Loan Requirements

• Be at least 18 years old.
• Have a good reputation, even if that means fulfilling an obligation.
• Have a minimum monthly income of €500.
• A loan granted but not repaid within the contractual period will result in legal action, including the publication of your identity card details across all the communication channels displayed in our agency. The transfer time is a maximum of 48 hours.

Required Documents

• Scanned copies of both sides of your ID.
• Copy of a bank (RIB) or postal (RIP) statement.
• Most recent utility bill or another equivalent document that proves your address.
• Latest payslip or another document that proves your monthly income.

Interest Rate

Annual effective interest rate between 2% and 6%, depending on the amount requested and the repayment duration, excluding administrative fees.

Loan Duration

The duration of your loan cannot exceed 30 years.

Start of Monthly Payments

They begin between 60 (2 months) and 90 (3 months) days from the day the borrower receives the total loan amount.

Payment Deferral or Postponement

To check if a deferral is possible, you can contact us by phone or through the contact form on our website. The postponement will accrue interest at the current rate, and the loan guarantee premium will be calculated at the time of purchase. You may request a deferral of one or two payments per year and benefit from a “non-payment” option. Your request must be submitted 7 days before the next due date. This postponement is granted on the condition that your revolving loan is neither unpaid nor overdue at the time of your request, is not covered by insurance, and has not been granted within the past two months.

Early Repayment

Whether you’ve taken out a revolving loan or a personal loan, you can repay all or part of the remaining balance at any time without extra fees. Whether it’s a fixed-term contract, work contract, apprenticeship, or temporary contract, we can assist you.

Loan and Insurance Agreement

The borrower must sign a loan agreement and a credit insurance certificate. This insurance covers you in case of death, total and irreversible loss of autonomy, and total incapacity to work due to illness or accident (No. 0081 FACL), as well as job loss due to dismissal requiring compensation.