Transparency from the first contact.

Identification

Brand

Lumina Crédito

Company

EG CREDIT SOLUTIONS - Intermediários de Crédito Unipessoal, Lda

Tax number (NIPC)

519 238 680

Manager

Eduardo Graça

Registration

Credit intermediary registered with the Bank of Portugal under no. 8646.

Email

eduardo.graca@luminacredito.com

Eduardo Graça's mobile

+351 917 756 518

Contact address

Rua Principal, 188, 2785‑249 São Domingos de Rana, Cascais

Opening hours

Working days, 10:00 to 17:00.

Registered office: Rua Principal, 188, Tires, 2785-249 São Domingos de Rana, Portugal.

Credit intermediation activity

Lumina Crédito's activity as a credit intermediary is supervised by the Bank of Portugal.

We are not allowed to handle funds relating to credit agreements: we cannot receive or hand over any amounts when the agreement is made, while it is in force or on early repayment.

See the duties of credit intermediaries on the Bank of Portugal website (in Portuguese).

Credit intermediary category: tied.

Credit intermediation services: presenting or offering credit agreements to consumers; assisting consumers by carrying out preparatory work or other pre-contractual administration for credit agreements not presented or offered by the intermediary; concluding credit agreements with consumers on behalf of the lenders. Also provides advisory services.

Professional liability: Companhia de Seguros Allianz Portugal, S.A. Insurance policies no. 208099084 and 208099101, valid from 24/02/2026 to 23/02/2027.

Intermediation and advisory services relating to credit agreements are free of charge for the consumer. Lumina Crédito is paid by the financial institutions with which it has a tied agent agreement, as provided by law, and the amount for each lender is shown in the ESIS (FINE), where applicable.

Financial institutions

Lumina Crédito is a tied credit intermediary with a tied agent agreement with the following lenders:

• 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., Establecimiento Financiero de Crédito (Sociedad Unipersonal), Sucursal em Portugal
• Abanca Portugal, S.A.

It does not work on an exclusive basis.

Insurance

Lumina Crédito's role in insurance requests is limited to referring the contact to partners. The review of needs, the presentation of offers, the explanation of cover and the contract are carried out by the partner that receives the request. Lumina Crédito may be paid by that partner for the referral.

Information and requests through the website

The website lets you learn about our services and request a contact. Sending the form is not a credit approval nor the purchase of a product.

Specific terms are presented after the review of the request and the offers from the financial institutions. This website does not present savings amounts or guaranteed results.

The processing of the data in the form is described in the Privacy Policy.

Complaints

You can contact Lumina Crédito at comercial@luminacredito.com or use the Electronic Complaints Book (Livro de Reclamações).

Alternative dispute resolution

Lumina Crédito has joined the following alternative dispute resolution entities.

CACCL, Centro de Arbitragem de Conflitos de Consumo de Lisboa (Lisbon Consumer Arbitration Centre): Rua dos Douradores, n.º 112, 2.º e 3.º andares, 1100-207 Lisboa. Telephone: +351 21 880 70 30. Email: juridico@centroarbitragemlisboa.pt. Website: www.centroarbitragemlisboa.pt. CAUAL, Centro de Arbitragem da Universidade Autónoma de Lisboa: arbitragem.grupoautonoma.pt.