Consolidation Loan 2025 – Is It Worth It?
Why is 2025 a Good Time?
- The NBP interest rate cut by 50 bps in May reduced the cost of money – banks have already lowered the APR to ~9–11% in their best offers.
- Competition in the consolidation segment is growing, and promotional commissions are falling to 0%.
How Does Consolidation Work?
- The bank pays off your existing loans and cards.
- You get a single, lower payment spread over up to 120 months.
- You can get additional cash if your credit capacity allows.
What to Watch Out For?
- Total Cost – a longer period may mean higher interest costs.
- Insurance – make sure they are not mandatory if they increase the APR.
- Prepayment Penalties – the best offers do not have fees for early repayment.
Five Steps with Wro Finanse
- Review of your obligations and checking the APR.
- Credit capacity assessment in 5 banks in 30 minutes.
- Negotiating commissions and margins.
- Online or in-branch processing – You choose.
- Repayment monitoring and the option for further restructuring when rates fall further.
Leave your contact details, and we will compare 40 consolidation offers and show you how much you can save – first consultation free.
