Credit Redemption Offer

Consolidation of credits (or redemption of credits) refers to a banking operation that consists of replacing existing loans with a single loan, which reduces the amount of monthly payments.  Credit accumulation can quickly become a difficult burden to support financially. Monthly payments that add up to each other, in addition to weighing down the accounts, ultimately constitute a sum that is difficult to repay. The redemption of credits is the solution to this type of situation. The principle is simple: the organization proposes to consolidate the loans contracted in the past and then proposes a single credit with a reduced monthly rate. This readjustment leads to an extension of the repayment period and a possible increase in the cost of credit, which is necessary to be able to reduce the monthly payment.

Both types of credit pooling offers

French law, the law on consumer credit, specifies that there are two types of groupings:

The purchase of real estate loans The purchase of consumer loans

The difference between these two types is the share of real estate assets to be taken over. If the share of real estate loans represents more than 60% of the total to be taken over, it will be a grouping of mortgage loans. Conversely, if this same share is less than 60%, it will be a consolidation of consumer credit. An amount can be added to the funding as part of a new project. It must be justified and the situation of the borrower must allow to bear the cost generated by the new project. In addition, this sum may result in an increase in the total cost of credit.

The steps of a credit pooling offer


  1. Fill out the free online application form free of charge and without obligation.
  2. Upon receipt, a counselor studies your file from the information provided. He then contacts you to make an initial assessment of your situation.
  3. If this first study is positive, we send you a welcome pack. You can return it to us by mail, e-mail or fax. Whatever mode you choose, return it duly completed with all the requested parts. The more precise the information about your situation, the better the advice of our employees.
  4. Upon receipt of the file and supporting documents, an analyst supports the study and gives you an answer in principle within 48 hours **.
  5. It offers financing tailored to your situation and transmits all parts to the banking partner. Once your file is accepted, the credit redemption procedure can take place.

If it is so simple to request a loan buyout with Natty Bumppo, it is because our experience, our skills and our quality requirements guarantee our efficiency. With Natty Bumppo, intermediary in banking operation (MIOBSP) certified ISO 9001, you benefit from a personalized relationship with a financial advisor available and at your disposal, for a tailor-made management of your budget. ** In working days from receipt of your complete file

Why make a credit redemption?

credit redemption

Usually, each credit to which you subscribe (real estate, automobile, personal, work, renewable …) has its own terms of repayment. It is difficult to understand your reimbursement costs without resorting to complex calculations each month. Risks of errors in your accounts, difficulties in anticipating the evolution of your finances or discouragement in your accounting: the management of your budget is obscure … Sound management of your finances requires knowing your expenses, month after month. Consolidation of credits makes it possible to have only one monthly payment to be refunded. Your monthly payments are stable over the long term. You know where you are and can manage your budget effectively.

Consolidation of credits, a responsible act

If you are worried about getting another credit, loan consolidation is a responsible solution. Rather than adding to your expenses the repayment of an additional loan, the repurchase of credit allows on the contrary to have a single monthly payment by spreading the charges over the long term. The borrower must also show responsibility in this operation since it may lead to an extension of the repayment period and an increase in the cost, therefore he must be aware of his commitment to be able to honor it throughout the period. duration of new funding.

Difficulties in repaying debts often arise from an unforeseen change in the borrower’s personal or family circumstances. Separations, illnesses, falling incomes, accidents, births: various events can increase your expenses. Grouping your credits allows you to readjust the monthly amount of repayments to your new situation. At Natty Bumppo, credit consolidation is our specialty. Our listening skills and our experience are at the service of our clients in a personalized relationship. Because a successful credit redemption is a thoughtful redemption of credits, we accompany you and advise you for optimal management of your budget.

Our loan redemption records

Our loan redemption records

Finance a project Durations of a credit redemption Redemption of credit works Useful information Amounts repurchase of credit Purchase of a particular credit Purchase of professional credit Mortgage credit purchase

Repurchase of credit works – Financing works

Find out how to redeem your loans and finance your work.

The repurchase of credit works: principle


Many factors push some households to want to do some improvement work in their main home. An improvement in the comfort of life, an expansion of the home or some renovations to beautify the living space have a cost that is sometimes difficult to finance oneself. The most common financing solution in this case is consumer credit, which can be subscribed in credit institutions under certain conditions. However, a change in the borrower’s financial position may degrade repayment capacity if the amount of its maturity is too difficult to pay on a monthly basis.

The repurchase of work loans consists of assembling some or all credits in repayment to keep only one, with a single rate and a reduced monthly payment. This operation may include consumer credit that the borrower has contracted for the purpose of doing work in his dwelling. The borrower thus finds himself with a budget adapted to his expenses and can support more easily the repayment of his financing.

