The repurchase of credits is defined as the merger of all the loans taken out into a single . In the end, this results in a single monthly payment, considerably reduced, offered at a single rate. This greatly lightens the burden of charges on the household budget. The latter can then stabilize its financial situation again, or even invest in new projects. The online bank Oney.fr, a subsidiary of Banque Accord and the Auchan group, specializes in consumer loans and loan redemptions . It also studies requests for reserve money. You can perform a credit consolidation simulation online on Oney.fr. This will give you an indication of your new monthly payment.
In order to simulate your credit restructuring, two options are possible:
- go directly to the Oney.fr simulator introduction page
- follow the steps leading you to the simulator , from the Oney.fr home page
For this second option, open the Oney.fr site. On the home page, select “ Credits ”, the second choice from the menu bar.
Extract from the official website Oney.fr
By clicking on “ Credits ” or on the arrow / triangle to the right of “ Credits ”, you open the corresponding drop-down menu
Select “ Credit consolidation ” or click on the link below “ Discover credit consolidation “. This takes you to a page explaining the advantages of credit redemption. You have to go almost to the bottom of the page in the section “ How to consolidate credits ? ”Then on the link:
Finally, you access the simulator introduction page. If you are not an Oney.fr customer , click on “ Next step ” in the “ New customer ” column. If you have an Oney account, choose the right column “ Already customer ” and connect, either with your username or with your email address. Confirm in both cases by clicking on “ I connect to the customer area ”.
Beforehand, make an account of all the deadlines and remaining balances due of your credits in order to be able to inform them in the form to be filled which consists of four stages: “ Your situation “, “ About you “, “ Your budget “ , “ Our response “.
In the first step entitled “ Your situation ”, you must provide information on “ Your credits and your charges ” as well as “ Your need for additional cash ”. Indicate in “ Type of credit ” - “ Specify the type of credit ” if it is a car, boat, real estate, personal loan, revolving credit… Choose the bank with which the credit was taken out in the drop-down menu by clicking on “ Specify the establishment ”. Complete all the fields, leaving the box “ I wish this loan to be redeemed ” checked. If you do not want it, uncheck the box. You can add additional credits or withdraw the last recorded credit, by clicking at the bottom of the form on the link “ Add additional credit ” or “ Remove this credit “. Don't forget to validate using the “ Continue ” button.
In the second step “ About you ”, you must complete all the fields; these concern “ Your contact details ” ( your personal data ), the “ Co-borrower ”, “ Your current accommodation ”, “ Your family situation ”.
If you have a co-borrower , indicate “ Yes ” and complete their personal information.
You do not wish to receive commercial solicitations from Oney or its partners by email? Check the “ No ” boxes in “ Stay informed of our offers and news ”. Click on “ Continue ” to progress through the form.
The third step “ Your budget ” contains the details of your professional situation (“ Your profession ”). Specify for example if you are a student, on CDD, Temporary, CDI… Record “ Your monthly income ” then click on “ Continue ”.
The last and fourth step “ Our response ” validates the transmission of your form to the CFC partner , specialist in credit consolidation, of Oney.fr.
This form ( Oney.fr online simulator ) has no contractual value since it is simply an estimate. The latter must be the subject of an in-depth study with a CFC expert. You receive a response quickly . Note that with the Oney.fr simulator, you can view the progress of your file with your login details at any time.