Reduce your monthly payments

Debt Consolidation

Consolidate all your loans into one, lighten your monthly payments and breathe again financially. A single fixed rate of 3%, one monthly payment, simplified management.

Consolidate my loans Calculate my savings
Simplify your budget

One loan, less pressure

Debt consolidation allows you to group several loans into one. Result: a reduced monthly payment, a single more advantageous rate and considerably simplified financial management.

  • All loans consolidatable: consumer, auto, works, personal
  • Single fixed rate 3% on the new single loan
  • Reduced monthly payment up to -50% depending on your situation
  • Amount from €5,000 to €2,000,000
  • Term up to 360 months for an optimised monthly payment
  • Free assessment of your situation
Loan consolidation
3.0%
Single fixed APR
€5,000
Min. amount
€2,000,000
Max. amount
12 months
Min. term
360 months
Max. term
Representative example €10,000 over 36 months — €290.82/month
Fixed APR 3.0% — Total payable: €10,469

Concrete example

Before / After debt consolidation

Here is a real example of what loan consolidation can bring to a household with several outstanding loans.

Before consolidation
🏠 Consumer loan€320/month
🚗 Car loan€185/month
🔨 Home improvement loan€145/month
Monthly total€650/month

3 different creditors, 3 payment dates, variable and high rates.

→
Consolidation
After consolidation
€270/month
1 single payment — fixed rate 3%
Saving: €380/month

1 creditor, 1 monthly payment, fixed rate guaranteed for life.

Indicative example. Actual conditions depend on your file. A loan commits you and must be repaid. Check your repayment capacity.

Consolidatable loans

Which loans can be consolidated?

CréditPro accepts the consolidation of most types of outstanding loans, whether consumer or tied to a specific purchase.

💳

Consumer credit

All your unsecured consumer loans, revolving credits and credit card debts can be included in the consolidation.

🚗

Car loan

Whether your vehicle is paid off or still being financed, your car loan can be included in the consolidation.

🔨

Home improvement loan

Loans allocated to renovation, refurbishment or energy efficiency works are perfectly consolidatable.

👤

Personal loan

Your existing personal loans can also be integrated into the consolidation to simplify all your repayments into one.

Simple and fast

Consolidate your loans in 3 steps

1

Free analysis

Tell us about your current loans. Our advisors analyse your situation and calculate your potential savings.

2

Personalised offer

We prepare a consolidation offer with a single fixed rate of 3% and a new reduced monthly payment adapted to your budget.

3

Existing loans repaid

After signing, we take care of repaying your existing creditors. You only have one monthly payment left to manage.

Frequently asked questions

FAQ — Debt Consolidation

There is no limit to the number of loans you can consolidate. We handle consumer loans, personal loans, car loans, home improvement loans and revolving credits. The aim is to group all your monthly payments into a single, reduced payment.
In most cases, yes — especially if your current loans have variable or high rates. However, consolidation extends the repayment term, which means you may pay more interest overall. Our advisors will present you with a complete comparison so you can make an informed decision.
Each file is assessed individually. If you are in a debt overload situation, we recommend contacting a debt adviser or the competent commission in your country of residence. CréditPro cannot grant credit to persons who are subject to a court decision declaring over-indebtedness.
Early repayment penalties may apply on your existing loans, depending on the terms set by each lender. Our advisors check this before submitting the consolidation offer and integrate any penalties into the overall calculation, so you know the exact total cost.

Simplify your finances today

One loan, one monthly payment, fixed rate 3%. Get a free consolidation quote within 24h.

Consolidate my loans Calculate my savings