Personal Credit with no specific purpose
Compare Personal Credit offers from the institutions we work with.
Online applicationHandle your application without leaving home, right up to signing the contract with the bank.
Intermediation at no cost to youBy law, as a tied credit intermediary we can only be paid by the credit institutions. The credit costs (interest, fees and taxes) are set out in the bank’s offer.
Secure and confidentialYour data and documents are protected throughout the process in accordance with the GDPR
Bring your plans to life with consumer credit
Travel, remodel, study or change your car?
Simulator for Personal Credit with no specific purpose
Compare online the offers from the institutions we work with. Ready?1. Indicate the purpose of the financing2. Choose the loan amount and term3. Receive personalized simulations based on your financial profile4. We show you the effort rate for each offer, so you can see if the monthly payment fits your budget; the approval decision is up to the bank.5. A CrediSegur manager, as a tied credit intermediary, will contact you and guide you through the whole process
You save time, compare the APR (TAEG) of the offers and avoid trips.
Approval of Personal Credit with no specific purpose
After you choose an offer, the credit institution is the one that approves and formalizes the contract; CrediSegur, as a tied credit intermediary, supports you all the way.1. The consumer 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 funds for the chosen purpose (except for a Mortgage down payment).
Intermediation at no cost
A simple, fast and secure process
- Run a simulation with your data
- A dedicated manager will analyze your case
- We compare the offers from the institutions we work with
- We show you the offers side by side, with APR (TAEG) and MTIC
- We support you from start to finish
Illustrative examplePersonal Credit with no specific purpose
Helena handled an unexpected expense without stress
In this example, she financed a one-off expense, with a monthly payment tailored to her budgetHelena is a fictional character created for illustrative purposes — she does not represent a real case.
Simulation (example)€99.64Monthly payment
Amount €3,000.00
Term 3 years
TAEG 14.62%
What is a Personal Credit with no specific purpose: unlike loans with a specific purpose (auto, home improvements, energy), this credit does not require the customer to indicate or prove to the bank how the money will be used — it works both for small expenses and for larger projects. See the other example in the tab above.
Simulation (example)The associated Life Insurance is optional for this type of credit. The APR (TAEG) and MTIC include Stamp Duty of 1.76% on the credit amount (upfront costs) and 4% on the interest.
Amount
€3,000.00
Term
3 years
TAN (example)
12.00%
Upfront costs (fees and Stamp Duty)
€52.80
Monthly payment
€99.64
TAEG (example)
14.62%
MTIC (example)
€3,663.35
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 - Used car or motorcycle
Compare the dealership’s financing with the offers from the institutions we work with.Learn more - New car or motorcycle
Finance the vehicle outside the dealership and compare the TAEG before deciding.Learn 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
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.
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 contract, on a non-exclusive basis, and does not provide advisory services. The decision on the credit is always up to 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 kind of credit approval or contractual commitment.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 commitment 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 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 briefly analyzes the conditions of the institutions with which we have a binding contract, helping you save time and avoid trips to the banks.
The simulations presented are estimates and do not constitute formal proposals, credit approvals or any contractual commitment. 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 commitment if accepted.
To move forward with a consumer credit application, you must:• 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 shown in the comparator do not constitute binding offers from financial institutions. They only serve to give you an indicative idea of the conditions of the credit institutions we work with, based on the data you provided.The final amounts, rates, terms and other conditions are only confirmed after an individual analysis of the case by the financial institution and the issuance of a formal proposal. There may be variations resulting from risk criteria, commercial policy, rounding and other specific conditions of each entity.
No. The interest rates in the simulator are estimates based on the conditions of the institutions we work with and do not include insurance.If you choose to take out an insurance policy that reduces the rate, the bank’s proposal must show the TAEG with and without that insurance. The TAEG (Taxa Anual de Encargos Efetiva Global) and the MTIC (Montante Total Imputado ao Consumidor) are only fully defined after the individual analysis of the case and the issuance of a formal proposal by the financial institution.
No. In consumer credit, the bank cannot make the granting of credit conditional on taking out other financial products. Some banks offer a lower interest rate to those who choose to take out a life insurance or credit protection insurance; in that case, the proposal must show the TAEG with and without the insurance, and you can take it out with another insurer if the bank accepts it.
No. The simulation is not binding and does not create any obligation to take out a product, either with CrediSegur or with the financial institutions.It only serves to give you an indicative idea of the conditions of the credit institutions we work with. There is only any commitment after your express acceptance of a formal proposal issued by a financial institution.
To analyze your credit application, the following documents may be requested:• 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 consumer 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)
Generally, no. Banco de Portugal recommends that Mortgage for primary residence should not exceed 90% of the property value, and banks include the monthly payments of other credits when calculating your debt-to-income ratio — so financing the down payment with consumer credit makes approval harder. Young people up to 35 years old may have access to a public guarantee that allows financing up to 100%, if they meet the conditions of that scheme.
Intermediation at no cost