Up to 60% off your monthly payments Your project

  • Redemption of credits Finance a project Renegotiate an immo loan Currently, do you pay back mortgages?
  • * No Yes Real Estate Credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € Currently, do you pay back consumer loans?
  • * No Yes Examples: auto loan, loan work, revolving credit, etc … Consumer credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € If you want to include an amount for a new project, please specify New project € Project type – To choose – car Immovable Works Staff How long do you want to repay your purchase of credits? Duration in years

Include work in the repurchase of credit


Individuals can use a bank to buy a consumer credit to pay for their project, but they can also use the pooling of their debts to obtain sufficient cash for their work. Institutions specializing in loan buybacks can allocate an amount dedicated to works, whatever their nature. The sum of this funding is not necessarily granted, but borrowers can apply for it. Expert analysts will analyze the financial situation of the applicant to propose the project of repurchase of credit to its banking partners. If all the conditions are met, then the beneficiary can finance its work, while simplifying the management of its finances.

The advantage of pooling credit is to be able to integrate more or less important sums for a possible new project of works but also to be able to collect loans of different natures, thus facilitating the repayment of the debts on a reduced monthly payment and adapted to the financial capacities of the borrower.

Redeeming real estate loans

The loan consolidation is a banking operation that allows to collect consumer loans as well as real estate loans (share exceeding the threshold of 60%).

Redeeming real estate loan: presentation

real estate,home loan

The mortgage consolidation is a banking operation that allows to gather several credits in one. We talk about consolidation of home loans when the share of the remaining capital due real estate represents more than 60% of the total share to resume, below it is a consolidation of consumer loans. The old credits are bought back and paid off by the lender, who then offers a new mortgage offer with a longer duration and a reduced monthly payment. An overdraft as well as an amount dedicated to a new project may be included in the redemption.

Purchase of real estate loans with D’Artagnan

real estate,loans

As a banking intermediary (MIOBSP) specializing in credit consolidation, our experience gained over many years allows us to guarantee you an expertise in the study of your file. Our goal is to find the right solution for your personal situation in the context of the consolidation of your real estate loans. Our advisers are in charge of studying and instructing the file, the aim being to offer you a bespoke financing offer, meeting your financial needs.

Fact sheet

  • Duration: from 60 to 420 months
  • Rate: fixed or variable
  • New project: optional
  • Insurance: optional

Request and simulation online

simulation online,loan

We provide you with an online simulation form with quick results. This simulation (non-contractual) provides a first estimate of the monthly loan consolidation. Moreover, only an in-depth study done by an analyst will accurately determine the amount of the future monthly payment. Just fill out the online application form. Whether for the simulation or the loan consolidation application, no fees and no commitments are required from the borrower.

Up to 60% off your monthly payments Your project

  • Redemption of credits Finance a project Renegotiate an immo loan Currently, do you pay back mortgages?
  • * No Yes Real Estate Credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments * € Currently, do you pay back consumer loans?
  • * No Yes Examples: auto loan, loan work, revolving credit, etc … Consumer credit (s) Remaining amount (s) to be reimbursed
  • * € Amount of monthly payments
  • * € If you want to include an amount for a new project, please specify New project € Project type – To choose – car Immovable Works Staff How long do you want to repay your purchase of credits? Duration in years 

Why be wary of a “credit without Schufa”

The consumer center Brandenburg (VZB) reports numerous complaints about allegedly schufafreie credit offers, which are advertised by the provider’s carefree duo and master credit.

Promised after the conclusion of the contract a schufafreier instant loan up to a total of 6,499 euros including a Mastercard Gold. In truth, consumers only get an overpriced credit card and a hefty agency fee.

“The fine print […] mentions that the request is only forwarded to a bank for examination. The prospects of success for a loan are thus unclear, “explains Erk Schaarschmidt, financial expert at VZB, to

What to do if you are affected?

As a general rule, when concluding a financial product, credit seekers should always take the time to read through the general terms and conditions and to research the supplier’s references.

If you have already ordered a credit card but have not yet received it, you should not accept it by cash on delivery. If it is already too late, you have the opportunity to register by registered letter. A sample letter is available at

What about “loans without Schufa”?

The fact is:

  • In Germany, banks are required to check the creditworthiness of each applicant.
  • If a loan offer sounds too good to be true, then it probably is.
    Anyone who applies for a loan cannot get past the Schufa – and if it does, it is only because another credit bureau takes over the credit check – or credit check. This is necessary because banks suffer financial damage if a borrower fails to pay monthly installments or other financial obligations.

For consumers, the Schufa is again a useful device, as the credit bureau prevents borrowers from applying for financing that can lead to the high debt due to high monthly installments.

Credit despite Schufa

When consumers are looking for a “non-Schufa credit”, they usually mean a “credit despite Schufa”, so despite moderate credit rating. Because in most cases consumers erroneously assume that their Schufa entry is bad. In the majority of cases, according to Schufa, this is a fallacy.

But even for those whose Schufa rating is not sufficient for a loan, there is a serious and secure solution. It’s called credit privilege. Borrowing money without Schufa, in this case, does not work through a bank but through one or more private individuals.