Loan consolidation combines all your current loans into a single financing arrangement. You only manage one monthly payment, adjusted to your budget, with the option to finance a new project as well.
All your loans combined into one single monthly debit.
Extending the term reduces your monthly payment amount.
They negotiate and manage the process with your creditors.
A loan consolidation, also known as debt restructuring, involves taking out a new loan to repay all your existing debts early: personal loans, revolving credit, car loans, and home improvement loans. You then repay this single contract with one monthly payment. This operation radically simplifies your budget management and, depending on the case, can reduce the monthly burden of your payments.
Having multiple loans with different institutions makes tracking difficult and strains your monthly budget: payments on different dates, varying rates, and potential missed payments. Consolidation brings everything under one contract, one payment date, and one point of contact. It also allows you to extend the repayment period to lower the monthly payment and free up cash flow.
Consolidation reduces the monthly payment by extending the repayment term. However, it must be clear: the longer the term, the higher the total cost of the credit. Consolidation is therefore a tool for budgetary comfort, not a way to pay less in total. We systematically present you with the overall cost and the monthly payment so that you can make an informed decision.
Everything starts with a precise assessment of your loans: remaining amounts due, rates, remaining terms, and monthly payments. This analysis allows us to build the most relevant structure. We then handle the procedures with your creditors—requests for balances, early repayments, and releases—until your new financing is effectively in place.
Loan consolidation is aimed at people whose monthly payments are a long-term burden on their budget. Your debt-to-income ratio, which is the relationship between your credit charges and your income, is the first criterion studied. We also examine the stability of your income and the absence of recent banking incidents before offering you a structure.
Consolidating loans affects a household's financial balance. Our advisors take the time to examine your situation as a whole, clearly explain the consequences of the chosen structure, and honestly alert you when the operation is not in your interest.
| Situation | Current monthly payments | After consolidation |
|---|---|---|
| 3 loans at €250 / €180 / €90 | €520 per month | ≈ €340 per month (extended term) |
| Auto loan + revolving credit | €380 per month | ≈ €250 per month (extended term) |
Indicative illustration: extending the term reduces the monthly payment but increases the total cost of credit. Each situation is subject to a personalized review.
How it works
Estimate your monthly payment in seconds with our simulator, obligation-free and without registration.
Provide your situation and contact details in a secure, fully online form.
Upload your supporting documents via your portal: ID, proof of address, and proof of income.
An advisor reviews your file, communicates the decision, and you sign your contract electronically.
Rates, total cost, and monthly payments clearly stated before any commitment, with no hidden fees.
A single point of contact follows you from simulation to the repayment of the last euro.
Application, document upload, and electronic signature from your client portal.
Frequently asked questions
Often yes, because the repayment term is extended. Consolidation is a tool for budgetary comfort: it lowers the monthly payment, not necessarily the total amount repaid. We always present both elements to you.
A credit must be repaid. Check your repayment capacity before committing. No payment, of any kind, can be required from a private individual before obtaining one or more loans.