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Credit repurchase, or debt consolidation, enables several loans (such as leasing, credit cards, private loans, etc.) to be combined into a single loan, usually with a lower interest rate. Credit repurchase also makes it possible to change the monthly payments, and thus the repayment period, of one or more loans. It is an advantageous solution that allows you to have only one monthly payment to pay back all your loans. In addition, the Swiss law on consumer credit facilitates this type of operation in the event of early repayment. In this case, you are entitled to interest rebate and to a fair reduction of the charges for the unused term of the loan.