Loan refinancing and debt consolidation
Several loans, a lease, credit cards to pay off? We look at whether everything can be combined into a single financing, with a single monthly payment.
At a glance
- 01
A single monthly payment
One debit a month, one date, one contact: your budget becomes clear again.
- 02
A renegotiated rate
We compare the rate on your current loans with the offers available for your profile.
- 03
Transparent figures
We show you the total cost before and after consolidation, so you can make an informed decision.
- 04
Paperwork handled
We coordinate the repayment of your old loans with the new bank.
When several financing arrangements pile up, it becomes hard to keep track of due dates and interest rates. Loan refinancing means paying off these commitments with a single new loan, on renegotiated terms.
Depending on your situation, consolidation can lower your average rate, reduce your monthly payment or shorten the repayment period. We first check that it really is in your interest, then present your file to the right banks.
Our approach
What we can consolidate
- Ongoing personal loans
- Credit card balances
- Leasing contracts, depending on exit conditions
- Overdrafts and account excesses
- Small financing arrangements and instalment plans
How much would your project cost?
Adjust the amount and the term to get a first estimate. We then compare offers from our partner banks for you.
Granting credit is prohibited if it leads to the consumer's over-indebtedness (art. 3 UCA).
Example: for a loan of CHF 10'000 over 12 months, at an effective annual rate of 9.95%, the total interest cost is CHF 523.31.
All loans are subject to review and approval of the application.
Estimated monthly payment
CHF 727.15/ month
- Indicative effective annual rate
- 7.9 %
- Total interest cost
- CHF 4'903.44
Indicative calculation only, not an offer. The final rate depends on your profile and on the bank's decision.
Frequently asked questions
Let's talk about your project.
A first conversation that is free, with no obligation, in your language.