The answers to your questions about credit consolidation.
Redemption of LCL credits
Crédit Lyonnais has existed since 1863. It is one of the oldest French banks, just like Société Générale and BNP Paribas . It distributes banking products , but also insurance . In 2002, Crédit Lyonnais merged with Crédit Agricole . This new alliance will give birth to its new name LCL in 2005. Today, LCL offers flexible solutions to individuals so that they can finance new projects such as credit consolidation. “Ask your bank for more” , as the LCL group slogan states!
Consolidate credits with the LCL
If LCL's first activity was centralized on banking products, today its product portfolio has greatly diversified. It is possible to find solutions to make your money grow (savings account, life insurance, stock market ...) as offers to increase your purchasing power (the repurchase of credits). In this post, we are interested in the credit consolidation solution offered by LCL.
What does this banking organization offer?
The offer proposed by the LCL group is almost identical to the solutions of other financial organizations. In fact, LCL allocates you a sum of money which will be subject to an interest rate. This sum of money will allow the borrower to settle the current consumer loans including the termination fees for early repayment . In fact, the borrower finds himself in possession of a single loan. Home loans are not accepted.
The LCL's consumer buy-back solution has a number of advantages, such as:
LCL becomes your only bank that manages your credit.
A single linear monthly payment . The monthly payment remains the same throughout the duration of the loan.
A single, fixed rate. All credits collected under subject to the same interest rate.
The LCL's consumer buy-back solution makes it possible to:
Take out a loan for a minimum amount of $ 3,000 and a maximum of $ 60,000.
Choose the duration of the loan : 12 months to 84 months.
Fund a new project for a maximum amount of $ 15,000.
LCL regularly offers promotional offers such as no administration fees or tight interest rates.
For who ? Anyone can request a loan buyback. You don't have to be in a difficult financial situation to increase your purchasing power. In fact, you can apply if:
You feel like you are on a tight budget.
You want to finance a new project.
You want to anticipate a retirement .
You are far-sighted and want to anticipate the future.
You divorce and the financial situation is likely to get worse.
LCL will never grant a repurchase of consumer loans if you are over-indebted or stuck in the Bank of United States. Before giving a favorable opinion on your request, LCL must ensure that your capacity to borrow is suitable.
Talk to a financial advisor from the LCL
Before contacting an LCL advisor, why don't you do an online simulation ? This option is available on the lcl.fr bank portal ! For a personalized study, contact your bank advisor directly or call 09-74-50-11-01.