Simplify your finances, breathe easy
Consolidate all your loans into one. A single monthly payment, a unique fixed rate, and a controlled budget to regain your financial peace of mind.
Consolidation at a glance
4 different withdrawals, 4 dates, 4 rates
1 single monthly installment
2.90% Fixed rate · 1 single payment · 1 single date
Consolidate loans based on your profile
Whatever the nature of your current loans, we have a suitable consolidation solution. No income proof required.
Consumer Debt Consolidation
Combine all your consumer debts into one: personal loans, car loans, revolving credit, and overdrafts. One reduced monthly payment and a fixed rate to boost your purchasing power.
Mortgage Consolidation
Have multiple mortgages? Consolidate them into one credit at a 2.90% fixed rate. Reduce your monthly payments and simplify your property management.
Mixed Consolidation
Combine mortgages and consumer loans into a single facility. The ideal solution when managing different types of financing and seeking simplicity.
Consolidation + Additional Cash
Consolidate your existing loans and receive extra cash for a new project, emergencies, or a safety reserve.
Why consolidate your loans with VIVIERA FINANCE?
Tangible benefits to regain budget control and a peaceful life.
Reduced monthly payment
Reduce your monthly payments by up to 60%. Regain purchasing power and financial breathing room.
1 single monthly installment
No more multiple withdrawals on different dates. One payment, one date, simplified management.
Unique fixed rate
A single 2.90% fixed rate replacing all your old rates. Better clarity and predictability.
Inclusive Access
Job seekers, students, retirees, temp workers — all profiles are reviewed without discrimination.
No proof of income required
No payslips or tax notices required. The process is fully simplified.
Extra cash flow
Option to obtain additional cash alongside consolidation to fund new ventures.
How does consolidation work?
In 4 simple steps, we pay off your old loans and replace them with a single fixed-rate loan.
Submit your request
List your current loans and specify the total amount needed. No proof of income requested.
File analysis
Our experts review your situation and calculate the most advantageous consolidation plan.
We settle your debts
Upon approval, we settle your outstanding balances directly with your creditors.
1 single monthly installment
You pay only one reduced installment, at a fixed rate, on a single date every month.
Consolidation for everyone
At VIVIERA FINANCE, we believe everyone deserves financial balance. That's why our terms are simple, inclusive, and barrier-free.
At least 18 years old
The applicant must be of legal age at the time of application.
Valid Identification
Valid ID card, passport, or residence permit.
At least 2 current loans
Consolidation is for those with multiple debts to unify.
That's it!
No income proof, no employment status required. Unemployed, retirees, and students are welcome.
Good to Know
We settle your old loans
At VIVIERA FINANCE, we handle the direct repayment to your current creditors. You have nothing to do.
Adaptable term
The term is adjusted so your new installment matches your capacity. Longer terms result in lower payments.
Early Repayment
Repay early at any time. Only interest for the actual period of use is due.
Dedicated support
An advisor guides you through the process. For any assistance, contact us at +32480210071.
Frequently Asked Questions
Debt consolidation involves merging several current loans (consumer, auto, mortgage, revolving, overdrafts) into one single credit. Result: one installment, often reduced, a single fixed rate, and simplified budget management.
Yes, absolutely. At VIVIERA FINANCE, we review all applications regardless of employment status. Job seekers and career changers are reviewed individually without discrimination.
No. No payslips or tax filings required. Only a valid ID and information on your current loans are needed.
All types: personal, auto, mortgages, revolving, overdrafts, renovation loans, and even certain tax debts or rent arrears.
No. The study of your file is entirely free and without obligation. No fees are required to analyze your situation or prepare your consolidation offer.
Yes. Our 'Consolidation + Cash' plan allows you to merge debts while obtaining additional funds for new projects or a safety reserve.
You receive a decision in principle within 24-48 hours. After signing, debt settlement and the new loan setup usually take 5-10 business days.
Yes, in most cases. By extending the term and using a 2.90% fixed rate, your installment can drop by up to 60%. The exact amount depends on your current profile.
Yes. You can repay in full or in part at any time. You will only be charged interest for the actual duration of use.
Yes. Secure electronic signature allows you to finalize your consolidation from home without any travel.
Ready for a peaceful budget?
Submit your consolidation request online. No income proof, open to all, 48h response.
2.90% Fixed rate · Up to -60% on monthly payments · Zero arrangement fees