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Debt consolidation combines all of your debts into one easy monthly repayment

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Debt Consolidation

How Does Debt Consolidation Work?

✓ Combine all current debts into 1

✓ AGU Banque manages multiple payments for you

✓ You only have to worry about one payment on a prearranged schedule

✓ New repayment plan, rates & loan length agreed on your terms

✓ Lower interest rate

✓ Save time & stress with only 1 debt to manage & repay

✓ No more harassing calls from creditors

✓ Save time & stress with only 1 debt to manage & repay

✓ Take greater control of your finances.

How Can Debt Consolidation Help?

Program Evaluation
A quick evaluation of your debt, Credit Rating, Income, Expenses and Affordability on Agu Banque Team ..

Lower Fixed Interest Rate

Rather than paying different interest for each debt; Consolidation fixes everything into one, lower rate. This means you can actually save thousands of rupees! When you have many debts, you have fees and different interest rates.

One Regular Repayment

Agu Banque will automatically match you with the best-suited Loan Consolidator option and the Lending Partner per your credit profile, eligibility, affordability, and financial goals. You only have one debt to pay, so therefore, you only have to make one repayment per month. No longer will you have multiple payments spread across the month. This makes it much easier to manage your money.

Improve Your Credit Score

Consolidating your debt reduces the chance of missing payments. Making payments on time has a positive effect on your credit score. Improving your credit score will prove to future lenders that you are trustworthy.

Instant Payoff to Current Creditors

All your current credit card and personal loan outstanding balances are paid off with the new Consolidated Loan issued to you by our Lending Partners


What Is Debt Consolidation?

Debt Resolutions Saves Money and Stress

If you have multiple debts which you are finding expensive, hard to manage and stressful, then Debt Resolutions helps to solve these problems by combining all of your existing debts into 1 repayment plan.

You can consolidate a wide range of debts, from personal loans to credit cards and the benefits are endless.

From lowering your overall interest rate to having only 1 debt with 1 repayment schedule; debt consolidation puts financial control back in your hands. You can also sleep easy with no more harassing calls from creditors. After entering into a debt consolidation loan, your creditors are paid off, meaning you only have 1 debt commitment with 1 new lender.

You can also expect to see an improvement to your credit rating! (more about this in our FAQ’s below).

AGU Banque Focuses On Simplifying Your Money

AGU Banque have 1 simple aim when it comes to debt consolidation – to help you to save money. We will never lead you towards an unfavourable outcome. Debt consolidation with AGU Banque is focused on making your life easier, more stress-free and more affordable. In addition to our wide range of finance products and our specialist support, we also offer an extensive free online budget planner to help you to calculate your budget and keep on top of your debts more easily.

AGU Banque ’s approach always has been and always will be client-focused. This is what makes us different from most other financial institutions. We understand that each person is unique. This is why we always tailor our service to find the best outcome for each individual situation. Our goal is to help our clients get back in control of their finances and move forwards positively.

Secured Debt Consolidation Loans

It is important to note that in most cases, debt consolidation loans need to be secured against a personal asset due to the high amount of debt that is likely to be accumulated under the loan. Securing a loan against personal assets does have many positives, however:

✔ Borrow larger sums of money
✔ Greater flexibility
✔ More favourable interest rates
✔ Greater chance of approval
✔ More leniency regardless of credit rating

The Debt Consolidation Process

Having everything in one place puts you back in control of your finances. Breathe easy knowing that your creditors will be off your back. We will act as a wall between yourself and your creditors. Not only does Debt Consolidation tidy up your debts into a manageable payment plan, but it can actually save you money. If you have many debts with different interest-rates, these are fixed into one smaller rate which can save you thousands each year.

The process of debt consolidation is simple:

Simplify Your Life and Save Money with A Debt Consolidation Loan

Talk to AGU Banque

Speak to our caring team of debt specialists for guidance and a debt consolidation solution that you can benefit from.

We'll Find a Solution

If approved, we will aim to consolidate all of your current debts into a loan with the best rates and terms possible, tailored to suit you.

