Understanding your commitments
We gather the information about your current commitments and the goal you want to reach.
Several loans, several instalments?Simplify your finances
Do you have several loans and feel the instalments weigh on your monthly budget?
Debt consolidation can bring different loans together into a single instalment, making your finances easier to manage and, under certain conditions, lowering your monthly costs.
At Lumina Crédito, we look at your situation and look for a solution that fits your needs.
Lumina Crédito is the brand of EG CREDIT SOLUTIONS - Intermediários de Crédito Unipessoal, Lda, a tied credit intermediary registered with the Bank of Portugal under no. 8646, which provides the credit intermediation services. Lumina Crédito does not grant credit: the decision and the granting of credit rest with the credit institutions.
- Income
- Loans
- Goals
A personal review of your financial commitments
A review that starts with you.
Term, instalment and total cost: three things to read together.
Reviewing your financial capacity
The process includes a review of your income, commitments and debt-to-income ratio, to frame the request.
Comparing the solution
We explain the term, the instalment and the terms of the offer. A lower instalment may come from a longer term and mean a higher total cost. Compare the instalment, the term and the total cost with your current loans.
What to prepare for the review
To request a contact, just fill in the form. The documents are gathered later.
- Information about your current loans and commitments.
- Information about your income and the purpose of the request.
After the first contact, we send the list of documents for your type of operation and explain anything that is missing.
See the process and the documentsPrepare your next step.
Talk to a specialistInstitutions we work with
- Caixa Geral de Depósitos, S.A.
- Banco Santander Totta, S.A.
- Banco BPI, S.A.
- Novo Banco, S.A.
- BBVA, Instituição Financeira de Crédito, S.A.
- Bankinter, S.A. (Sucursal em Portugal)
- Unión de Créditos Inmobiliarios, S.A.
- Abanca Portugal, S.A.
Lenders with which we have a tied agent agreement. No exclusivity.
Ready to move forward.
Frequently asked questions
How do I know whether consolidation suits my case?
We start by reviewing your financial situation and your current commitments. Only once we know them can we assess a solution and explain its terms.
What do you review?
Your income, your commitments, your goal and your debt-to-income ratio. The technical preparation of the case includes a review of the Bank of Portugal Central Credit Register.
Do I get an offer at the first contact?
The first contact is to get to know your case. It is followed by the collection and checking of documents, the review and the submission of the request to the banks.
Talk to Lumina Crédito
Leave your details. A specialist follows your request and explains the next steps. We follow the collection of documents, the review and the explanation of the terms offered.
Would you rather write to us?WhatsApp +351 923 224 394, opens in a new window
Lumina Crédito number for messages.
comercial@luminacredito.comeduardo.graca@luminacredito.com