As a specialist in the repurchase of credits, Good Lender Loan is intended in particular for people who have taken out several loans and whose maturities are accumulating. The broker offers financing making it possible to gather all the monthly payments in one, with a single contact. Thanks to a lower interest rate that can be amortized over an extended period, the debt level can be reduced considerably. The daily budget management is also simplified, and the purchasing power optimized. A wide variety of loans can be combined: mortgage, personal loan, bank overdraft, car loan, rental with purchase option (LOA), student loan, various debts, etc.
With more than 20 years of experience and through its many partnerships, Good Lender Loan has a wide range of refinancing solutions, adapted to all types of needs:
- buy back consumer loans,
- repurchase of consumer credits and one or more mortgage (s) (with a repayment period of 25 years maximum),
- and repurchase of credits with cash (including a reserve of money dedicated to the financing of new projects).
The purchase of consumer loans
During the life of a household, it is common to make various purchases. Cars, furniture, household appliances, hifi … all these goods require more or less substantial investments. It is not always possible to pay cash for these investments. In addition, even if the household has sufficient savings, it is often recommended not to deprive yourself of it to cope with any unforeseen events. It is for these various reasons that a large number of borrowers turn to consumer credit.
Consumer loans, or personal loans, allow spending to be spread over several months or years, and thus maintain a constant standard of living. If these monthly payments may seem low at first, of the order of a few tens of USD to a few hundred USD per month, they still end up representing significant sums by accumulating. It is therefore interesting to turn to the formula of buying back credits.
Good Lender Loan makes it possible to replace the various loans taken out by a single new financing. Simple and effective, this solution is acclaimed by many individuals wishing to optimize their budget. The following can be grouped together:
- Consumer credits affected: work loan, car loan, etc. ;
- Unallocated personal loans, that is to say loans whose purpose is not indicated in the contract;
- Revolving credits (also called revolving credits).
Good to know: the purchase of consumer loans with Good Lender Loan also makes it possible to include debts of various kinds, such as family debts and bank overdrafts.
The purchase of consumer loans and a mortgage
Owners of real estate know that the monthly payments of their credit represent a significant part of their income. Subscribed over a long and engaging period, it is sometimes necessary to cope with changes in his lifestyle during these loans: arrival of a new child, unemployment, drop in income, creation of a business …
It is therefore necessary to consider buying credits in order to lower the monthly payment. Consumer credits and home loans can be combined into a single new loan thanks to Good Lender Loan. The purpose of buying back credits is to protect your assets and stay in control of your budget.
Good Lender Loan also offers borrower insurance brokerage services. These products have specificities requiring strong expertise: it is for this reason that Good Lender Loan has created a dedicated insurance service.
The latter’s mission is to provide borrowers with the best rates and the best guarantees thanks to strong partnerships with major French insurance companies.
The repurchase of credits with cash
To complete its loan buy-back offer, Good Lender Loan has opened the possibility for all of its current and future customers to include additional cash in a credit consolidation transaction. This envelope can be used without providing supporting documents. It is thus possible to finance the purchase of a new vehicle, the repayment of personal debts, the realization of works, a trip, a marriage, the studies of the children, etc.
Thanks to an in-depth analysis of the financial conditions proposed by the various market players, the Good Lender Loan teams are able to provide a reliable, fast and advantageous proposal for the subscription of any loan buy-back. It is thus possible to take advantage of a drop of more than 60% on its monthly payments, allowing the borrower to regain serenity and purchasing power.
Simulation of credit repurchase with Good Lender Loan?
The conditions for grouping credits – repayment period, interest rate, amount of the term, etc. – are established on a case-by-case basis, depending on the situation and the resources of the subscriber.
This is why Good Lender Loan provides the possibility of carrying out a financing simulation directly online, free of charge and without obligation. To do this, a form allows you to fill in certain information relating inter alia to the number and nature of the loans concerned as well as to your personal and professional status. At the end of the simulation, an expert agent will contact you to clarify your request and complete your file. You then receive your contract at home.
Note that the consolidation of credits at Good Lender Loan does not require changing banks.
How to take out a loan with Good Lender Loan?
Five main stages are involved in taking out a loan with Good Lender Loan:
Step 1: the future borrower performs a credit simulation online. Good Lender Loan undertakes by following to recontact the person concerned in less than 48 hours. The purpose of this call is to refine the household situation and issue an initial opinion on the feasibility of the planned project.
Step n ° 2: the borrower must provide a number of supporting documents to Good Lender Loan so that the experts of the company can carry out an in-depth analysis of the file, more precisely:
- Proof of civil status:
- Double-sided identification (passport or national identity card);
- Family record book ;
- Proof of address less than 3 months old;
- Full housing tax;
- For owners: full property tax;
- For married people: the possible marriage contract;
- For divorced people: the divorce decree.
- Proof of income:
- Last 3 pay slips;
- December salary slip;
- Last imposition opinion :
- For employees on fixed-term contracts or hired for less than a year: employer certificate or photocopy of the employment contract;
- Miscellaneous supporting documents if applicable: 3 last balance sheets and tax packages for the self-employed, supporting documents for other income (APL, property income, etc.).
- Supporting documents:
- Last 3 bank account statements;
- Savings account statements;
- For home loan repurchases: initial credit offer + amortization schedule;
- For the repurchase of consumer loans: amortization table or statement or other supporting document.
- Proof of accommodation and property:
- For owners: title deed and possible valuation of the property;
- For tenants: last receipt for rent;
- For people staying: certificate and photocopy of the owner of the accommodation;
- Home insurance certificate.
Step 3: Good Lender Loan sends a complete file to its banking partners. In return, these send back a concrete financing proposal. Adapted to the personal and professional situation of the borrower, these offers can thus be compared and put in competition by Good Lender Loan.
Step 4: The credit offer is presented to the borrower. In the event of an agreement on its part, Good Lender Loan is responsible for editing the final loan contract.
Step 5: The credit is now granted. Good Lender Loan continues to provide support until the funds are effectively released and the loans concerned are repaid.