Credit.
Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.
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 over €4,900 on his car loanJoão is a fictional character, created for illustrative purposes — he does not correspond to a real case.In this example, the financing proposal presented at the dealership had a rate 4 percentage points higher than the alternative negotiated by CrediSegur — a difference of almost €5,000 over the life of the loan.
Better terms, more savings€4,941.37Total savings (10 years)
Monthly savings€41.17
Annual savings€494.04
Dealership proposal (example)CrediSegur proposal (example)
Loan
€18,000.00
€18,000.00
Term
10 years
10 years
Interest rate (TAN)
13.50%
9.50%
Monthly payment
€274.09
€232.92
TAEG(example)
14.10%
10.00%
MTIC(example)
€32,891.25
€27,949.87
Better terms, more savings€4,941.37Total savings (10 years)
Monthly savings€41.17
Annual savings€494.04
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Our platform automatically compares TAEG, MTIC, and general conditions, allowing you to make an informed decision and save money.
4.9/5
Auto credit allows you to buy a vehicle and pay in monthly installments over a defined period. At CrediSegur, we analyze your profile and present the best options on the market.
Yes. You can finance new and used vehicles. For used cars, the most common solution is consumer credit for automotive purposes.
In many cases, yes. It all depends on your financial profile, the value of the vehicle, and the banking institution.
It can vary from a few hours to a few days, depending on the bank and the documentation.
Typically, the following are requested:• ID Card• Address proof• Income documentation• Latest tax return• Credit responsibilities map
Pre-approval allows you to know how much you can spend before going to the dealership, increasing your negotiating power.
Yes. At CrediSegur, we handle financing and auto insurance in the same process, simply and quickly.
It depends on your goal. A recent used car is often more advantageous in terms of total cost. A new car offers more peace of mind, technology, and warranty.
It depends on what you value more: speed and simplicity or a higher sale price?Trade-in at the dealership:• Faster and simpler• Less bureaucracy• Sale price is generally lowerSelling to a private party:• You can negotiate a higher price• Takes more time, ads, and contacts• Involves more bureaucracy and negotiation
In most cases, banks do not grant auto credit with ownership reservation for used vehicles, as it is more difficult to assess the real market value of second-hand vehicles. Therefore, the most common solution is consumer credit for automotive purposes.With this type of financing, it is possible:• Buy used cars• Finance up to 100% of the value• No down payment requiredAt CrediSegur, we analyze your profile and present you with the most advantageous options on the market.
With Auto Credit, you pay the total value of the vehicle in installments, meaning the car is always yours and there is no return at the end of the contract.In the case of Leasing, you pay a monthly fee for the use of 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 case.
Yes. The Stamp Duty applies to the opening of the credit, the interest, and the associated fees.These amounts are always included in the total cost of the financing. We explain everything to you before you proceed!
A credit intermediary is an entity authorized by Banco de Portugal that acts as a bridge between the client and the banks, helping to find the best financing solutions, compare terms, and accompany the entire process.CRRF – BROKERAGE, LDA., owner of the CrediSegur brand, is an authorized credit intermediary that operates with total transparency and without exclusive ties to any financial institution, always ensuring you the option most suitable for your profile.
The simulation allows you to quickly compare market offers and identify, approximately, the rates and conditions practiced by different banks, helping you make an informed decision, save time, and avoid unnecessary costs.The simulations presented in our comparators are summary analyses and estimates, based on the average conditions practiced by financial institutions, not constituting formal proposals, official bank simulations, any type of credit approval, or contractual binding.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank proposals, which may indeed generate contractual binding in case of acceptance by the client.At CrediSegur, you have the support of credit specialists who accompany you throughout the process, from simulation to contract formalization, ensuring a simple, secure, and personalized experience.
The process is 100% online and free!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 binding. Only with your consent and after collecting the necessary information and documentation can we request and analyze formal bank proposals, which may indeed generate contractual binding in case of acceptance.
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