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What is debt consolidation ?

Debt consolidation rolls multiple debts, typically high-interest debt such as credit card bills, into a single payment. Debt consolidation might be a good idea for you if you can get a lower interest rate. That will help you reduce your total debt and reorganize it so you can pay it off faster.

Debt consolidation is a great tool for people who have multiple debts with high-interest rates or monthly payments—especially for those who owe $10,000 or more. By negotiating one of these loans, you can benefit from a single monthly payment in lieu of multiple payments

Consolidation can lower your loan payments if you get a lower rate or can pay off your debts sooner.
Debt consolidation is the act of taking out a single loan to pay off multiple debts. There are two different kinds of debt consolidation loans: secured and unsecured. Consumers can apply for debt consolidation loans, lower-interest credit cards, HELOCs, and special programs for student loans. Benefits of debt consolidation include a single monthly payment in lieu of multiple payments and a lower interest rate.
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  • Fill in the online application form

    Fill in the loan application form in your online bank.

  • Immediate confirmation with a message in your inbox

    We will check your application immediately. If your application is approved, you will receive the loan contract from our bankers.

  • Fast payment

    The loan amount will be immediately transferred to your current savings account.

Debt Settlement vs. Debt Consolidation

An important point to note is that debt consolidation loans don’t erase the original debt. Instead, they simply transfer a consumer’s loans to a different lender or type of loan. For actual debt relief or for those who don’t qualify for loans, it may be best to look into a debt settlement rather than, or in conjunction with, a debt consolidation loan.

Debt settlement aims to reduce a consumer’s obligations rather than the number of creditors. Consumers can work with debt-relief organizations or credit counseling services. These organizations do not make actual loans but try to renegotiate the borrower’s current debts with creditors.

Completely online

Apply for a debt consolidation loan from the comfort of your sofa: a visit to the URGENCES FINANCES UE branch is not necessary.

Fast payment

Thanks to simple processing, the money goes straight into your account.

  • Should I consolidate debt ?

    • Consolidation can lower your loan payments if you get a lower rate or can pay off your debts sooner.
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  • Do I have to insure my loan ?

    • Insuring your credit allows you to be covered in the event of the unexpected. Concretely, the insurance will intervene in the event of a hard blow (illness, accident, loss of employment) or in the event of death. It’s up to you to choose, depending on your profile and your abilities, at what level you want to insure yourself: with or without the loss of employment guarantee.
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  • How long to get a loan

    • After making your loan request, our experts will get in touch with you while studying your file. If everything is in order, you will receive the funds within 72 hours at most.
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We would be happy to advise you !

We'll advise you on the loan that's best for you and your goals. Contact your local savings bank here.