What Credibom does

Credibom (legal entity Banco Credibom, S.A.) is a Portuguese consumer credit bank founded in 1995 and headquartered in Porto Salvo (Oeiras), with a regional branch in Porto. The company is a wholly-owned subsidiary of Crédit Agricole S.A., operating within the group's Personal Finance & Mobility division, and is registered with the Bank of Portugal (number 916) and as an insurance agent with ASF (number 408 263 939). Credibom specializes in consumer credit products — personal loans, auto financing, home improvement credit, appliance and furniture financing, vacation credit, and a sustainable finance sub-brand called Planeta+ covering electric/hybrid vehicle and energy transition lending — alongside a portfolio of insurance products distributed as a non-exclusive agent (auto, motorcycle, life, disability, unemployment, GAP, purchase guarantee).

The bank distributes through a hybrid channel model: more than 1,000 commercial partners across mainland Portugal and the islands (auto dealers, home improvement and appliance retailers) for point-of-sale financing, plus direct digital channels including a website with credit simulator and 3-minute application form, phone support, and a homebanking platform. The technology stack supports a 100% digital application process with electronic signature, open banking integration for accelerated underwriting, and a digital assistant ("Sofia"). Pricing is structured as fixed-rate amortizing loans with TAN ranging 6.45%–11.50% and TAEG from 8.50%–14.87%, ticket sizes from €3,000 to €75,000, and terms of 12 to 120 months.

Revenue is generated primarily through net interest income on the consumer credit book, supplemented by insurance distribution commissions. Credibom reports having served 1.6M+ customers since founding, maintains 500+ employees, and carries consecutive Great Place to Work certifications (2024–2026), a 4.5/5 Google rating, 78% customer recommendation rate, and the distinction of being the first B Corp-certified consumer credit institution in Portugal. Financial results are not publicly disclosed as a private subsidiary of Crédit Agricole.

Name

Credibom

Legal name

Banco Credibom, S.A.

Website

https://credibom.pt

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Short description

Credibom is a Portuguese consumer credit bank, wholly owned by Crédit Agricole, that provides personal, auto, home improvement, and sustainable financing to Portuguese consumers via a 1,000+ partner network and direct digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Porto Salvo

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Consumer Credit Interest Income: Primary revenue stream from interest on personal loans, auto loans, home improvement loans, and other consumer credit products. Fixed or variable interest rates with TAN ranging from 6.45% to 11.50% depending on product type.
2. Insurance Distribution Commission: Commission revenue from selling insurance products as a registered insurance agent (registered with ASF under number 408 263 939). Products include life insurance, temporary disability insurance, involuntary unemployment insurance, GAP insurance, and purchase guarantee insurance.
3. Credit Protection Insurance: Optional credit protection insurance sold alongside credit products, covering payments in case of disability, unemployment, or death. Premium paid at credit granting moment.
4. Leasing and ALD Financial Services: Financial services income from leasing and ALD (long-term rental) products for vehicle financing, particularly targeting entrepreneurs and companies for tax benefits.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Banco Credibom is a Portuguese consumer credit bank that originates and services personal loans, auto financing, home improvement, appliance, vacation, and sustainable (energy transition / electric-hybrid vehicle) credit products for individual borrowers. It complements these credit products with a portfolio of insurance solutions (auto, motorcycle, life protection, temporary disability, involuntary unemployment, GAP, and purchase guarantee) distributed as a registered insurance agent. Distribution combines a 1,000+ partner point-of-sale network with direct digital, phone, and homebanking channels under a fully digital, e-signature application process.

Product overview

Credibom is a Portuguese consumer credit bank offering a comprehensive portfolio of credit and insurance products. The core credit offerings include personal loans, auto financing, home improvement loans, appliance financing, vacation financing, and sustainable financing products (electric vehicles, energy transition). The Planeta+ sub-brand aggregates sustainable financing products. Insurance products include auto, motorcycle, life protection, disability, unemployment, GAP, and purchase guarantee coverage. All products are distributed through digital channels and a network of commercial partners, with a 100% digital application process including electronic signature.

