{"id":14154,"date":"2022-11-06T15:45:53","date_gmt":"2022-11-06T13:45:53","guid":{"rendered":"https:\/\/lica.ch\/?p=14154"},"modified":"2026-06-09T21:40:26","modified_gmt":"2026-06-09T20:40:26","slug":"why-consolidate-your-loans","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/rachat-de-credit\/pourquoi-effectuer-un-regroupement-de-credit\/","title":{"rendered":"Why carry out a debt consolidation?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Today, credit plays an important role in almost every household in Switzerland. Individuals and entrepreneurs alike opt for credit because of its many advantages. While this is certainly an advantageous solution for the consumer, the accumulation of credit can also give rise to numerous problems. In practice, it allows rapid access to funds, but it can also lead to high levels of indebtedness or an accumulation of credit. Indeed, when debt levels are too high, worries about interest rates, monthly payments or repayments are often unavoidable. To remedy this kind of financial constraint, credit consolidation is a good alternative!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit consolidation: what exactly is it?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit consolidation is the merging of all your credit into a single loan. This practice is often used to restructure debts. With all the available credit purchases we make every day, consolidating all credit is the simplest and most effective alternative to getting lost with your repayments. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More concretely, the principle of credit consolidation is to combine all your current loans into a single loan. This makes it possible to readjust monthly repayments in line with a household's repayment arrangements and capacities. To do this, a financial institution offers and agrees to repay all the borrower's outstanding loans. In exchange, the borrower obtains a single credit contract with a single, much more advantageous rate, monthly payment and maturity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When should you consolidate your loans?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying on credit is an advantageous alternative for consumers wishing to obtain quality goods or services. Everyone buys on credit nowadays. But behind these innovative solutions, the reality is often very different. When should you consider credit consolidation? To answer this question frankly, here are a few signs that you need to consolidate your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">An accumulation of credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you're having trouble keeping up with the number of loans you have to repay, you're suffering from credit accumulation. In fact, you've made numerous purchases on credit or taken out various loans that you're finding hard to manage. In this kind of situation, you need to consolidate your loans to avoid defaulting on payments and the penalties that may follow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Over-indebtedness<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Like credit accumulation, overindebtedness generally arises when you are unable to repay your debts. These may include your current expenses, monthly credit payments, etc. Over-indebtedness is clear evidence that you need to consolidate your credit. This operation can prevent you from falling into debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">High interest rates on your loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The average interest rate on personal loans is 9% for amounts between CHF 5'000.- and CHF 80'000.-. By contrast, the average interest rate on credit cards hovers around 12 %. With <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lica<\/a>With a credit consolidation, you can be sure of obtaining better conditions and therefore paying less each month. A credit consolidation could save you money on these interest charges. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">No repayment plan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As a type of revolving credit, credit cards allow you to borrow and repay funds on an ongoing basis. There is no set repayment schedule. If you continue to use your card, paying only the minimum amount each month, you could end up in serious debt. If you don't have a repayment plan, consider credit consolidation now.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, there are many reasons why you should consider credit consolidation. It generally depends on your individual problems. But in any case, it's an operation that offers more advantages than constraints.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5 good reasons to consolidate your credit<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. To simplify your finances<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Regrouping your credit can transform two, three or more payments into a single one. This can simplify budgeting and considerably reduce the risk of unpaid debts. You no longer have to worry about multiple due dates each month. What's more, the repayment amount is the same right up to the due date. So you'll have an accurate estimate of the amount due each month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Faster repayment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Credit consolidation can help you pay off your loans more quickly. Especially if you have significant credit card debt. Credit cards don't have a set schedule for repaying a balance. A credit consolidation contract, on the other hand, proposes a fixed payment at each due date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. A lower interest rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you consolidate your loans, not only will you no longer have several interest rates to consider, but you'll also benefit from a significantly lower rate. Of course, rates vary according to your <a class=\"lien-blog\" href=\"https:\/\/www.zek.ch\/fr-ch\/preneurs-de-credit-et-de-leasing\/donnees-sur-ma-personne\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a>The interest rate depends on the loan amount and the loan term. But by consolidating your loans with Lica, you'll probably obtain the lowest interest rate on the Swiss market. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Have a fixed repayment schedule<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With a fixed repayment schedule, your payment and interest rate remain the same throughout the term of the loan. There are no unexpected fluctuations in your monthly payment. By merging all your loans, you'll have a fixed repayment schedule and, of course, the exact amount of your loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. To reduce your monthly payments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In correlation with all the advantages mentioned above, you can drastically reduce your monthly payments if you consolidate your credit. With a single rate and a fixed due date, the amount will be significantly lower than if you were to repay each loan individually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit consolidation with Lica <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With Lica it's simple, fast and efficient! That's right, you make your request online in less than 2 minutes, and our specialized teams take care of the rest. That saves you time and money! <\/p>","protected":false},"excerpt":{"rendered":"<p>Aujourd\u2019hui, le secteur du cr\u00e9dit occupe une place importante dans presque tous les m\u00e9nages en Suisse. En effet, les particuliers et les entrepreneurs optent pour l&rsquo;octroi d&rsquo;un cr\u00e9dit \u00e0 cause des nombreux avantages. Il s\u2019agit, certes, d\u2019une solution avantageuse pour le consommateur, mais le cumul des cr\u00e9dits peut \u00e9galement susciter de nombreux probl\u00e8mes. Dans la [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":27960,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-14154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rachat-de-credit"],"_yoast_wpseo_focuskw":"Regroupement de cr\u00e9dit","_yoast_wpseo_title":"Avec le regroupement de cr\u00e9dit vous \u00e9conomisez des mensualit\u00e9s","_yoast_wpseo_metadesc":"Un regroupement de cr\u00e9dit est la meilleure fa\u00e7on de r\u00e9duire rapidement ses mensualit\u00e9s et d'\u00e9conomiser une somme importante chaque mois.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avec le regroupement de cr\u00e9dit vous \u00e9conomisez des mensualit\u00e9s<\/title>\n<meta name=\"description\" content=\"Un regroupement de cr\u00e9dit est la meilleure fa\u00e7on de r\u00e9duire rapidement ses mensualit\u00e9s et d&#039;\u00e9conomiser une somme importante chaque mois.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/en\/debt-consolidation-loan\/why-consolidate-your-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avec le regroupement de cr\u00e9dit vous \u00e9conomisez des mensualit\u00e9s\" \/>\n<meta property=\"og:description\" content=\"Un regroupement de cr\u00e9dit est la meilleure fa\u00e7on de r\u00e9duire rapidement ses mensualit\u00e9s et d&#039;\u00e9conomiser une somme importante chaque mois.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/en\/debt-consolidation-loan\/why-consolidate-your-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Lica cr\u00e9dit priv\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lica.suisse\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-06T13:45:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-09T20:40:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2022\/11\/Regroupement-de-credit_IMA.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Manuel Ognissanti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" 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