Consumer credit
Fund everyday purchases and personal projects.
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Debt consolidation — a single monthly payment
To reorganise,
To reorganise,
and take back control.
From €5,000 to €200,000, over 24 to 144 months. Fixed APR from 3.00%, up to a 60% reduction in monthly payment.
3.00 %
Min. fixed APR
€0
Brokerage fees
14 d
Legal cooling-off
Consolidation simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
Apply now
Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Single fixed APR
A single rate for all consolidated loans. One manageable monthly payment.
No brokerage fees
No intermediary fees. Early repayment indemnities on settled loans fully itemised.
Tailored review
Preliminary decision within 48 business hours of receiving a complete application.
Additional cash
Option to include a cash envelope of up to 20% of the total consolidated amount.
Detailed terms
Restructured debts,
Restructured debts,
a recovered budget.
- Minimum amount€5,000
- Maximum amount€200,000
- Minimum term24 months
- Maximum term144 months
- Supporting documentAmortisation schedules
- Origination fees€0
- Borrower insuranceOptional (recommended)
- Disbursement of fundsPaid directly to existing creditors
- Early repaymentNo penalty up to €10,000 / year
- GuaranteeSurety or mortgage depending on amount
Indicative fixed APR scale
Excluding optional insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €5,000 — €15,000 | 48 months | 4.20% |
| €15,000 — €40,000 | 72 months | 3.60% |
| €40,000 — €80,000 | 96 months | 3.20% |
| €80,000 — €150,000 | 120 months | 3.00% |
| €150,000 — €200,000 | 120 months | 3.00% |
| €150,000 — €200,000 | 144 months | 3.30% |
Representative example: for a consolidation of €60,000 over 96 months at a fixed APR of 3.20%, you repay 96 monthly payments of €706.46. Total cost of credit: €7,820.
Why choose Calp for your debt consolidation
Four reasons to trust Calp
Debt consolidation is a technical operation: balancing the monthly payment, term, total cost and disposable income. Calp offers a free, no-obligation personalized study by a dedicated buyout analyst.
Free study, no commitment
The full analysis of your situation is free, even if refused. You receive a summary showing current monthly payment, consolidated monthly payment, total cost and optimized term. No obligation to subscribe.
One monthly payment, one contact
Your loans are paid off directly by Calp with the lenders. From the following month, you only have one monthly payment, on a fixed date you choose, with a single dedicated advisor.
Immediate monthly payment reduction
Consolidation typically reduces the global monthly payment by 30 to 60%. The freed-up disposable income can fund savings, projects or daily expenses without resorting to overdraft.
Additional cash possible
Beyond consolidating existing loans, you can add a cash envelope for a specific project (work, vehicle, event) within 15% of the total amount bought out. One operation, one rate.
Eligibility criteria
Who can apply for a Calp debt consolidation?
Calp debt consolidation is for individuals with at least two active loans wishing to simplify their financial management. The operation is more advantageous when including at least one mortgage (mortgage consolidation) or a total amount above EUR 30,000.
- Age at subscription18 to 80 at last due date
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,400 / month
- Employment statusPermanent, civil servant, self-employed, retired
- Pre-operation debt-to-income ratioUp to 75% accepted
- Banking historyCredit incidents studied case by case
Documents to submit with your application
PDF upload from your client area. Personalized study within 48 business hours, preliminary approval within 5 days.
-
ID and proof of address
Valid national ID or passport for each co-borrower, plus a proof of address less than 3 months old (utility bill, rent receipt, tax notice). -
Amortization schedule for each loan
For each active loan: up-to-date amortization schedule, remaining capital, last monthly payment, early repayment indemnity stated by the lender. Documents provided on request by your bank. -
Proof of income
Last three pay slips, last two tax notices. Self-employed: last two balance sheets. Landlords: latest rental income tax return. -
Last three months of bank statements
Statements of the main account and any secondary account receiving income (side salary, rent, allowances). Used to verify income regularity and fixed expenses. -
For mortgage consolidation: title deed
Notarized deed of ownership for the property pledged as security, latest property tax, recent appraisal (estate agent or notary) of the property to be mortgaged.
Typical use cases
Who benefits most from Calp debt consolidation?
Consolidation is not always the best solution: it usually extends the term and can increase total cost. Below are the four profiles for whom it is most relevant in 2025.
Stabilizing over-indebted household
Combination of 4 to 8 consumer loans after a difficult period, debt-to-income ratio above 45%. Consolidation brings the ratio below 35% and restores disposable income. Average amount EUR 28,000, term 120 months.
Homeowner with old mortgage
Mortgage taken at over 3% combined with two or three consumer loans. Mortgage consolidation aligns everything on a single, lower, more stable rate. Average amount EUR 145,000.
Preparing a new project
Wish to acquire a vehicle, fund home improvement or a move, but debt-to-income already high. Consolidation frees the needed borrowing capacity without increasing total monthly payment.
Preparing for retirement
Employee 5 to 10 years from retirement with several loans whose terms exceed retirement age. Consolidation aligns loan maturity with pension payment start. 12% of files.
Frequently asked questions
Your questions, our answers.
01
Which loans can be consolidated?
All types: consumer, mortgage, revolving, overdrafts, miscellaneous debts. Including a mortgage is possible when it represents more than 60% of the total.
02
How much can the monthly payment be reduced by?
Up to a 60% reduction depending on term extension. Personalised simulation, free of charge.
03
Is a mortgage guarantee required?
Simple surety up to €80,000. Beyond that, a mortgage on a property is generally required.
04
How long does it take to set up?
Review within 48 hours, disbursement and creditor repayment within 30 days of acceptance.
05
Does debt consolidation increase the total cost?
Yes, in most cases. Extending the term reduces the monthly payment but increases total interest. Calp systematically shows total cost before and after consolidation in the simulation. The operation remains worthwhile when it prevents a payment default or frees indispensable disposable income.
06
How many loans can be consolidated?
From 2 to 15 loans, with no formal limit. Calp consolidates consumer loans, restricted loans (vehicle, home improvement), revolving credit and, in the case of a mortgage buyout, up to one mortgage. Recurring overdrafts and tax arrears can be included.
07
Can my credit-incident file be accepted?
A credit incident registration is not an automatic refusal. Calp studies each file individually: seniority, reason, regularization path, presence of real estate offered as security. Mortgage consolidation is generally possible even with a recent incident, subject to providing real security.
One monthly payment,
a sustainable budget.
No hidden fees, no compulsory product, no commitment before a written offer.
