BANCO CREDIBOM, SA

Banco Credibom, S.A. is a Portuguese credit institution focused on consumer finance, integrated into Crédit Agricole Consumer Finance, part of the Crédit Agricole Group, and operates in Portugal under the supervision of Banco de Portugal and in line with EU and national consumer credit rules. Its core activity is unsecured consumer lending and auto financing for new and used vehicles, frequently structured with retention of title in vehicle loans; it also distributes personal loans for general purposes and debt consolidation. Distribution is primarily through digital channels, a call center, and a network of intermediaries and car dealers, with credit approval subject to underwriting that typically considers identity, income and employment verification, bank account data, and consultation of the Banco de Portugal credit register. Pricing is presented with the legally required total annual cost metric (TAEG) and pre-contractual information, and may include an opening or processing fee, taxes such as stamp duty, and other administrative costs disclosed in the contract; repayments are usually by monthly direct debit, and early repayment is permitted subject to compensation within legal limits. Disbursement can be made to the borrower or directly to a merchant or dealer, depending on the product, and loan terms and maximum amounts depend on the borrower’s profile and purpose of credit. Missed payments can result in default interest, collection actions, negative reporting to credit databases, and, in secured arrangements such as auto loans with title retention, recovery of the asset. The institution provides customer support via online and telephone channels and is subject to standard complaint and dispute-resolution mechanisms in Portugal, including the electronic complaints book and oversight by Banco de Portugal; personal data processing follows applicable GDPR requirements.