Cetelem consolidated credit was developed especially for those who already have outstanding loans, but are unable to pay the installments on time, because they are heavy.

After all, with it you can reorganize your finances and even start new projects. So, find out more about Cetelem credit below: see features, advantages and how to get it!

According to the table above, Cetelem credit offers a payment term of up to 7 years. Hiring is online and can be done after a simulation that is also carried out online.

Below, find out how it works and the negative and positive points of the financial option!

Firstly, know that, in general, a consolidated credit is characterized by unifying other credit debts, which can be personal, for a car or property.

Thus, he pays off the original debts and starts to present a single monthly installment, which includes all previous credits.

However, note that, when separated, each loan has its own rates and fees. When there is unification, then there is only one rate and tariff, as the credits become one.

This is why Cetelem consolidated credit can reduce the original value of your debts. That is, the value of the new installment is lower than the sum of the previous installments.

Furthermore, this option allows you to consolidate your credits and take out a new loan, with the latter having a deposit in your account.

Check out the main advantages of credit:

The disadvantages of Cetelem credit are revealed in the conditions for obtaining it. After all, only those who are employed, over 18 years of age, have a bank account in Portugal and have a regular financial situation can hire it.

This is quite simple. Access the Cetelem website and then the “Consolidated Credit” option. Then, carry out a simulation indicating the amount needed and the deadline for payment.

Finally, forward the request and, if you receive a proposal that is favorable to you, hire without leaving home. But, if you want a complete step-by-step guide on how to do this, read the text below!