Why should I use a credit intermediary like FINOVA instead of going directly to my bank?

Comparison and negotiation

FINOVA works with several banks. We look at different offers at the same time and negotiate the terms — something hard to do alone, bank by bank.

Expert guidance

We help you read the offers, spot the less visible costs and understand the real impact on the total cost of credit.

Paid by the bank

We're paid by the financial institutions, after completion. That fee is what funds our support throughout the process.

Worked example

Going straight to your bank gives you one offer. With us, you get several — and when banks know they're competing, the margin they give up changes. (Illustrative example.)

Sources

• Bank of Portugal — Credit intermediaries
• Bank Customer Website — Charges