Personal Credit Personal
Compare various solutions in seconds. 100% free!
100% online processApprove your financing process without leaving home until the deed.
No costs or commissionsWe are paid by the banks, so you will not incur any penalties for that.
Safe and confidentialProtection of your data and documents throughout the process in accordance with GDPR
100% online processApprove your financing process without leaving home until the deed.
No costs or commissionsWe are paid by the banks, so you will not incur any penalties for that.
Safe and confidentialProtection of your data and documents throughout the process in accordance with GDPR
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.Bring your projects to life with Personal Credit
Travel, renovate, study, or change your car?
Simulator for Personal Credit (no specific purpose)
In just 5 minutes, you can compare several proposals simply, quickly, and 100% online. Shall we?
1. Indicate the purpose of the financing2. Choose the amount and term of the credit3. Receive personalized simulations based on your financial profile4. We analyze your effort rate and, if it is misaligned, we present realistic alternatives for your financial balance5. One of our specialists will contact you to assist you throughout the process
Save time, find the best interest rates, and avoid trips.
Approval of Personal Credit (no specific purpose)
Access financing simply, quickly, and securely.
1. The personal credit contract is formalized with the chosen financial institution2. The amount is transferred directly to your bank account
From that moment on, you can use the amount for the chosen purpose (except for the down payment of a mortgage).
Free
Simple, fast, and secure process
01
Make a simulation with your data02
A dedicated manager will analyze your case03
We find the best solutions04
We present the best proposal05
We accompany you from start to finishAdjust 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
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 proposals, 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 most suitable option 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 obligation.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank proposals, which may indeed generate a contractual obligation 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 term2. Indicate the credit purpose and other relevant information for calculation and simulation of conditions (such as income, employment status, current charges, among others)3. Get an estimate of conditions based on your financial profileOur platform summarizes the conditions practiced in the market and identifies the most competitive options, helping you save time, avoid trips to the banks, and understand, approximately, what the best solutions for you might be.
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 generate a contractual obligation in case of acceptance.
To proceed with a personal credit request, it is necessary:• Legally reside in Portugal• Be at least 18 years old and not over 75 years old at the end of the contract• Have a stable employment and financial situation• Present a debt-to-income ratio equal to or less than 50%• Have no payment defaults or negative history with financial institutions
No. The simulations presented in the comparator do not constitute binding proposals from financial institutions. They serve only to provide a generic and indicative framework about the conditions currently practiced in the market, based on the data entered.Final values, rates, terms, and other conditions are only confirmed after individual analysis of the process by the financial institution and issuance of a formal proposal. There may be variations due to risk criteria, commercial policy, rounding, and other specific conditions of each entity.
No. The interest rates presented in the simulator correspond to average market values and do not include insurance associated with the credit, which may be required by some financial institutions.The costs of insurance and other mandatory charges are reflected in the TAEG (Annual Percentage Rate) and in the MTIC (Total Amount Charged to the Consumer), which are only fully defined after the individual analysis of the process and the issuance of a formal proposal by the financial institution.
There is no legal obligation to take out insurance for personal credit. However, its requirement may depend on the internal policy of each financial institution.In some cases, insurance may be requested to:Enhance the interest rateImprove the financial framework of the processReinforce the guarantees associated with the creditThe most common are life insurance, which guarantees the payment of the credit in case of death or disability, and Credit Protection Insurance, which may include coverage such as involuntary unemployment or temporary incapacity for work.Whenever applicable, the costs of these insurances are reflected in the TAEG (Annual Percentage Rate) and in the MTIC (Total Amount Charged to the Consumer).
No. The simulation is not binding and does not create any obligation to contract, neither with CrediSegur nor with the financial institutions.It serves only to provide you with an indicative framework of the conditions currently practiced in the market. There is only any commitment after your express acceptance of a formal proposal issued by a financial institution.
For the analysis of your credit request, the following documents may be required:• Identification document: Citizen Card or Identity Card + Tax Number• Address proof: water, electricity, gas, telecommunications or cable TV bill• Income proof: payslips, employer certificate or equivalent• Last tax return and respective settlement note• Bank statements from the last three months• Credit responsibilities map (Banco de Portugal)
If you accept the proposal from the financial institution:• The personal credit contract is formalized• The amount is transferred to your bank account• You can use the amount for the purpose indicated (except mortgage down payment)
As a general rule, no. Banco de Portugal has prohibited this practice since 2018, with the aim of protecting consumers and avoiding situations of over-indebtedness.However, there is an exception: if you are a young person up to 35 years old and are eligible for the special Young Mortgage Credit schemes or for solutions with 100% financing, the down payment may not be necessary, provided you meet all the criteria set by the financial institutions and the applicable legislation.Each case must be analyzed individually.
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