Credit Repurchase

Credit repurchase, only better

Group your credits at unbeatable rates. Immediate rate simulation, free, fast and without commitment!

 Our unbeatable rates for the repurchase of credits

Study carried out on 17/10/2019 on the “Credit buyback” project, on an amount of 10,000 euros, on maturities 84 months, 72 months and 60 months. Comparison made on the APR and the monthly payments offered by Loan Financial, Sofinco, Banque Casino and La Banque Postale.

 Loan FinancialSofincoBanque CasinoLa Banque Postale

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                      Consolidate all your credits into one

Collect all of your credits in a few clicks: a single monthly payment, a single contact, a single rate.

                   Get a definitive answer in 24 hours

Request your credit repurchase online and get a final response within 24 hours *.

                 Reduce your monthly payments

Thanks to Loan Financial, take advantage of unbeatable rates and save up to 60%!

Have you taken out several consumer loans and want to reduce or simplify your monthly payments? Buying back credits is the solution!

Faced with exceptional life events, the repayment of your goods bought on credit could one day be impacted, Loan Financial offers you to buy back your credits so you can repay your loans. Here’s all there is to know about credit consolidation!

What is a credit buy-back?…

Credit repurchase, also called credit consolidation, is a type of loan offered by credit institutions and banks that allows you to consolidate several loans, in order to reduce the monthly payments of the borrower. The broker, a financing expert, can also assist the borrower in their buyout process.

Thanks to this operation, the latter will be able in particular to lower the rates of its various loans, because the combination of these will lead to a single loan and therefore a single monthly payment, better suited to its financial situation and its budget. For the borrower, this is therefore a global and lasting solution, aimed at escaping a potential debt situation, even over-indebtedness.

How is this banking operation set up?

A solution open to all

Anyone with outstanding loans can claim a credit repurchase. Whether you are a tenant, owner or housed for free, young or senior, active or retired, on a fixed-term or temporary contract (provided however that the co-holder has a permanent contract), employee, civil servant, tradesman or even in liberal professions, you are eligible.

Simply, the buyout offer will be based on your own situation, both personal (married, single, divorced, with or without children …) and professional. This will not only take into account your outstanding debts with the various banking establishments (i.e. the capital remaining due), but also, and in particular, the foreseeable and incompressible current expenses (energy, transport, food …), the rent, and the alimony paid.

All these elements will then be deducted from your income (salary, state aid …) in order to know your level of debt, your living and your repayment capacity. This is called the debt ratio. This indicator is the main criterion for accepting a loan repurchase.


Buying back loans: a good way to relax your monthly payments

The establishment of a credit repurchase file allows better management of its budget: the sum of all of your credit repayments is grouped in a single debit. Thus, no need to keep track of the loans taken out, you know in advance the amount and the date on which you will be debited by Loan Financial.

The purchase of consumer credit will also allow you to take advantage of the overall drop in rates compared to previous years.

Loan Financial can offer you a single monthly payment for your loans, and this amount will often be lower than all of the previous installments.

Note that the drop following a buyout can be up to 60%. However, the repayment term will be extended and the cost of credit may be increased accordingly.

Lastly, the repurchase of credit is an operation which makes it possible to put an end to the revolving loans or known as “revolving”, which post very high rates and can be renewed in an unlimited way until the complete repayment. Here, the repurchase of consumer credit is a simple credit whose repayment will be easier and potentially less costly.

What types of loans are eligible for credit repurchase?

The repurchase of credit is open to a great majority of types of credits. It adapts as follows:

– Any form of mortgage (fixed or variable interest rate, with or without mortgage);
– A bank overdraft situation;
– A revolving credit;
– A personal loan;
– A car loan;
– A work credit.

Good to know: exclusions
Cannot be the subject of a credit repurchase, late payment of VAT and URSSAF, as well as professional debts. Also excluded are registrations to the FCC (central check file) and to the FICP (personal loan repayment incident file).

The grouping of credits therefore responds to many cases. Let’s take two concrete examples …

Since purchasing your home, you’ve found that mortgage rates have been lowered. Problem: the renegotiation made with your funding body is not very attractive. Redeeming your home loans can on the contrary prove to be an advantageous option, since the annual effective annual rate (APR) would be recalculated for all of your loans. This would therefore imply a potential drop in the total cost of your mortgage.

Another hypothesis: in addition to your mortgage, you have taken out consumer credit, and you find yourself in a difficult financial situation. Taken by the throat, you find it difficult to repay your debts, and even more to carry out the renovation work planned for your main residence. Consolidating your credits by backing up a new work loan – always with a single monthly payment – would allow you to rebalance your budget, and thus finance your project.

Buying back loans: the advantages of choosing Loan Financial

Today, Loan Financial positions itself as a serious solution compared to traditional credit institutions, by proposing an innovative refinancing model. This allows professional investors (individuals, but also legal persons: companies, insurers, foundations, pension funds, etc.) to directly finance consumer loans for French, Italian and Spanish households.

With us, you will not find revolving credits, we only offer repayable loans, at fixed rates and constant monthly payments.

Buying back credit: a good solution?

You should know that a consumer credit buyout will involve at least two loans and reduce the total amount of monthly payments.

However, the practice shows that the repurchase of credit becomes much more interesting with three loans.

As a reminder, whether in the case of a consumer credit repurchase or a car credit repurchase, the total duration of repayment of the total amounts borrowed will be automatically lengthened, and the cost increased. But overall, the borrower benefits from reduced monthly payments and a lower total cost. As mentioned above, buying back credits also involves a single direct debit. A loan consolidation operation thus optimizes the management of its budget.

Why carry out a loan buy-back simulation at Loan Financial ?

All of Loan Financial is proprietary technologies now enable the simplest online subscription on the market, and provide ultra-fast response to funding requests. Thanks to our 100% online course, you will be able to perform a simulation in a few clicks, after which we will not make you wait: you will receive an immediate response in principle.

To facilitate the process and do away with the paperwork, we suggest that you electronically sign your contract online. Similarly, you will be offered to download your supporting documents directly via your mobile phone or computer. Upon receipt of your complete file, we will be able to give you a final response within 24 working hours *.

For all your questions, whether it concerns your file, your loan offer, the duration of the redemption or even your project, we have an answer. We offer support throughout your loan request: our customer service is 100% based in France, and we can be reached by phone, Facebook Messenger, chat, or even through our contact form.

This alternative has already convinced more than 150,000 customers who, to date, have borrowed more than 1 billion euros! So don’t wait any longer, simulate your credit buy-back and favor speed, simplicity and security! Thanks to more favorable borrowing conditions, you will prevent any situation of debt or over-indebtedness, and thus gain greatly in peace of mind. It’s also an opportunity to think about funding a new project in the long term!

The three key points to remember about the credit buyback operation:

– He aims to consolidate all of his credits into a single contract, which makes it possible to reduce his monthly payments, avoid debt as much as possible, and even think about new projects.
– Most forms of credit are eligible (personal loan, mortgage, debts linked to an overdraft at the bank, etc.).
– It is open to all borrower profiles, and can possibly be combined with another loan to finance a new project when the available income is no longer sufficient.