Consolidated credit is a personalized financial solution that combines part or all of your existing loans into a single loan, resulting in one lower monthly payment.

It can include all personal loans, credit cards, payroll loans, car loans, etc., and, if desired, also your mortgage. Consolidated credit can be secured or unsecured.

By reducing the total amount of your monthly payments, this type of loan helps balance your financial situation and allows you to maximize your household budget. Choosing a consolidated credit solution gives you more liquidity that can be used for daily expenses or saved for the future.

With credit consolidation, you benefit from the following advantages:

• Lower monthly payments
• A single installment with one institution, on one due date
• Optimized household budget
• Reduced costs and, typically, lower interest rates

Once you have opted for consolidated credit, it is important to act responsibly and make informed decisions. Saving remains a key strategy for securing your financial future, as you will be repaying your debt over a long period.

Do not be tempted to use the money saved through consolidated credit to take on new loans. 
With real cash savings, you could even consider beginning to pay down your debt.