Skip to content
CrediSegur — home page
Hand arranging blocks like steps, symbolizing credit consolidation

Credit Consolidation

Combine your credits into a single monthly payment
How much do you need?
€
2,500 €75,000 €
Over how long?
months
6 months84 months
Google
4.9/5 Google
Fixed-rate solutionsGuarantees the same monthly payment throughout the entire contract.
We negotiate for youWe compare with you the offers from the institutions we’re tied to, with TAEG and MTIC side by side.
Online applicationHandle your application without leaving home, right up to signing the contract with the bank.

Do you have several loans? Combine them into a single payment

If you have several monthly payments to manage, a consolidated credit combines them into a single contract. Before deciding, compare the total amount to be paid (MTIC) before and after.
A consolidated credit lets you combine your Personal Credit, credit cards and credit lines into a single loan.
So instead of worrying about several payments, terms and fees, you’ll have just one monthly payment, with a single institution.If you extend the term, the monthly payment may go down, but the total interest may go up.
Colorful ropes tied in a knot, symbolizing several credits joined into one

Consolidate credit?

It’s never been this simple

01All with a single institution

You’ll have just one monthly payment and a single contract to manage.

02Lower monthly payment

Combining your credit into one loan and extending the term can lower your monthly payment, but usually increases the total interest paid.

03Longer terms

Extend the repayment term for a lighter monthly payment and a lower effort rate.

04Organized payments

With just one monthly payment, you only have one due date to keep track of.

Documents you’ll need

CrediSegur helps you gather all the documentation needed for your consolidated credit
• Citizen Card• Proof of address• Last 3 pay slips or your latest green receipts• Bank statements for the last three months• Most recent IRS tax return• IRS tax assessment notice• Credit Liabilities Report from Banco de Portugal• Debt statements for the loans to be consolidated
Puzzle pieces fitting together, symbolizing organized monthly payments
Intermediation at no cost

Simple, fast and secure process

  1. Run a simulation with your details
  2. A dedicated manager will analyze your case
  3. We compare the offers from the institutions we work with
  4. We show you the offers side by side, with TAEG and MTIC
  5. We support you from start to finish

See Carlos’ story and compare before consolidating

Illustrative example

Sofia stopped chasing four different monthly payments

In this example, she started paying €286.67 less per month by bringing everything together into a single creditSofia is a fictional character created for illustrative purposes — this is not a real case.
Illustrative photo of a woman holding a sheet of paper
Result€286.67Monthly payment reduction€2,450.70Increase in the total amount to be paid (7 years)
Term 7 years
TAEG 11.26%
Before moving forward: combining short-term debts (auto credit, Personal Credit and credit cards) into a single credit with a longer term reduces the amount you pay every month, but may mean paying more interest in total over time. Always compare the MTIC for each scenario with your CrediSegur manager before deciding.
Payment reduction over one year€3,440.04
Before — 4 separate credits (example)
Auto Credit (used car)Amount €7,500.00 · Remaining term 5 years · TAN (example) 11.00% · TAEG (example) 12.93% · MTIC (example) €10,007.58
Monthly payment€163.07
Personal Credit (1)Amount €6,500.00 · Remaining term 4 years · TAN (example) 11.75% · TAEG (example) 14.00% · MTIC (example) €8,359.28
Monthly payment€170.37
Personal Credit (2)Amount €4,000.00 · Remaining term 3 years · TAN (example) 11.75% · TAEG (example) 14.33% · MTIC (example) €4,866.67
Monthly payment€132.38
Credit cards (2)Outstanding balance €3,500.00 · TAN (example) 16.00%By paying only the minimum, a large part of the amount is absorbed by interest — the debt takes years to be paid off.
Minimum payment (5% of the balance)€175.00
Total monthly payments€640.82
After — consolidated Personal Credit (example)
Debts included: €7,500 (auto) + €6,500 + €4,000 (personal) + €3,500 (cards) = €21,500
Total amount
€21,500.00
Term
7 years
TAN (example)
9.75%
Upfront costs (fees and Stamp Duty)
€378.40
Monthly payment
€354.15
TAEG (example)
11.26%
MTIC (example)
€30,456.96
Result€286.67Monthly payment reduction€2,450.70Increase in the total amount to be paid (7 years)
Term 7 years
TAEG 11.26%
Payment reduction over one year€3,440.04
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 133/2009 and Banco de Portugal Notice no. 5/2024; the actual values are set out in the Standard European Consumer Credit Information provided by the lending credit institution. CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290. Credit consolidation is subject to analysis and approval by the lending credit institution and to the settlement of existing credits. For fixed-rate credits, the bank may charge an early repayment fee of up to 0.5% of the repaid principal (0.25% if there is one year or less remaining on the contract), which is not included in this example. Extending the term increases the total amount of interest paid.

