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Personal loan credit can be requested directly on Rixloans. You can find good deals there.

There are 2 ways to apply for our debt consolidation loan. Let’s see them.

1) Apply for the loan directly online – without obligation and without obligation

First, you need to go to the “Debt Consolidation” site page, then click on “apply now”.

You must now enter all the required data step by step: the amount you wish to request, your personal data, your personal data, and your professional data (paycheck and employment contract).

You have now arrived at the screen where you need to check that all the data provided is correct, then confirm and send the funding request.

What is happening now? At this stage bankate (without obligation for both parties), open a file, and check that there are all the conditions to decide whether or not to continue. Basically, the bank checks the financial reputation electronically; if you are not declared to the Central Credit Union (CRIF), and therefore you have not trapped there as bad payers, the practice continues …

At this stage, given that it is a loan for debt consolidation, there will be the intervention of an operator who will ask for additional information and documents relating to the existing loans.

Once the necessary verifications have been carried out, if everything is in order and the income is sufficient to support the monthly payment, the file is approved, and all the documentation is sent to the home of the loan applicant. If the conditions are accepted, once the contract is signed and returned to the bank, the loan is disbursed.

2) Request in branch – indicated for those who are less accustomed to using the Internet.

Bankate has branches throughout the country; you can find the one closest to you by going to the “contact” page of the site and clicking on the “where are we” option. You just have to insert the cap and immediately on the card appears the office of the local branch and the telephone number to dial to make an appointment with the bank adviser.

As for the documentation to present, hardly anything changes… ID, paycheck, and loan contracts are to be included in the new debt consolidation loan. Further details are provided directly to the branch.

Benefits of bank debt consolidation

As mentioned in the introduction, one of the most obvious advantages that derive from the consolidation of bank debts is represented by the fact that those who subscribe to it have to face a single monthly deadline, thus restoring and simplifying the management of their finances.

Not only that: but if you opt for a refund with direct debit from the checking account, everything is even simpler and more convenient since you don’t even have to worry about going to the post office to pay the bills.

In addition, a flexible loan like this bankate, is particularly interesting because it offers the possibility of modifying the maturity of the loan or of skipping a deadline by deciding to defer the payment.

The fact that bankate, the financial leader in the sector, which has made reliability and professionalism its strengths for more than 20 years, offers this opportunity is another reason for interest.

There are many reasons why bank debt consolidation can be used. You can take advantage of it, for example:

  1. create additional liquidity
  2. reduce the monthly budget needed to honor debts
  3. for any other need
  4. lasting more than 120 months

Yes, the financing can be extended over the long term, up to 10 years (with even more reserved agreements), in order to reduce the down payment. Not only that: you can also request an additional amount, in case you need cash.

$ 10,000 loan: fees and interest

Suppose you want to ask for $ 10,000 to be repaid in 84 installments – 7 years – (the example is on a loan requested online); the offer will be:

The total amount of credit is $ 10,000 The total amount due is $ 12,266.80
Total costs + interest $ 1,226.8
Monthly deposit $ 143.70
APR 6.17%

How to contact the bank

To contact bankate when you are not yet a customer, simply dial the toll-free number 800.12.90.10; an operator will give you all the information requested when possible. Otherwise, he will tell you the local branch to contact for all explanations needed.

The service operates Monday to Friday from 8:30 a.m. to 9:00 p.m. and Saturday from 8:30 a.m. to 5:30 p.m.


In conclusion, restructuring and simplifying its financial structure with bank debt consolidation is proving to be a useful tool for those who have more loans outstanding and who intend to consolidate them into one loan only for reasons of convenience and to be able to enjoy conditions. Economically, with a fixed and invariable rate.

A useful way to honor debts without difficulty is by spreading them over a longer period and therefore having to face lighter monthly payments, but also to have additional liquidity.


Author: Kimberly Chantal Parkes

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Kimberly Chantal Parkes is a former contributor to Rixloans. Kimberly Chantal is a freelance copy editor and writer with a specialization in personal financial planning. After having graduated from Kansas State University with a bachelor's degree in journalism, she began her career in media wearing many hats for community newspapers within the Kansas City area: writer as well as copy editor, photographer and coffee runner among other things.

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