Warning, borrowing money also costs money.
CPE Crédit, a European expert in debt consolidation, buys out all your existing loans to combine them into a single credit, with a monthly payment adapted to your current situation. Simplify your life and regain your financial peace of mind.
Simulate your debt consolidation
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
💸 Do you feel trapped by your debts, with payments piling up? Debt consolidation is a strategic operation: a single organization, CPE Crédit, buys out all your current loans (personal, car, revolving credit…) to offer you a new, single contract that is clearer and often lighter.
A loan here, a credit line there… You have multiple creditors, and it’s become impossible to track who’s charging what and when.
The end of the month is a constant source of anxiety. The complexity of your repayments prevents you from planning and looking ahead.
Your debt-to-income ratio is too high, you can no longer borrow, and all your new projects are blocked.
No more multiple contacts. CPE Crédit becomes your single point of contact for simplified management.
We renegotiate the terms of your overall debt, often by extending the term, to reduce your monthly burden.
Debt consolidation allows you to replace various rates (sometimes very high) with a single interest rate for your entire new debt.
The consolidation operation can include an additional sum of money to finance a new project or create a safety net of savings.
“Debt consolidation is entrusting the keys to your debts to an expert who settles them for you and offers a single new contract, simpler and better suited. It’s a true financial fresh start.”
100% free simulation • No obligation • Quick in-principle decision
Entrusting the consolidation of your credits to a specialist means choosing clarity, efficiency, and a rebalanced budget.
You radically simplify the management of your personal finances. Your budget becomes clear and easy to anticipate.
By optimizing the repayment term of the new contract, we aim to significantly reduce your monthly burden to give you back purchasing power.
Our online simulator, free and without obligation, gives you a clear overview of your debt consolidation potential in less than a minute.
Initiate your request, submit your documents, and sign your contract remotely. A time and comfort saver, without sacrificing security.
Debt consolidation replaces a multitude of rates (often high) with a single rate, making the cost of your overall debt more transparent.
Consolidation is the perfect opportunity to include extra cash for a new car, renovations, or any other project, without complicating your paperwork.
Our advisors, based in Belgium and Luxembourg, are specialists in debt consolidation. They guide you and defend your interests at every step.
Once your monthly payment is reduced, set up an automatic transfer of the difference to a savings account. Effortlessly, you build a safety reserve for the future.
Ask your CPE Crédit advisor how to set this up.
See for yourself how a debt consolidation operation can transform your monthly finances.
| Your current loans | Situation Before Consolidation | After Consolidation by CPE Crédit |
|---|---|---|
| Personal loan (balance €12,000) | Monthly payment: €320 (9.20% APR, 48 months remaining) |
New Single Loan: €480 / month Total capital consolidated: €24,500 New fixed APR*: 6.95% New term: 72 months |
| Car loan (balance €8,500) | Monthly payment: €280 (6.40% APR, 36 months remaining) |
|
| Revolving credit (balance €4,000) | Monthly payment: €150 (14.90% APR) |
|
| Total of your monthly payments | €750 | €480 |
| Total of your debts | €24,500 | €24,500 |
| Purchasing power regained: | + €270 / month | |
🔍 Outcome of the operation: €270 of purchasing power regained each month! This money can be used to save, finance new projects, or simply live more peacefully.
* The figures in this example are purely illustrative. A personalized offer is established after a complete review of your file. The debt consolidation operation, by extending the repayment term, may increase the total cost of the credit. Careful comparison is essential.
For a debt consolidation operation to be feasible, we study several key criteria to ensure we provide you with a sound and sustainable solution.
| Criterion | What we check |
|---|---|
| Debts to be consolidated | At least one existing loan (personal loan, car loan, revolving credit…). Consolidation is all the more relevant if you have several debts to combine. |
| Your age | You must be between 18 and 75 years old at the end of the new credit contract. These limits may vary. |
| Income stability | Essential. You must provide proof of regular and sufficient income (salary, pension, stable self-employment income…) to cover the new monthly payment. |
| Target debt-to-income ratio | After consolidation, your debt-to-income ratio must be viable, generally below 33-35%. This threshold can be adjusted based on your overall profile and your “disposable income”. |
| Your credit history | A good payment history is an advantage. A negative listing at the National Bank of Belgium (NBB) or CSSF (LUX) makes the operation more complex, but solutions sometimes exist for homeowners. |
| Your housing situation | Whether you are a tenant or a homeowner, solutions exist. Being a homeowner (especially with a small mortgage) can open the door to more flexible mortgage consolidation solutions. |
| Total amount to be consolidated | From €3,000 to €100,000 for a consumer credit consolidation. Above this amount, or if a mortgage is included, a consolidation with a mortgage guarantee will be necessary. |
| Place of residence | Our offers are for residents of Belgium or Luxembourg. |
Don’t rule yourself out. The best way to know if you are eligible is to run a free simulation. Our advisors will analyze your personal file without any commitment to find the best option for you.
We have designed a simple and transparent journey to guide you towards your new financial start.
Start with our simulator. Fill in your current loans and your information. Submit your application in a few clicks.
A dedicated advisor calls you to refine your project, answer your questions, and list the documents to be provided.
After your file is approved, you receive a clear contract offer and the Standardised European Consumer Credit Information sheet (SECCI/ESIS).
Take the time to read the offer. If it suits you, sign it. You have a 14-day withdrawal right.
We take care of everything. We contact your former creditors and settle all the loans included in the operation ourselves.
The additional cash (if requested) is paid into your account. Your new single repayment begins the following month.
A complete file is the secret to a quick processing time. Prepare these documents to speed up your application.
Take a clear photo of your documents with your phone. Rename them (e.g., “Payslip_April.jpg”) before sending. A well-organized file is a file processed faster!
CPE Crédit is committed to full clarity and compliance with the legal frameworks that protect you in Belgium and Luxembourg.
Your debt consolidation is regulated by financial authorities to guarantee your rights:
You always have a 14-day right of withdrawal after signing your consolidation contract.
No bad surprises, the cost of your consolidation is transparent:
The Standardised European Consumer Credit Information sheet (SECCI/ESIS) is provided to you before signing for a detailed analysis.
Discover detailed answers to the most common questions about debt consolidation in Belgium and Luxembourg.
In practice, these terms refer to the same financial operation. There is no legal or technical difference between them. However, one can see a semantic nuance:
At CPE Crédit, whether you talk about buyout or consolidation, we understand your need: to simplify your finances, lower your monthly payments, and give you a fresh start.
Yes, absolutely. This is the very core of the debt consolidation process and one of the main benefits for you. Once your debt consolidation contract is definitively accepted and signed, and after any withdrawal period, you no longer have to worry about your old loans.
Our service handles all the paperwork:
This comprehensive handling ensures that all your old debts are settled and saves you from tedious and sometimes stressful administrative procedures. You will only have one point of contact: CPE Crédit.
A debt consolidation can encompass a wide variety of private debts. The most common are:
More specific cases:
The simplest way is to list all your debts when you apply. Your CPE Crédit advisor will tell you exactly what can be consolidated in your situation.
This is the main goal in most cases, but it is not a requirement. The reduction in the monthly payment is most often achieved by extending the repayment term of the new loan. This gives you more breathing room each month.
However, you may have another goal. For example, if your income has increased, you might want to consolidate your debts to:
Debt consolidation is a flexible tool. Discuss your main goal with your CPE Crédit advisor: is it to reduce the monthly payment, reduce the total cost, or finance a new project? They will tailor the proposal accordingly.