LP FINANCES

LP FINANCES is a French credit brokerage firm registered as an IOBSP (Intermédiaire en Opérations de Banque et en Services de Paiement), the regulated status for intermediaries in banking and payment services in France. The company operates the consumer-facing brand Racheter Mes Credits, a service dedicated to rachat de crédits (loan buyback) and regroupement de crédits (debt consolidation). Through this platform, LP FINANCES helps individuals combine multiple existing loans — consumer credit, revolving credit, car loans, and similar debts — into a single new loan with one monthly payment, a single interest rate, and a single collection date. The service is positioned as a budget-relief solution for households whose monthly repayments have become difficult to manage. According to the official website, the average reduction in monthly payments advertised is around 45%, with an average processing time of four to eight weeks. The company emphasizes a free, personalized, and non-binding study of each applicant's situation, available throughout metropolitan France and the French overseas territories. The site also states that responses are provided within 48 hours and that data is secured. LP FINANCES presents itself as an intermediary rather than a lender: after a client accepts a proposal, the lending institution directly repays the former creditors, and the client then manages only one monthly payment. The company's ORIAS registration number, 26002448, is displayed on its website, confirming its status as a registered intermediary. ORIAS is the French register of insurance, banking, and finance intermediaries. The brand's digital presence is centered on rachetermescredits.com, which includes a Trustpilot rating of 4.7 out of 5 based on 52 reviews as shown on the homepage. The site outlines a three-step process: the client describes their situation via a form, an advisor analyzes the file and searches for the most suitable consolidation solution, and if the proposal is accepted, the lender repays the old creditors. The company targets clients seeking to reduce monthly payments, finance a new project, or resolve financial difficulty. As a credit brokerage, LP FINANCES operates in the French regulated finance market. Its activities fall under the oversight of the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) through the ORIAS registration system. The company does not appear to be publicly listed, and no parent company or ownership structure is indicated in the available evidence. Its headquarters location and founding year are not specified in the supplied sources.

LP FINANCES is a French credit brokerage firm operating under the regulated status of IOBSP (Intermédiaire en Opérations de Banque et en Services de Paiement). This status, required for intermediaries in banking and payment services in France, places the company under the oversight of the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF), with registration recorded in the ORIAS register. The company's ORIAS number, 26002448, is publicly displayed on its website. The firm's consumer-facing brand, Racheter Mes Credits, is dedicated to rachat de crédits (loan buyback) and regroupement de crédits (debt consolidation). This type of service allows individuals to combine multiple existing loans into a single new loan, typically with a lower monthly payment, a single interest rate, and one collection date. The market for such services in France is well established, catering to households seeking to reduce monthly financial pressure, finance new projects, or resolve over-indebtedness situations. According to the official website, LP FINANCES advertises an average monthly payment reduction of around 45% for clients, with an average processing time of four to eight weeks. The company emphasizes a free, personalized, and non-binding study of each applicant's situation, available throughout metropolitan France and the French overseas territories. The site also states that responses are provided within 48 hours and that data is secured. A Trustpilot rating of 4.7 out of 5 based on 52 reviews is displayed on the homepage. The operational model described on the website involves three steps: the client describes their situation via a form, an advisor analyzes the file and searches for the most suitable consolidation solution, and if the proposal is accepted, the lending institution directly repays the former creditors. The client then manages only one monthly payment. LP FINANCES positions itself as an intermediary rather than a lender, working with partner lending institutions to provide the actual financing. The company's exact founding year, headquarters location, and ownership structure are not specified in the available evidence. It appears to be a privately held firm, not publicly listed. Its digital presence is centered on rachetermescredits.com, which serves as the primary customer acquisition and information platform. The brand operates in the French regulated finance market, and its activities are subject to the consumer protection and transparency rules applicable to credit intermediaries in France.

French credit brokerage (IOBSP) focused on loan buyback and debt consolidation, offering free, non-binding studies to reduce monthly payments for households across France and its overseas territories.

• Rachat de crédits (loan buyback)

  A service that allows individuals to replace multiple existing loans with a single new loan, often with a lower monthly payment.

• Regroupement de crédits (debt consolidation)

  Consolidation of various debts into one loan with a single interest rate and one collection date.

• Free personalized study

  A free, non-binding analysis of the applicant's financial situation to find the most suitable consolidation solution.

1. 1Racheter Mes Credits : 1 mensualité, RDV 48hrachetermescredits.com
2. 2LP FINANCES - Wikidatawikidata.org