{"id":5781,"date":"2025-09-25T09:06:55","date_gmt":"2025-09-25T07:06:55","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5781"},"modified":"2026-01-16T23:58:21","modified_gmt":"2026-01-16T22:58:21","slug":"consolidate-my-loans-and-reduce-my-monthly-payments","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/rachat-de-credit\/regrouper-mes-credits-et-diminuer-mes-mensualites\/","title":{"rendered":"Why is it beneficial to consolidate my loans?"},"content":{"rendered":"<p id=\"viewer-7ojq1\">Whether it's to buy a new car, pay for your education, new furniture or any other expense, loans add up quickly. They can often be at very high interest rates, with monthly bills that are difficult to manage. Managing your debts well and reducing your monthly payments as much as possible are the best solutions for quickly becoming loan-free! Consolidating my credit is an excellent way to save on my monthly payments.<\/p>\n\n\n\n<p id=\"viewer-ckkh3\">What we call debt consolidation is a strategy that can simplify the management of your monthly payments. This is achieved by combining all your debts into a single payment. It often comes with a much lower interest rate than you were paying each month before. While boosting your credit rating with <a class=\"lien-blog\" href=\"https:\/\/www.zek.ch\/fr-ch\/preneurs-de-credit-et-de-leasing?cID=&amp;langID=2&amp;langID=1&amp;langID=2\" target=\"_blank\" rel=\"noreferrer noopener\">the credit intelligence center.<\/a><\/p>\n\n\n\n<p id=\"viewer-cgmtj\">One effective way of consolidating your debts is to take out a personal loan. This involves transferring your various loans, such as leasing, private credit and credit cards, to a single, much lower monthly payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-9a8jo\">Let's take a closer look at the advantages of consolidating my loans<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-t530\"># 1 Reduced interest rates<\/h3>\n\n\n\n<p id=\"viewer-efchq\">Most of the small debts <a class=\"lien-blog\" href=\"https:\/\/www.vaudfamille.ch\/N231172\/credit-a-la-consommation-attention-aux-arnaques.html\" target=\"_blank\" rel=\"noreferrer noopener\">very high interest rates<\/a>. They can significantly increase the debt you owe. By paying off several high-interest debts with a lower-interest loan, you'll pay significantly less in the long run. As a result, your monthly repayments will be lower and your budget will be better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-38si1\"># 2 can improve your credit score<\/h3>\n\n\n\n<p id=\"viewer-bcjl5\">Speaking of credit scores (<a class=\"lien-blog\" href=\"https:\/\/www.zek.ch\/fr-ch\/preneurs-de-credit-et-de-leasing?cID=&amp;langID=2&amp;langID=1&amp;langID=2\" target=\"_blank\" rel=\"noreferrer noopener\">registration in the central ZEK and IKO files<\/a>), another advantage of debt consolidation is that it can give a nice boost to your current score. If you consolidate by taking out a personal loan, you're likely to see an increase in your score. This can be achieved in just a few months, as you reduce your rate of <a href=\"https:\/\/www.lica.ch\/en\/\">credit<\/a>. A good rating in the central files = good loan conditions!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-k57\"># 3 Less stress<\/h3>\n\n\n\n<p id=\"viewer-d9c0n\">Consolidating your debt into one manageable payment will greatly reduce your stress and help eliminate the clutter that multiple payments can give. Money matters like debt are notorious for leading to stress. By taking control of your finances with a single monthly payment, you'll quickly find yourself in a better financial situation thanks to <a href=\"https:\/\/www.lica.ch\/en\/solvable\/reduce-expenses-and-optimize-your-budget\/\">a budget under control<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-e0111\"># 4 Regrouping my loans allows me to repay faster <\/h3>\n\n\n\n<p id=\"viewer-1gjic\">It's not uncommon for credit card balances or small loans to take years to pay off in full. After all, they earn interest on what you owe! So lenders don't care if it takes you 5 years or more to pay off your debt. One advantage of debt consolidation is that this process will enable you to plan regular repayments of <a href=\"https:\/\/www.lica.ch\/en\/\">your credits<\/a>. This ensures that your loans are repaid within a reasonable period of time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-fiqvr\">And finally...<\/h3>\n\n\n\n<p id=\"viewer-17e9f\">As with all <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/\">financing request<\/a>, It's important to carefully assess your own situation. This is to determine whether this is the best solution for you and what your current budget is. Loan consolidation generally offers significant savings, so it's a very attractive option to consider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-895c3\">I'd like to consolidate my loans and get my budget back on track!<\/h2>\n\n\n\n<p id=\"viewer-8bstv\">Now that you know the advantages of consolidating your private credit, all you have to do is apply. With <a href=\"https:\/\/www.lica.ch\/en\/\">Lica<\/a> it's simple, fast and efficient! That's right, you make your request online in less than 2 minutes, and then our specialized teams do the work for you. That saves you time and money!<\/p>","protected":false},"excerpt":{"rendered":"<p>Que ce soit pour acheter une nouvelle voiture, payer vos \u00e9tudes, du nouveau mobilier ou toute autre d\u00e9pense, les pr\u00eats s\u2019accumulent rapidement. Ils peuvent souvent \u00eatre \u00e0 des taux d&rsquo;int\u00e9r\u00eats tr\u00e8s \u00e9lev\u00e9s avec des factures mensuelles difficiles \u00e0 g\u00e9rer. Bien g\u00e9rer ses dettes et r\u00e9duire au maximum ses diff\u00e9rentes mensualit\u00e9s sont les meilleures solutions pour [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-5781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rachat-de-credit"],"_yoast_wpseo_focuskw":"Regrouper mes cr\u00e9dits","_yoast_wpseo_title":"Regrouper mes cr\u00e9dits pour diminuer mes mensualit\u00e9s","_yoast_wpseo_metadesc":"Regrouper mes cr\u00e9dits permet de diminuer mes mensualit\u00e9s et de retrouver un \u00e9quilibre dans mon budget. J'\u00e9conomise avec un cr\u00e9dit chez Lica.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regrouper mes cr\u00e9dits pour diminuer mes mensualit\u00e9s<\/title>\n<meta name=\"description\" content=\"Regrouper mes cr\u00e9dits permet de diminuer mes mensualit\u00e9s et de retrouver un \u00e9quilibre dans mon budget. 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