Debt Consolidation Loan

Simplify your finances with the right Consolidation Loan. As credit intermediaries, we help you combine your loans into a single solution that is more advantageous and tailored to your budget.

Having multiple loans can make financial management complex and make it harder to keep track of your monthly payments.

As authorized credit intermediaries, we analyze your financial profile and compare proposals from various institutions, presenting the solution that best suits your needs. We support you throughout the entire process – from simulation to final approval – ensuring transparency, security, and personalized assistance at every step.

With our help, you can reduce your monthly payments, simplify the management of your loans, and gain better control over your finances, at no additional cost.

Simplify your payments

* This page provides a credit simulator with indicative values, which do not constitute a formal offer of credit. Each credit application is assessed individually by our partners. Our team is available to answer any questions and help you through the credit application process.

Use the loan simulator to calculate the approximate value of the monthly installment.

Loan Simulation

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Partenaires

Trabalhamos em colaboração com os seguintes parteiros.

Caixa Geral de Depósitos, SA

Banco Santander Totta, S.A

Banco Santander Totta, S.A

Caixa Geral de Depósitos, SA

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We have gathered answers to the most common questions about personal loan

Frequently Asked Questions

What is a consolidation loan?

A consolidation loan allows you to combine multiple loans into a single contract, simplifying financial management and enabling a monthly payment better suited to your budget.

What are the advantages of consolidating my loans?

By consolidating your loans, you can reduce the total amount of monthly payments, simplify repayments, gain better control over your finances, and in some cases, secure more advantageous terms.

Can I consolidate all types of loans?

In most cases, it is possible to consolidate personal loans, car loans, credit cards, and other types of loans. However, each financial institution may have specific rules about which products can be consolidated.

What is the maximum amount I can consolidate?

The maximum consolidation amount depends on the financial institution, the total of existing loans, and your financial profile, including income and repayment capacity.

What documents are required to apply for a consolidation loan?

Usually required documents include:

  • Valid identification;

  • Tax identification number;

  • Proof of income;

  • Proof of residence;

  • Details of the loans to be consolidated.
    Additional documents may be requested depending on the institution and client profile.

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The credit intermediary’s registration can be consulted on the Bank Customer Portal at https://clientebancario.bportugal.pt/

The credit intermediary is prohibited from receiving or delivering any monetary amounts related to the formation, execution or early repayment of credit agreements, pursuant to Article 46 of the legal framework governing credit intermediaries, approved by Decree-Law No. 81-C/2017 of 7 July.

The credit intermediary acts in the name and under the responsibility of the lenders with whom they maintain a contractual relationship.

Credit intermediation activities are subject to the supervision of the Bank of Portugal.

Intermediário de Crédito, Unipessoal Lda. is registered with the Bank of Portugal, with registration number 0009790 as linked credit intermediaries, without an exclusivity regime, having entered into an agreement with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Union of Real Estate Credits, S.A., Financial Credit Establishment (Sole Proprietorship) - Branch in Portugal, Banco BIC Português, S.A., Banco Santander Totta S.A., BANCO CTT, S.A., Caixa Geral de Depósitos, S.A., Abanca Corporación Bancaria, S.A. - Branch in Portugal, SICAM - Caixa Central and Caixas de Crédito Agrícola and Bankinter, S.A. - Branch in Portugal.

Contacts

intermediario9790@www.costagomes-IC9790.pt
www.costagomes-IC9790.pt

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