Match the purpose of your credit to your projects

Choose the purpose and compare offers with no obligation
  1. Used car or motorcycle
    Compare the dealership’s financing with the offers from the institutions we work with.Learn more
  2. New car or motorcycle
    Finance the vehicle outside the dealership and compare the TAEG before deciding.Learn more
  3. Construction or Renovation
    I’m renovating my home and need to do small works or repairsLearn more
  4. Furniture and Decoration
    Now that I’ve bought a home, I need a loan to buy furnitureLearn more
  5. Personal Credit with no specific purpose
    I have personal projects and need a loan to make them happenLearn more
Our platform automatically compares TAEG, MTIC and general conditions, helping you make an informed decision and save money.

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.
  • Logótipo UCIUnion de Créditos Inmobiliários, S.A. – Sucursal em Portugal
  • Logótipo CofidisCOFIDIS
  • Logótipo Crédito AgrícolaSICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
  • Logótipo CGDCaixa Geral de Depósitos, S.A.
  • Logótipo CetelemBNP Paribas Personal Finance, S.A. – Sucursal em Portugal
  • Logótipo BBVABBVA, Instituição Financeira de Crédito S.A.
  • Logótipo BankinterBankinter, S.A. – Sucursal em Portugal
  • Logótipo CTTBanco CTT, S.A.
  • Logótipo BPIBanco BPI, S.A.
  • Logótipo SantanderBanco Santander Totta, S.A.
  • Logótipo Novo BancoNovo Banco, S.A.
  • Logótipo BNI EuropaBanco de Negócios Internacional (Europa), S.A.
  • Logótipo ABANCAABANCA Portugal, S.A.
Consolidated credit without mortgage lets you bring several credits together into a single loan, without needing to give a property as collateral. This way you have just one monthly payment, easier to manage; if the term increases, the total interest may go up.
You can usually include:Consumer creditCredit cardsAuto creditCredit linesBank overdraftsThe goal is to group several debts into a single financing.
No. Unlike consolidated credit with mortgage, you don’t need to own a property to get this solution.
In most of the cases we handle, the monthly payment goes down because the term increases; the total interest may go up — always compare the MTIC.
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 financial institution’s assessment and the customer’s financial capacity.
This solution is suitable for people who:have several active creditswant to reduce monthly costswant to simplify the management of their debtsEach case is analyzed individually by the financial institutions.
Consolidating does not erase your history: the settled credits and the new credit are recorded in the Mapa de Responsabilidades de Crédito do Banco de Portugal.
The following are usually requested: Identification document Proof of income Credit responsibilities report Information on existing credits
The process can take from a few days to a few weeks, depending on the financial institutions’ analysis and the documentation provided.
Run a simulation and compare the total amount to be paid (MTIC) on your current credits with that of the consolidated credit. A CrediSegur manager, a tied credit intermediary, will show you the proposals from the institutions we work with; the decision is yours and approval is up to the bank.
Intermediation at no cost

Personal Credit simulation

Fill in the form and a manager will get in touch with you.
What do you need?
How much do you need?
€
Applicants
Do any of the applicants have loans in default?
About the 1st applicant
What is your monthly income?
€
Contacts
Required so we can submit your request.
By the way, where else can we help you save?By selecting one or more areas, you authorize CrediSegur to contact you about those areas. You can withdraw this authorization at any time, just as easily as this one, in each email or in your client area. Your data will only be shared with a partner if you authorize it in a specific checkbox that identifies that partner.

Stay up to date with all the news

Get tips on how to save on credit, insurance, and energy.