Conditions for obtaining a loan

  • * Be at least 18 years of age.
  • * Being of good character means honouring a commitment.
  • * Have a minimum monthly income of 500€.
  • * A loan granted and not repaid within the time limit of the contract will lead to legal proceedings accompanied by the publication of your identity card on all channels that are displayed at our agency. The deadline for transfer is 48 hours at the most.

Documents to be provided

  • * Double-sided scanned IDs.
  • * Copy of a bank (RIB) or postal (RIP) identity statement.
  • * Last electricity bill or any other equivalent document that can justify your address.
  • * Last pay slip or any other document that can justify your monthly income.

Interest rate.

Annual APR ranging from 2% to 6% depending on the amount requested and the repayment period, no application fee.

Repayment period

The term of your loan cannot exceed 30 years.

Start of monthly withdrawals.

They start between 60 (2 months) and 90 (3 months) days from the day the borrower receives the full amount of the loan.

Pause in repayment or deferral of monthly payments.

To study the possibility of postponing a deadline, you can contact us by phone or from the contact form available on our website. The deferral generates interest at the current rate, the premium for the credit guarantee will be calculated if the insurance has been taken out. You can request the deferral of one or two maturities per year and thus benefit from a "repayment break". You must make the request 7 days before the next due date. This payment break will be granted to you on condition that at the time of your request for deferral, your revolving credit does not have any outstanding or late payments, is not covered by the insurance and that you have not benefited from a deferral in the previous 2 months.

Prepayment.

Whether you have taken out a revolving credit or a personal loan, you can repay all or part of the amount you still owe at any time and at no extra charge. Whether you are a temporary worker, on a professional training contract, an apprenticeship or even on a fixed-term contract, we can help you.

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