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Borrowing after 60: what really counts
Age does not rule out credit. Term, insurance and collateral are simply thought through differently.
By The editorial team · August 2, 2026
Often stable income
A pension is regular, predictable income, valued by lenders. The question is not age in itself, but the term of the loan in relation to it.
The question of insurance
Borrower insurance can cost more with age, but it is optional and solutions exist, particularly by relying on real collateral.
Leaning on your assets
A property makes it possible to consider a consolidation or a mortgage loan, where the collateral counts more than age.
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