To unify a loan, you have to pay a lower interest rate than the one you are currently borrowing. If you put together at a high interest rate, the interest expense will only increase, and there is no point in unifying the loans. In order to successfully unify loans, it is important to review and understand the loans you are currently borrowing. In addition to the amount you are currently paying, you also need to look at how much you will end up paying. Then look for something that you can repay less than you are currently paying. Bank-based cashing is not only reliable, has high limits, and has low interest rates. Bank-affiliated cashing, which is operated by banks in partnership with consumer finance, offers low interest rate loans with interest rates of around 18%. Bank-based cashing also offers products such as consolidated loans as products aimed at unifying loans, so why not check it out? Bank-based cashing has a high limit and interest rates are lower than regular loans, but it takes some time to review. If you unify multiple loans, the amount of repayment will be reduced and you will be able to repay more easily. Bank-affiliated cashing is trying to develop new customers with products with a view to unifying multiple loans. They are looking to sell another financial product (such as a pension or mortgage) after they have finished repayment of a single loan and gained the credit of their customers.