Fast Approval & Funding

You can expect a fast & efficient process, all the way from enquiring to being funded. In most cases, funding takes less than 72 hours!

Take Back Control

Our tailored debt consolidation loans are designed with each client in mind. You can move forwards with greater financial control and confidence.


Got Questions? We Have Answers!

Absolutely! Rather than paying different interest rates for each of your different loans, a debt consolidation loan ties all of these together into one, new interest rate. This rate is usually lower than what you were paying overall before, meaning you could save thousands each year! As well as this, a consolidated loan is much easier to keep on top of since there is only 1 repayment to manage. Also, the new loan is on your terms, so if you would like to make larger monthly repayments and have a short repayment period or vice versa then you can. There is far more leniency and control with a debt consolidation loan.

The initial enquiry and application for debt consolidation with Just Budget does not affect your credit rating.
While a hard credit enquiry may be applied at the point of receiving finance (this will be clearly communicated to you in advance), debt consolidation actually generally leads to an improved credit score. There are 3 main reasons for this:

1. Easier to manage repayments
2. By saving money on interest, you should have spare money to put aside to help you along the way if and when you need it.
3. Your credit utilisation ratio will be excellent because all of your credit card debts are paid off in full at the point of entering into a debt consolidation loan.

a. Put simply, your credit utilisation ratio (otherwise known as credit utilisation rate) is the % of debt that you currently owe, compared to your total debt. A credit utilisation ratio of 30% or lower is considered good and can improve your credit score.
b. E.g. you have a 100000 credit limit on your credit card, of which you are using 40000 of. The formula is: Total Credit Debt / Total Credit Limit…
c. (40000 / 1,00,000) x 100 = 40%
d. With a debt consolidation loan, your credit utilisation rate will be 0% because all of your credit cards will be paid off.

Debt consolidation is a fantastic opportunity. With greater control of your debts and reduced rates, you will be able to build a strong financial future for yourself in no time.

After your debt consolidation plan commences, you will no longer need to pay your original creditors. This means no more multiple, confusing payments at different times each month and no more harassing calls.
Instead, your entire debt will be rolled into one manageable package with 1 repayment schedule on your terms. This saves you time and makes life easier as you will only have 1 creditor to pay going forwards rather than multiple.

You can consolidate a wide range of debt, including credit cards.
After your credit cards have been consolidated, you will only have to manage 1 recurring payment on your terms, rather than having to juggle multiple credit cards which can be very confusing.

• Lower or frozen interest rates
• Only 1 repayment to manage
• Only 1 repayment schedule
• No more harassing calls from creditors
• New loan terms agreed by you giving you greater control
• Loan repayment length decided by you and how much you would like to repay each month.

The Consolidation loan offered by our Lending Partners through Debt Consolidation Program, can only be used to pay off the current debt you owe. The Consolidation loan would be used to pay off all eligible loans like personal loans, credit card debts, consumer loans, payday loans, and unsecured education loans.

Debt Consolidation Program is designed to offer you a monthly reduction of 10-30%* on your loan obligation or EMI on the eligible accounts.

Credit cards can carry an APR (effective interest rate) of up to 48%. When you make the minimum due payment on your credit card, it covers all the interest and charges on your card while covering a very small fraction of the principal. This means making minimum payments is neither the quickest nor the cheapest way to becoming debt free. Debt Consolidation Program can lower the EMIs on your personal loans by either reducing the APR or by extending the tenure so give you monthly relief on your debt obligations.

No, it may actually improve your score due to the instant repayment of your unsecured loan accounts.

In case you have a low credit score you may not qualify for Debt Consolidation Program. A low or falling credit score might be the result of missing a few monthly payments. If your debt has grown past your capability to make monthly payments, the right Debt Consolidation Program for you might be Debt consolidated Program

Usually, the pre-approval can happen immediately while the actual approval may take up to 72 working hours.

Yes. Debt Consolidation Program helps you reduce your monthly EMIs by either lowering your interest or increasing your repayment tenure.


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