Simplicity
Our processes are simple and fast
Security
Our system is secure and protected by a cryptographic protocol.
We believe that customer satisfaction has been a key factor in our success over the years. It is therefore a cornerstone of our strategy.
* Over 18 years of age.
* Be of good character, even if it means keeping a commitment.
* Have a minimum monthly income of €500.
* Non-repayment of the loan during the contract period will result in legal action, accompanied by the disclosure of the identity of the card, through all the channels published in our agency. The maximum time limit for the transfer is 48 hours.
Documents to be submitted
* Two pages of scanned identification documents.
* Copy of proof of identity by bank (RIB) or post (RIP).
* Latest electricity bill or other equivalent document proving proof of address.
* Latest payslip or any other document proving your monthly income.
Interest rates.
The annual interest rate for TEG varies between 2% and 6%, depending on the amount requested and the repayment period, excluding administrative fees.
Loan duration.
The duration of the loan cannot exceed 30 years.
Initial monthly drawdown.
Starts between 60 (2 months) and 90 (3 months) days from the date the borrower receives the full amount of the loan.
Interruption or deferral of monthly payments.
To explore the possibility of extending the period, contact us by phone or via the contact form on our website. Deferments are subject to interest at the current rate, and a guarantee fee will be charged if you purchase a loan guarantee. You can request a deferment for one or two instalments per year to take advantage of the ‘default’ benefit. You must submit your request 7 days before the next due date. To be eligible for a deferment, your revolving credit must be either overdue or in arrears, uninsured and you must not have been granted new credit within 2 months at the time you apply for a deferment.
Prepayment.
Whether you have taken out a revolving loan or a personal loan, you can repay all or part of the amount owed at any time at no extra cost. Whether it’s a fixed-term contract, an employment contract, an apprenticeship contract or even a fixed-term contract, we can help.
Credit agreement and insurance.
The borrower must sign a loan agreement and a credit insurance certificate. This insurance covers total and irreversible disability due to death, illness or accident (FACL No. 0081) and loss of employment due to compensated redundancy.