Do you want to acquire a new vehicle for your family? Do you want to buy a more efficient car? Even if you already have one or more credits in progress, Cofinoga allows you to carry out your new vehicle purchase project thanks to the grouping of credits.

 

Why collect your credits?

Why collect your credits?

A credit grouping consists in gathering one or more credits, and debts if necessary, even if they are of different nature (credit cards of shops, real estate loans, consumer credits, car loan, overdrafts), in one and the same loan personal, subject to acceptance of your file. The fact of collecting all its credits can allow, to lower the amount of your monthly payments by also varying the duration of the loan. It is a solution to adjust the amount of his reimbursements to his current income. To finance your vehicle project, you can simulate and requestyour credit directly online. You will get all the necessary information about your loan (monthly payments, term, rate, total cost of credit, etc.). By finalizing your credit application online, you will get a first response in principle without waiting.

 

What are the advantages of credit consolidation?

What are the advantages of credit consolidation?

  • extend the term of the loan up to 300 months to lower the amount of your monthly payment,
  • combine all of your repayment dates into one single fixed monthly payment,
  • benefit from a single personal loan at a fixed rate and duration,
  • to redeem all of your credits (and debts if applicable) from $ 10,000 up to $ 400,000 in the form of a personal loan or mortgage
  • let you choose the monthly date for collecting your reimbursements,
  • to offer you the expertise of our financial advisers, who receive you face-to-face in one of the forty Cofinoga financial centers spread throughout France.
  • manage your credit with a single financial institution, which will simplify the management of your repayments

 

Complete your credit consolidation in 7 steps

Complete your credit consolidation in 7 steps

  1. You make a simulation directly online or by phone to find the solution best suited to your budget.
  2. You immediately get a first answer in principle.
  3. You download and print the “Commercial Proposal” (in parallel you will receive it by post)
  4. You return by mail the commercial proposal accompanied by all the supporting documents required for the study of your file.
  5. After study and subject to our favorable opinion, you will receive, by mail, your Credit Agreement Offer.
  6. You return your completed, dated and signed “Credit Agreement Offer”. From the signing of the “Credit Agreement Offer”, you have a withdrawal period of 14 days.
  7. You will receive your funding as soon as possible.

Please note: decreasing the amount of your monthly payment (s) may lead to an extension of the repayment period and increase the total cost of the credit.