Debt consolidation
Five debits, five dates, five rates. Or just one.
Consolidation combines your current loans into a single financing: one payment, one date, one rate. The point is not to borrow more, but to take back control of a budget that has fragmented.
- Loans combined
- up to 8 lines
- Typical relief
- 20% to 45%
- Term
- up to 84 months
Debt consolidation
How it works
A new lender settles your existing loans and grants you a single financing, usually over a longer term. Your monthly payment falls. In exchange, spreading the debt almost always increases its total cost: that is the central trade-off, and we put it in writing before you decide.
What we will always tell you
Consolidation lightens the monthly payment but lengthens the term, so it makes the credit more expensive overall. We systematically hand you the total cost before and after the operation. If the gain is not real for you, we advise against it — even when the deal would be profitable for us.
Representative example
For a loan of 10,000 € over 24 months at a fixed annual percentage rate of 3,50% (fixed borrowing rate of 3,50%), excluding optional insurance: 24 monthly payments of 432.03 €. Total amount payable: 10,368.72 €, of which 368.72 € in interest. Offer subject to approval of your file by the lender.
Overview
What you gain
A single due date to track
One debit, one date, one contact. The risk of a missed payment through simple oversight disappears.
A recalibrated payment
In practice, the relief we observe on the files we arrange sits between 20% and 45% of the initial monthly burden.
Cash flow that breathes again
The amount freed up each month becomes available for an emergency fund, which reduces reliance on revolving credit.
An optional cash envelope
An additional need can be built into the operation, if and only if the resulting debt ratio remains sustainable.
Who it is for
- Two or more active loans
- Combined payments that have become too heavy
- High-rate revolving credit to be cleared
- No major payment incident currently open
Conditions and documents
- Amortisation schedules or payoff statements for each active loan
- Last three bank statements
- Proof of income
- Photo identification and proof of address
Borrowing money costs money and must be repaid. Check your repayment capacity before committing. This application is not a credit offer and does not bind any lender.
FAQ
Questions about this solution
Usually yes, because the term gets longer. The benefit lies elsewhere: returning to a sustainable payment and exiting very expensive revolving credit. We cost out both scenarios.
Some non-bank debts can be included depending on the lender. Mention them in your application and we will check whether they qualify.
Not necessarily. An imperfect history with no open incident can still be reviewed. A file already in a formal insolvency process, however, belongs to a different mechanism — we will point you to the right one.
Your project deserves better than a rate picked at random
Complete the application in five minutes. An advisor gets back to you within 24 business hours with a preliminary answer and, where possible, a costed proposal.
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