Collective loans → Collect up to 500,000 | Our customers save 23,000, –

On this page we present what a collectible loan is. The purpose is to create knowledge of the collective loan and provide an overview of the different loan options. We tell you, among other things, about the many benefits that are gathering your loans in one place, and give you a concrete example of what this can mean for your everyday life.

Therefore, if you are considering gathering your expensive loans in one place or just wanting to get more information on the subject, you have come to the right place. We will guide you through everything you need to know about collecting loans.

Collect your expensive loans with a collectible loan

Collect your expensive loans with a collectible loan

Today it is far from abnormal that you have several loans that you pay on a regular basis. It is not abnormal today that you have both a mortgage loan, a car loan and one for several consumer loans.

Debt is usually something you take for good reason. It can both be to acquire an asset such as. a home, but it can also be due to unforeseen expenses or just changes in one’s life.

Bigger events such as a wedding or a family celebration, if you are waiting for your first child, may be events that require you to borrow more money than you have right now and here.

But as you get more loans, there will also be several creditors that you have to keep track of.

Depending on the type of loan you have, there may also be a great deal of difference between what service you have to pay on each loan, which does not make it more transparent to settle your debt.

Ultimately, this means that many Danes are going to pay more for their loans than they have to.

In most cases, several small loans can be collected for a large loan, which can offer a large number of benefits including:

  • Your total interest expenses will fall
  • Your APR will fall
  • You will get one creditor and a better overview of your finances



The reason why it can be a good idea to put all your debts together somewhere is that small loans often have a higher interest rate and a shorter maturity than larger loans. Roughly speaking, it can be said that the larger the loan, the less the loan costs in relation to the loan amount. Therefore, one can also say that climbing debt is the most expensive debt you can earn.

In other words, you often save money by pooling your small loans in one large.

A good example is the difference between consumer loans and quick loans. Quick loans are often small loan amounts with short maturities, but with high costs. A consumer loan, like quick loans, is unsecured loans – ie. that you can use the money as you want without putting security in eg your house – but in relation to quick loans, consumer loans often have higher loan amounts and longer repayment time. We have written more about this under our loan money section.



In addition to the financial savings of a collective loan, it also provides a better overview of your overall economy. Instead of paying off on several loans, keeping track of different interest rates, APR and repayment periods, etc., you only need to keep track of one loan with a collective loan.

This also makes it easier to calculate your disposable amount and put budget for your future economy – and this can be crucial in avoiding future loans. When you know what fixed expenses you have, you can deduct them from your income and calculate how much you have left over for food, clothes and pleasures.

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