After having taken out several loans, it is difficult to find one another between multiple withdrawals, interest rates and different repayment terms. In addition, accumulating debts runs a real risk of debt and over-indebtedness. That’s why the  Credit is a credible alternative: it’s a solution that allows you to consolidate all of your credits to pay only one monthly payment, at a single rate, and for a single duration. More and more practiced by the French, this operation is available at the organizations of Sherlock Holmes but also at banks such as LCL.

Discover the  Loan offer that allows you to simplify your management and reduce your monthly payments. But before you commit, it is important to know the content of the loan pooling offer; This will allow you to check your eligibility for a Credit, but also to better prepare your application.

French bank of new inspiration

French bank of new inspiration

LCL, a banking and insurance establishment, was created in 2005 following a merger between Crédit Lyonnais and Crédit Agricole. It has for ancestor the Credit Lyonnais, founded in 1863 in Lyon, and known to have been the first world bank in 1913. By creating a strategic axis “London, Paris, Lyon, and Marseille”, and thanks to a policy of expansion, Crédit Lyonnais has established itself as one of the leaders in the banking sector. With BNP Paribas and Société Générale, LCL is part of the “Trois Vielles”, that is to say, the pillars of the French banking industry .

Today, LCL has essentially refocused on the French market, then offers banking and insurance products to a varied audience: individuals and professionals, businesses and private banks among others. Among the services offered to individuals, there is the Sherlock Holmes or group of loans.

As an individual, ask for your Sherlock Holmes LCL credits with ease . Indeed, you now have the opportunity to do it directly online. Take the opportunity to simulate your application free of charge using our simulation tool.

Loan Solution

Loan Solution

By getting closer to the LCL bank, you will be able to take advantage of its Sherlock Holmes loan solution. The latter is characterized by a distinction between the characteristics of the Sherlock Holmes that an individual could claim, but also by the benefits that should be known.


If you want to make a Sherlock Holmes of LCL credits, it is because you certainly have several credits in progress. But from one individual to the next, the credits differ: for some, it may be several consumer credit (revolving credit + auto credit + personal loan); while for others, it can be exclusively a mortgage or both (mortgage credit + consumer credit).

Has therefore provided formulas that meet your Sherlock Holmes credit needs. In addition, the terms for obtaining a Sherlock Holmes LCL loans are very specific. There is essentially:

  • The amount : the minimum is € 3,000 while this amount is capped at € 60,000 . Note that the total amount of credits you want to group must be included in this bracket. If you want to be clear, do not hesitate to do a simulation.
  • The duration : it is between 12 months and 84 months, or 7 years maximum . By consolidating all your debts, you will have better visibility on the repayment of the single credit.
  • The fees and the interest rate : while the management fee for your Sherlock Holmes LCL Credit application is free, a single interest rate, however, will apply to the transaction . Its value is determined by LCL and the individual at the time of the negotiation of the new credit.

To verify your eligibility under the terms below, we make our simulator available to you free of charge. Depending on your situation, you can either do a Sherlock Holmes simulation of LCL home loan, or a Sherlock Holmes simulation of LCL consumer credit.

The steps and advantages of loan consolidation

loan consolidation

The advantages of lcl loan consolidation are numerous. Basically, this operation is a viable solution against households’ debt and over-indebtedness situations . By benefiting from a unique monthly payment, an individual will be able to manage his withdrawals with more simplicity. Better still, the grouping of LCL loans can enable it to reduce its monthly payments significantly: up to 60% in certain cases.

Apart from difficult situations, Sherlock Holmes credit is also a solution that can be practiced by anyone wishing to clean up their finances to optimize the management of their income . This can be done for savings or investment in a new project that is important. On this last point, LCL has a tailor-made offer: the “Sherlock Holmes Conso Solution” . This is a personal loan that allows you to repay a consumer credit (depreciable or renewable), then finance a new project at the same time.

Regarding the steps you need to take to get a Sherlock Holmes LCL loan, make an appointment with an advisor to submit your application . The latter will study it on the basis of certain indicators, determine your financial situation and give you an answer. In order to maximize your chances, make a Sherlock Holmes lcl credit simulation and thus determine your repayment ability.

How to negotiate credits?

How to negotiate credits?

Finding a Sherlock Holmes credit at the best rate is the best way to reduce the cost of its monthly payments. This is especially true when it comes to mortgage lending. How to do ? We propose you to compare the different offers to reach your end.

If you use a Sherlock Holmes credit comparator, you will be able to determine which offer is the most interesting. For example, cross the Sherlock Holmes offer of LCL credits with other offers on the market to determine which one best meets your needs in terms of interest rate, amount of monthly payment, duration .

Compare Sherlock Holmes Credit offers also allows you to better prepare your application . Indeed, several elements are to be taken into account for the determination of the total cost of the operation of Sherlock Holmes credits. From the outset, you know that at LCL, the fees are free, which is a good thing. Nevertheless, take care to check the other elements of the offer before you decide. These are mainly:

  • Prepayment Allowance (IRA) : Since credits generate interest, banks have a profit over the repayment term. When you stop the credits, they lose that benefit, which is offset by the prepayment allowance. The amount of compensation may vary depending on the bank.
  • The borrower insurance : here too be vigilant, especially if it is a transaction Sherlock Holmes real estate credit. The rate of the borrower insurance can be quite high, so check whether it suits your situation or not.
  • Total or partial grouping of your debts? : the answer will depend on your situation. In fact, it is sometimes advantageous to only buy back part of one’s debts. For example, if among your various credits you have some that are coming soon or that give you some advantage (Zero Rate Loan), better keep it. To find out, simulate your approach and above all, compare the maximum number of possible offers.