Differentiator

Problem solved

Functional benefit

Brands

• Planeta+: Sustainable credit products for environmental-friendly projects including electric vehicles and energy transition solutions.

Products and services

• Personal Credit (Crédito Pessoal) General-purpose personal loan with fixed rates and fixed monthly payments, terms up to 84 months, available to Portuguese individual borrowers. Includes a 100% digital application with electronic signature and a 24-hour decision turnaround. TAN from 8.70%, TAEG from 10.05%.
• Simple Personal Credit (Crédito Pessoal Simples) Simplified personal credit for smaller amounts starting from 3,000 EUR, terms from 12 months, zero opening commission, targeting Portuguese consumers needing small, fast personal loans.
• Auto Credit (Crédito Automóvel) Auto loan for new and used vehicles with terms up to 120 months and up to 100% financing of the vehicle value. TAN from 7.25%, TAEG from 9.11%. Available directly and through auto dealer partners.
• Electric and Hybrid Auto Credit (Crédito Automóvel Elétrico e Híbrido) Specialized auto loan for 100% electric (BEV), plug-in hybrid (PHEV), and hybrid (HEV) vehicles with up to 100% financing. TAN from 6.90%, TAEG from 8.71%. Part of the Planeta+ sustainable financing line.
• Energy Transition Credit (Crédito Transição Energética) Specialized credit for residential energy transition projects including solar panels, thermal batteries, insulation, windows, doors, heat pumps, and air conditioning, at preferential rates. TAN from 6.45%, TAEG from 8.50%. Part of Planeta+.
• Home Improvement Credit (Crédito Obras) Personal loan dedicated to home renovation and small repair projects with fixed rates and monthly payments, terms up to 84 months. TAN from 9.75%, TAEG from 11.26%.
• Furniture and Decoration Credit (Crédito Mobiliário e Decoração) Point-of-sale credit for furniture and home decoration purchases, primarily distributed through furniture and home retailer partners. TAN from 11.50%, TAEG from 14.87%.
• Appliance Credit (Crédito Eletrodomésticos) Personal loan dedicated to household appliance purchases up to 30,000 EUR with no contract opening commission. TAN from 11.50%, TAEG from 14.87%. Distributed via appliance retailer partners and direct channels.
• Vacation Credit (Crédito Férias) Personal loan for vacation financing with fixed rates, monthly payments, and terms up to 60 months. TAN from 10.50%, TAEG from 14.87%.
• Planeta+ Sustainable Credit (Crédito Planeta+) Sub-brand umbrella of Credibom sustainable financing that aggregates electric/hybrid vehicle loans and energy transition loans under flexible, transparent conditions and preferential rates.
• Auto Insurance (Seguro Automóvel) Flexible auto insurance product distributed by Credibom as a registered insurance agent (ASF no. 408 263 939), available with or without a Credibom credit. Claims handled by partner Via Direta.
• Motorcycle Insurance (Seguro Moto) Motorcycle insurance product distributed by Credibom, offering secure and flexible coverage options for two-wheel vehicle owners.
• Life Protection Insurance (Seguro Proteção Vida) Optional credit-linked life insurance that pays up to 100% of the outstanding credit balance in case of death or absolute permanent disability. Available to borrowers aged 18-75.
• Temporary Disability Insurance (Seguro Incapacidade Temporária) Optional credit protection insurance that covers monthly credit payments up to 1,000 EUR during extended medical leave due to accident or illness. Available to borrowers aged 18-65.
• Involuntary Unemployment Insurance (Seguro Desemprego Involuntário) Optional credit protection insurance that covers monthly credit payments up to 1,000 EUR per installment for up to 18 months in case of involuntary unemployment. Available to borrowers aged 18-65.
• GAP Guaranteed Asset Protection Insurance (Seguro GAP) Guaranteed Asset Protection insurance for financed vehicles, covering the difference between market value and outstanding loan balance in case of theft or total loss, up to 15,000 EUR.
• Purchase Guarantee Insurance (Seguro Garantia de Compra) Insurance protecting goods purchased on credit against theft or total destruction within 60 days of purchase, with reimbursement up to 2,500 EUR.

