Consolidate Your Loans and Breathe Again
Combine all your loans into a single reduced monthly repayment. Simplify your budget management and instantly restore your purchasing power.
A Solution to Balance Your Budget
Debt consolidation allows you to merge your mortgage, personal and revolving loans into a single loan, with one reduced monthly repayment.
Lower Monthly Repayments
Reduce the amount of your monthly repayments by up to 60% by extending the repayment term.
Single Point of Contact
No more multiple direct debits and banks. You only have one loan to manage.
New Project
Option to include additional cash to finance a new project (home improvements, car) without increasing your monthly outgoings.
Expertise in Debt Consolidation
Free Personalised Assessment
A financial analyst reviews your application free of charge and without obligation to offer you the best solution.
Simplified Process
We take care of repaying all your former creditors. You have nothing to do.
Total Confidentiality
Your data is protected and your financial situation is handled with the utmost discretion.
Estimate Your New Monthly Repayment
Quickly discover how much you could save each month by consolidating your current loans.
At Your Side from Day One Through to Full Repayment
At Flucredit, obtaining your loan is not merely a transaction. We are committed to supporting you free of charge, from signing your agreement through to your final monthly repayment.
Disbursement & Release
Rapid availability of funds in your account and establishment of your clear amortisation plan.
Free Personalised Follow-up
Your dedicated adviser remains available 6 days a week to review your monthly repayments, answer questions and discuss your projects.
Effective Repayment
Smooth closure of your loan, issuance of the balance certificate and release of guarantees at no cost.
Dedicated Financial Adviser
A single dedicated contact manages your application from start to finish. Reachable via live chat, telephone or email, he is fully conversant with every detail of your situation.
100% Free with No Hidden Fees
Our ongoing support is entirely free of charge. No assistance fees, no application monitoring fees will ever be charged during the life of your loan.
Flexibility & Management of Unforeseen Events
An unforeseen event or additional income? We help you adjust the amount of your monthly repayments, take a payment holiday or make an early repayment without hassle.
Availability & Responsiveness 6 Days a Week
Whether via your secure customer portal, our live chat or by telephone, your team responds to all your enquiries within 24 working hours.
They Have Regained Peace of Mind
"I had accumulated several consumer loans and could no longer manage. Debt consolidation allowed me to halve my monthly repayment. I feel reborn!"
"Excellent support. The adviser was very attentive and handled everything with my former banks. Such a relief."
"We were able to consolidate our mortgage with our car loan, which freed up enough margin to redo the kitchen."
"As we approached retirement, we wanted to reduce our overall monthly burden. Our monthly repayment went from €1,450 to €780."
"No more end-of-month anxiety and repeated overdraft fees. A single clear direct debit and an integrated safety buffer."
"I had 4 revolving loans with exorbitant rates. Flucredit bought them all back into a single loan at a very low fixed rate."
"The transaction allowed us to keep our family home while bringing our debt ratio below 30%."
"My disposable income increased by more than €450 each month. I have got my smile back and sleep peacefully."
"A team showing great kindness who never judges your situation. The financial structure was bespoke and very clear."
"Consolidation of my personal loans and a tax debt into a single staggered monthly repayment. A real breath of fresh air."
"We were able to include funds to finance our son's higher education in the consolidation without increasing our monthly repayment."
"I used to spend my time juggling different direct debit dates. Now everything is debited on the 5th of the month – crystal clear."
"The simulation immediately gave me an accurate view of achievable savings. Contract signed without hesitation."
"A 42% reduction in my combined loan repayments. I can finally save a little each month for my grandchildren."
"As homeowners, we needed to finance roof renovation. The consolidation funded the works while reducing our payments."
"Consolidation of my main mortgage and two home improvement loans. Net gain of more than €300 each month."
"Remarkable human support. My adviser kept me informed by SMS at each stage of the debt consolidation."
"My debt ratio was too high to realise a new project. The consolidation cleaned everything up quickly."
"Process conducted with complete discretion and without any obligation to change bank for my current accounts."
"As a manager, I wanted to optimise the management of my investments. Flucredit structured a perfect financial solution."