Consolidated Credit
Combine your loans and reduce your monthly payment
Fixed Rate SolutionsGuarantees the same monthly payment throughout the contract.
We negotiate for youWe analyze the terms from several banks with you to ensure 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.Multiple credits? Transform everything into a single payment
If reaching the end of the month has become a constant struggle to pay your credits, then our help is important for you!
Thus, instead of worrying about multiple payments, terms, and fees, you will have a single payment, in one institution.Simpler, safer, and more financial freedom to live!
Consolidate credits?
It has never been so simple
01
All in one bankCombine all your credits into one institution and reduce charges and fees02
Lower monthly paymentBetter rates and longer terms allow for more affordable monthly payments. In some cases, the reduction in the monthly payment exceeds 60%03
Longer termsExtend the payment term for a lighter payment and a lower effort rate04
Avoid defaultsKeep your payments organized and protect your credit history, reducing the risk of debtDocuments you will need
CrediSegur helps you gather all the necessary documentation for your Credit Consolidation
• Citizen Card• Proof of residence• Last 3 pay slips or your last green receipts• Last three months of bank statements• Last IRS declaration• IRS settlement note• Responsibility Map from Banco de Portugal• Debt statements of the credits to be consolidated
Free
Simple, fast, and secure process
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Make a simulation with your data02
A dedicated manager will analyze your case03
We find the best solutions04
We present the best terms05
We support you from start to finishDon't be like Carlos, get a Consolidated Credit!
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Illustrative example
Sofia stopped chasing four payments
In this example, she now pays €317/month less by bringing everything together into a single loanSofia is a fictional character, created for illustrative purposes — she does not correspond to a real case.
Result€30,432.00Reduction in the total to pay (8 years)
Monthly savings€317.00
Annual savings€3,804.00
Before you go ahead: bringing short-term debts (car loan, personal loan and credit cards) together into a single loan with a longer term reduces the amount to pay each month, but may mean paying more interest in total over time. Always compare the MTIC of each situation with your CrediSegur advisor before deciding.
Before — 4 separate loans (example)
Car LoanAmount €7,500.00 · Remaining term 5 years · TAN (example) 11.00%
Payment€163.00
Personal Loan (1)Amount €6,500.00 · Remaining term 4 years · TAN (example) 11.75%
Payment€170.00
Personal Loan (2)Amount €4,000.00 · Remaining term 3 years · TAN (example) 11.75%
Payment€132.00
Credit Cards (2)Outstanding balance €3,500.00 · TAN (example) 19.50%Paying only the minimum, much of the amount is absorbed by interest — the debt takes years to be paid off.
Minimum payment€175.00
Total of the monthly payments€640.00
After — Consolidated Personal Loan (example)
Debts incorporated: €7,500 (car) + €6,500 + €4,000 (personal) + €3,500 (cards) = €21,500Total amount
€21,500.00
Term
8 years
TAN(example)
9.75%
Monthly payment
€323.00
TAEG(example)
10.50%
MTIC(example)
€31,008.00
Result€30,432.00Reduction in the total to pay (8 years)
Monthly savings€317.00
Annual savings€3,804.00
Adjust the purpose of your credit to your projects
Bring your projects to life in 5 minutes
Our platform automatically compares TAEG, MTIC, and general conditions, allowing you to make an informed decision and save money.
4.9/5
Consolidated credit without a mortgage allows you to combine multiple credits into a single loan, without the need to provide a property as collateral. This way, you only have one monthly payment, usually lower and easier to manage.
The following can usually be included:Personal creditCredit cardsCar creditLines of creditOverdraftsThe goal is to group multiple debts into a single financing.
No. Unlike consolidated credit with a mortgage, you do not need to own a property to obtain this solution.
In most cases, yes. By combining multiple credits into one, the term can be adjusted, and the monthly payment tends to be lower than the sum of the current payments.
Yes. In some cases, it is possible to include an additional amount of liquidity, beyond the amount needed to settle existing credits. This option depends on the analysis of the financial institution and the client's financial capacity.
This solution is suitable for people who:have multiple active creditswish to reduce monthly chargeswant to simplify the management of their debtsEach case is analyzed individually by financial institutions.
Not negatively. On the contrary, it can help better organize finances and reduce the risk of default, as long as the new credit is managed responsibly.
Typically, the following are requested:
Identification document
Proof of income
Credit responsibility map
Information on existing credits
The process can take a few days to a few weeks, depending on the analysis of the financial institutions and the documentation provided.
The simplest way is to simulate for free with a specialist. At CrediSegur, we analyze your situation and help you understand if credit consolidation can reduce your monthly payment and improve your financial balance.
Free