Our financing
Debt consolidation
Combine your loans into a single monthly payment, backed by your property where needed.
Debt consolidation combines your running loans into one, with a lower monthly payment and a re-spread term. Backed by an asset, it can be studied even after a payment incident.
- Amounts
- from €10,000 to €300,000
- Terms
- from 12 to 420 months
Indicative rates by term
| Term | Fixed rate | Variable rate |
|---|---|---|
| 60 months | 4.90% | 4.50% |
| 180 months | 5.50% | 5.10% |
| 300 months | 6.20% | 5.80% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€628.48Estimated monthly payment: €628.48
- Indicative APR
- 5.01%
- Total cost of credit
- €33,125.19
- Financed amount
- €80,000.00
- Capital€80,000.00
- Interest€33,125.19
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €80,000.00
- Term
- 180 months
- Fixed borrowing rate
- 4.90%
- Fixed APR
- 5.01%
- Monthly payment
- €628.48
- Total cost of credit
- €33,125.19
- Total amount payable
- €113,125.19
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- Owner wishing to combine several loans
- Tight budget with an asset to pledge
- Varied work situation, self-employed included
Not suitable if…
- Tenant without a guarantor and an already very high debt ratio
- No existing loans to combine
Documents to provide
- Valid ID
- Amortization schedules of the loans to combine
- Last three bank statements
- Proof of ownership or property tax
Worked example
Combining three loans
€80,000 combined over 180 months: a single payment replaces three instalments, for a re-spread and known cost.
Frequently asked questions
Does consolidation clear a credit listing?
No. It can settle the loans behind the incident, which may lead to a delisting, but no removal is automatic or guaranteed.
How far can the term be extended?
Up to 420 months for consolidation backed by a property, within the limit of your repayment capacity.
Can I add cash?
Yes, an extra envelope can be included if your collateral and income allow.