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Stress-Free Repayments that you can Trust

Stop worrying about mounting loans and missed repayments. Work with our experienced counsellors at Lotus
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Struggling with Mounting Repayments?

Are you struggling to repay back to your banks for an existing loan or a credit card …

    20+ Years of Excellence in Confidential Financial Management

    Our track record in finance industry has helped us serve a multitude of satisfied customers
    1000+
    Cases Handled
    100 +
    Customer Met
    10 +
    Awards Wining Solutions
    10 +
    Satisfied Customers

    Trusted and Certified Loan Settlement Solution

    Trusted Member

    DED Approved

    ISO CERTIFIED

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    Loan Consolidation and Restructuring Services

    UAE’s most trusted repayment and loan settlement service provider

    Repayment consolidation

    Juggling credit cards and multiple loan payments can become difficult over time. Every liability comes with separate intrest rate and payment plans--and that can eat into your finances.

    At Lotus, we partner with banks to consolidate your repayments into a single monthly payment plan at a lower interest rate. Save time and money by consolidating your outstanding liabilities with Lotus at your service.

    Payment Restructuring

    Are you struggling with payment defaults? If you face travel bans, cheque cases, etc., there is still hope for you—with Lotus by your side. Our counsellors can make your life a lot easier.

    By creating revised plans with banks, we help reduce your monthly payments on each of your loans and credit cards—giving you room to breathe financially. This will ultimately help you close all your liabilities in a stress-free and responsible manner

    Never worry about being late on repayments

    Here’s a quick overview of how we can help you with your outstanding loans and credit card repayments

    Making Headlines while Settling Loans

    Featured in media for our confidential approach to settling and restructuring outstanding loans and credit card repayments.

    Stellar Reviews from our Satisfied Customers

    • They were very helpful in getting my finances in order, they sorted all my credit card debts and were available whenever I needed them.

      “
      MOHAMMED KHALIFA

    • I owe these people a big one, thank you for your help. My EMI has been reduced significantly.

      “
      RONALD JR.

    • Very professional team. what I was promised is delivered. I will definitely recommend their services to my friends and colleagues.

      “
      ANUSHKA

    • Delivered what was promised by them. Good work guys

      “
      MICHAEL SIMTH

    FAQs

    How does the process of consolidating all bank liabilities work?

    If you have multiple outstanding loans and credit card payments, you can inquire about consolidating your payments. We partner with banks that will purchase your entire outstanding liabilities, consolidating all of it into a single monthly payment plan—making it easier for you to pay it all off.

    How exactly does the process of restructuring all bank liabilities work?

    This process allows you to restructure your loan installment and get a reduced payment plan from the same bank. Additionally, this process converts your credit card minimum dues into a term loan with reduced monthly installments (EMI) and a lower interest rate, enabling you to pay off the debt in a more manageable and financially responsible manner.

    Why would someone need Settlement Restructuring?

    Settlement or restructuring are options offered to individuals who have defaults, financial cases, travel bans, etc., related to their financial situation. During the restructuring process, our counselors analyze your documents and fiscal standing to determine the best way for you to make your payments and clear your defaults.

    What is the benefit of Consolidation of bank liabilities?

    Consolidation allows you to pool all your outstanding liabilities under one umbrella. This allows you to systematically pay it off by:

    • Offering a single monthly payment for your entire outstanding balance
    • Offering lower interest rates on your outstanding liabilities
    • Finding the most attractive repayment scheme that works within your budget

    Do I need a good AECB Score to enquire about settlement restructuring or repayment consolidation?

    • For consolidation, having a good AECB score opens doors to better, more attractive repayment plans that can make your monthly payments easy and stress-free.
    • For restructuring, we can check if we can manage with low credit scores to get you a revised plan, even from the same banks that you have defaulted with.

    Is it possible to get a loan if the salary is less than AED 10,000 per month?

    We have tie-ups with all the financial institutions in the UAE. They require a good AECB score and a salary of more than AED 10,000 per month.

    Can travel bans be removed if the banks filed them?

    We can negotiate with banks to secure a settlement plan and eliminate your travel ban. Alternatively, we can also help you consider pursuing a legal review to lift the bans.

    Are there any charges for the consultation?

    No. We do not charge any fees for consultation.

    How much is the fee for your services?

    Fees are decided based on the value we add—as every case is very different. We need to review the case fully to determine the fee structure as we move forward.