Debt consolidation
Combine multiple debts, clear overdrafts, and reduce your monthly commitments with one single, low-interest installment.
Net loan amount
€2,000 – €120,000
Duration
12 – 120 months
Representative APR (example)
ab 4.89 % eff. p. a.
Regain financial breathing room and clarity
Carrying multiple credit cards, buy-now-pay-later balances, and an overdraft? High interest rates drain your monthly budget. Consolidating your loans combines all existing obligations into a single predictable loan with lower interest rates and immediate monthly savings.
Key benefits
- ✓One monthly installment instead of many
- ✓Full overview of your finances
- ✓Clear calculation of savings
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 04
Eligibility & Documentation
Simple payoff for your existing loans:
Existing Credit Lines
Active consumer loans, overdrafts, or credit cards targeted for restructuring and closure.
Repayment Capacity
Regular earnings capable of comfortably servicing the new consolidated lower installment.
Free Settlement Service
The new lending bank manages all paperwork and payouts to previous lenders on your behalf.
Loan Statements
Recent account statements displaying outstanding balances and regular payment deductions.
Process
4 Steps to debt consolidation
How to streamline your monthly commitments:
List existing loans
Enter remaining balances and monthly payments of your active credit lines.
Calculate interest savings
We assess your potential interest savings and establish your new, reduced monthly rate.
Digital settlement authorization
Sign the new agreement and authorization form — we handle all cancellations with old creditors.
Debts paid off
The new partner bank repays your previous lenders directly. You now have just one single easy installment.
Simulation
Calculate monthly payment for Debt consolidation
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Debt consolidation FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €15,000, 60 months duration, borrowing rate 4.78% p.a., representative APR 4.89%, monthly payment €281.50, total amount payable €16,890.00. Subject to status and affordability.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.