The answers to your questions about credit consolidation.
Oney.fr loan repurchase
A subsidiary of the Auchan group and Banque Accord, Oney.fr is one of the leaders in consumer loans and loan redemptions on the Internet. Oney.fr supports you in your project in order to reduce your monthly payments or to finance another project in sight. Oney.fr seeks to give you the best possible satisfaction by taking care of everything. Find out about the loan redemption offer offered by this financial organization.
Consolidate your loans to reduce your monthly payments
The repurchase of credits at Oney.fr is not different from that offered by other credit organizations. Oney.fr offers this solution to bring together your consumer loans in a single loan in order to considerably reduce the amount of monthly payments of debts generated by the contraction of loans. Having only one loan outstanding makes managing a budget more flexible .
You should know that Oney.fr does not offer to buy back mortgage loans . It simply offers the possibility of pooling consumer credits, including revolving credits or delinquencies. It is also possible to subscribe to a new loan which will be included in the repurchase of credits. Be careful, however, Oney.fr has set limits on the amount and duration of the loan. It should therefore be remembered that:
The minimum loan amount is $ 3,000 and the maximum amount is € 35,000.
The minimum duration is 12 and will not exceed 120 months.
In terms of advantages, we mention the possibility of deferring monthly payments once a year in the event of cash flow problems.
Do I need to provide supporting documents to Oney.fr?
Oney.fr wants to comply with the regulations imposed by the various French laws. In fact, no repurchase of credits can be granted if the repayment capacity of the applicant is not sufficient. So that the personalized study of the file can be done under the best possible conditions, Oney.fr requires a good number of documents. Thus, the applicant needs to justify his personal as professional situation by presenting:
A valid identity card.
A family record book.
Proof of less than 3 months to prove his domicile .
Bank account statements (last 3 months).
Pay slips (last 3 months) or other resources.
From the December pay slip before the request.
From the last tax notice
From the last council tax notice.
The last property tax notice if you are a homeowner.
The documents called "amortization tables" of the credits to be bought back.
Revolving credit statements (last 3 months).
If a co-borrower acts as guarantor, he must provide his identity card as well as his bank account statements in order to see if the latter is solvent.
Consult an Oney.fr advisor
Even though Oney.fr is an online portal, you can discuss your projects with a finance expert . There is a telephone platform that can be reached by dialing 08 26 00 43 43 (surcharged number) which is open weekdays from 8 a.m. to 8 p.m. and on Saturdays from 8:30 a.m. to 5 p.m. Another possibility is to use the oney.fr online simulation tool. The simulator only gives you a simple estimate of the benefits of buying back credits. You will then have the option of making an online request.