Personal Loan

Make All Your Projects a Reality Without Limits

Whether it's for home improvements, a wedding, a holiday, or any other project, our personal loan gives you the freedom to use the funds however you wish.

Up to €50,000

Financing tailored to the scale of your project

Flexible term from 12 to 84 months

Choose the duration that matches your repayment capacity

Rates starting from 4.5%

Competitive rates based on your profile

No proof of use required

Funds can be used freely

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A Simple and Transparent Loan

Discover all the benefits of our personal loan

Fast Response

Receive an answer on average within 24 hours after your application.

No Application Fees

Enjoy waived application fees for all online requests.

Flexible Monthly Payments

Adjust your monthly payments based on changes in your situation.

Your Personal Loan in 4 Simple Steps

From simulation to fund disbursement: fast, 100% online, and no surprises.

Instant Simulation → Quick Approval → Funds Available Within 48 Hours*

Simulate Your Loan in 2 Minutes

Enter the desired amount and term: instantly get an estimate of your monthly payments and APR. No commitment, free simulation with no impact on your credit file.

Complete Your Online Application

Upload your supporting documents (ID, income proof, address). Electronic signature available for faster processing. No proof of use required.

Receive Your Personalized Offer

Immediate principle approval, followed by a detailed loan offer (APR, monthly payments, total cost). Legal 14-day cooling-off period before acceptance.

Funds Available Quickly

Once the offer is accepted and the cooling-off period has passed, funds are transferred to your account within 24–48 hours. Use them freely for your project.

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Frequently Asked Questions

Answers to the most common questions about our personal loans

What documents are required to apply for a personal loan?

To review your application, we generally require: valid ID, recent proof of address, last 3 payslips (or equivalent for self-employed/retirees), last tax notice. No proof of use required. Everything can be done online with electronic signature.

Does a personal loan require proof of how the funds will be used?

No! Unlike purpose-bound credit (car, home improvement, etc.), a personal loan is unsecured: you can use the funds freely (travel, wedding, non-subsidized renovations, cash flow, etc.). No invoices or quotes are required.

What is the maximum term for a personal loan?

Up to 84 months (7 years) in most cases, depending on the amount and your repayment capacity. For amounts below €6,000, the term may be shorter to comply with consumer credit regulations.

Can I repay my personal loan early?

Yes, at any time! Early repayment (full or partial) is allowed with limited fees: capped at 1% of the remaining capital (if more than 12 months left) or 0.5% otherwise. Often waived for small amounts or in special cases (death, relocation, unemployment).

Is borrower insurance mandatory?

No, it is optional for a personal loan. However, it protects you in case of unforeseen events (death, disability, job loss). You can choose your own insurance or ours.

What is the cooling-off period after signing?

You have a legal **14 calendar day** cooling-off period to withdraw without reason or penalty.