Quantifiable outcome

• 78% of customers would recommend Credibom to friends and family
• +4 more outcomes

Named customers3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• SemearminorStrategic or Co-development Partner · 1 January 2022Partnership for planting and harvesting vegetables. Vegetables harvested by Credibom employees are donated to associations and delivered to families in precarious situations. Semear helps people with disabilities develop employability through farming, processing, and selling organic products.
• Plantar uma ÁrvoreminorStrategic or Co-development Partner · 1 January 2022Environmental partnership for reforestation. In 2022, Credibom donated 2,500 plants and trees. Due to severe drought, planting was completed in early 2024. The association plants and cares for trees in protected areas for 5 years of growth.
• Via DiretaminorImplementation/ SI/ Consulting PartnerClaims management partner for automobile and motorcycle insurance products. Handles claims registration via phone (217 912 827) or email ([email protected]) and manages the entire process until resolution.
• Various Social and Environmental Organizations (Giving Program)minorStrategic or Co-development PartnerThrough the Credibom Giving Program, employees sponsor projects from non-profit organizations. Winners in 2025 include animal welfare (O Midas, Abrigo Santa Bárbara), health (SPW Portugal), youth education (Guias de Portugal, Escola Matos-Cheirinhos), and mental health (Wave by Wave). Previous winners include Dress for Success, Movimento Claro, and Just a Change.
• CA Personal Finance & MobilitycoreStrategic or Co-development PartnerBusiness unit within Crédit Agricole group focusing on personal finance and mobility. Credibom's sustainability initiatives align with the group's societal project for climate and low-carbon transition.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Caixa Geral de Depósitos: Largest Portuguese state-owned bank with full-service consumer lending, mortgage, and POS credit offerings. Competes with Credibom across personal credit but at lower rate cards due to deposit funding advantage.
• Novo Banco: Major Portuguese commercial bank offering consumer loans, auto financing, and credit cards. Broader incumbent competitor with full-service banking versus Credibom's specialist focus.
• Banco CTT: Portuguese retail bank with growing consumer credit offering, leveraging post office distribution. Overlaps with Credibom in personal loans and credit cards, though operates as a broader banking franchise.
• Banco BPI: Major Portuguese universal bank with established consumer credit and auto financing products. Overlaps with Credibom in personal lending but offers broader deposit and investment services.

Direct peers

• Findomestic Portugal (BNP Paribas): BNP Paribas consumer credit brand in Portugal focused on personal loans and POS financing. Directly comparable to Credibom in product set, distribution model, and target customer segment.
• Cetelem Portugal (BNP Paribas Personal Finance): Portugal subsidiary of BNP Paribas Personal Finance, one of the largest consumer credit operators in Portugal. Directly comparable in personal loans, auto credit, and dealer financing with similar product breadth and Crédit Agricole-equivalent parent backing.
• Cofidis Portugal: Portuguese arm of French consumer credit specialist Cofidis (Crédit Mutuel group). Directly comparable across personal credit, auto financing, and partner-network distribution with overlapping POS financing model.
• WiZink Bank: Portuguese digital consumer credit and revolving credit specialist. Competes directly in unsecured personal lending and credit cards with a digital-first GTM that mirrors Credibom's online application flow.
• Santander Consumer Portugal: Santander's consumer finance arm in Portugal focused on auto loans and POS financing. Directly comparable in dealer-channel auto credit and consumer lending at scale.
• UNICRE: Portuguese specialist credit card and consumer credit institution, owned by major Portuguese banks. Direct peer in consumer credit card issuance and personal lending products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCI2dbR3AN6Xdg6s-rZ5FfFQ
• Facebookfacebook.com/BancoCredibom
• LinkedInlinkedin.com/company/credibom
• Instagraminstagram.com/bancocredibom
• Xx.com/bancocredibom

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credibom