Payday loans -Click here to find out more about payday loans for very bad credit

The needs of a family are manifold and it happens, at times, that they find themselves having to deal with the purchase of a new car or with unexpected expenses, perhaps even while the renovation of the house has started. To cope with all this it may be necessary to activate several loans, finding yourself having to repay more installments during the same month at an unsustainable cost.

Fortunately, there is a solution: Debt Consolidation! Let’s see in detail what it is and what to do to request it.

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Debt Consolidation is a financial solution that allows individual loans to be merged into a single loan, renegotiating repayment times and the amount of the installment.

This choice allows three substantial advantages:

  • Single monthly payment;
  • Lower installment amount, compared to the total installments currently in progress
  • More convenient return times, you can postpone repayment in a longer time frame.

Applying for Debt Consolidation, therefore, can be a real lifeline for families who find themselves struggling with month-to-month deadlines.

Consolidation Debts finds its highest expression through the Fifth Assignment, a loan for employees and retirees that thanks to its characteristics guarantee more sustainable funding.

In fact, thanks to the Cession of the Fifth it is possible to extinguish the loans in progress in favor of a single loan with a maximum rate of 20% (one fifth) of the pension or net salary.

Benefits of the Consolidation Debt Loan

Unfinalized loan

Requesting the Fifth Loan for Debt Consolidation means accessing an unfinished loan. It is therefore not necessary to specify or produce documentation relating to the use of the sum and it is possible to dispose of the required liquidity independently.


The monthly payment never exceeds 20% of the salary or net pension, for a loan that is always sustainable and in line with the income capacity of the applicant.


The Assignment of the Fifth is always covered by insurance to protect the applicant and his family members.


The deductions are made directly on the pension or salary. In this way there will never be an installment paid late or an alert, moreover, you will never have to file at post offices again.

The Assignment of the Fifth is particularly suitable for Debt Consolidation as it can also be requested in case of previous payment delays or notifications.

How to request the Debt Consolidation

How to request the Debt Consolidation with Cession of the Fifth

For a first feasibility check it is necessary to provide the following documents:

  • Valid identity document;
  • Health card;
  • Last paycheck or pension slip;
  • If in your possession, the contracts related to the ongoing loans.

With Loans & Loans, requesting a loan quote is always free and without obligation. With over 20 years of experience in financing employees and retirees, we are at your disposal to provide you with rapid, professional and qualified advice. Request your free quote for Debt Consolidation now!