Personal loan
A sum to use as you wish, with a fixed repayment and a term of your choice.
- From €1,000 to €75,000
- From 12 to 84 months
Fixed APR from 2.02%* Fixed borrowing rate from 2.00%
Individuals
Debt consolidation
Simplify your budget management by combining your existing loans into a single loan.
Amount€5,000 – €150,000
TermFrom 24 to 144 months
Fixed APRfrom 2.02%*
A single repayment to regain control of your budget
Debt consolidation means combining several existing loans into a single loan, with one monthly repayment and a single point of contact.
Extending the term may reduce the monthly repayment, but the total cost of credit may increase: we always show you the comparison before any decision.
Benefits
- A single monthly repayment
- A single point of contact
- Option to include additional cash
- Full budget analysis
Main terms
- Amount
- €5,000 – €150,000
- Term
- From 24 to 144 months
- Fixed borrowing rate
- from 2.00%
- Fixed APR
- from 2.02%
- Arrangement fees
- None
- Early repayment
- Possible at any time, in full or in part
Documents usually required
- Valid identity document
- Last two payslips or latest tax return
- Recent proof of address
- Bank statements for the last three months
Frequently asked questions — Debt consolidation
Does debt consolidation always reduce the cost?
No. It can reduce the monthly repayment, but extending the term may increase the total cost. We work with you to find the most balanced solution.
Which loans can I consolidate?
Personal loans, car finance, revolving credit cards and other existing consumer credit.
Are there early settlement penalties?
Some agreements provide for early settlement compensation: we include it in our analysis to calculate the real cost of the operation.
Can I obtain additional cash?
Yes, if your ability to repay allows it, you can add a sum for a new project.
Other solutions you may be interested in
Car loan
Finance the purchase of a new or used vehicle, including electric or hybrid.
- From €3,000 to €75,000
- From 12 to 84 months
Fixed APR from 2.02%* Fixed borrowing rate from 2.00%
Home improvement loan
Renovate, furnish or improve the energy efficiency of your home.
- From €2,000 to €75,000
- From 12 to 120 months
Fixed APR from 2.02%* Fixed borrowing rate from 2.00%
* APR from, for amounts up to €30,000. The rate increases with the amount borrowed (see the rate table in the loan calculator) and depends on the term and on the assessment of your profile. Promotional advertising message.