Revolving Credit

A cash reserve available anytime

Have a cash reserve you can use as needed, whenever you want, with no justification required.

Reserve from $500 to $6,000

Permanent credit available 24/7

Free use, no justification needed

For everyday or unexpected expenses

You only pay for what you use

No interest on the unused portion

Automatic replenishment

Your reserve rebuilds as you repay

Check my eligibility Activate my reserve

How it works

A simple and flexible credit that adapts to your needs

Reserve granted

We determine your reserve amount based on your profile.

You use it

Draw from your reserve as needed via transfer or card.

You repay

Monthly payments tailored to your budget. The reserve replenishes.

Your revolving credit in 4 simple steps

Activate your cash reserve quickly and use it whenever you need it.

Quick application → Reserve available 24/7 → Flexible use

Apply for your reserve online

Fill out the quick form with your personal and financial details. Immediate solvency check to determine your limit (500 to 6,000 €).

Sign your contract electronically

Receive your offer by email. 100% online signature with 14-day cooling-off period. No proof of use required.

Activate and use your reserve

Once activated, use your reserve via transfer, linked card or withdrawals. You only pay interest on the amount used.

Repay and replenish

Fixed or flexible monthly payments repay used capital + interest. The reserve automatically replenishes for future use.

Check my eligibility for free

Frequently Asked Questions

Answers to the most common questions about our revolving credit

What exactly is a revolving credit?

It is a permanently available cash reserve (500 to 6,000 € with us). You only use what you need, pay interest only on the amount used, and the reserve replenishes as you repay. Ideal for unexpected expenses without reapplying each time.

What documents are needed to activate it?

Valid ID, recent proof of address, and income documents (last payslips or tax return). No proof of use required. Everything is done online with electronic signature.

Are the rates fixed or variable?

The APR is fixed at subscription but often reviewed annually based on your file and market conditions. You only pay interest on the used portion. Always check the offer for the exact APR (usually between 15% and 21% for small amounts in 2026).

Can I repay faster or cancel the credit?

Yes, full or partial early repayment is possible at any time with no or very low penalties. You can also terminate the contract at any time after the 14-day cooling-off period. The reserve closes if unused for 12 consecutive months (legal rule).

Is insurance mandatory?

No, it is optional but recommended (death, disability, unemployment). You can choose your own policy or ours. It slightly increases the total cost but protects in case of unforeseen events.

Is there a risk of over-indebtedness?

Yes, there is a real risk if the reserve is used as permanent income supplement. Rates are high on the used portion, and automatic replenishment encourages re-borrowing. We check your solvency at subscription and monitor your situation (stricter rules since 2026). Use it only for occasional needs.

How quickly are the funds available?

After offer acceptance and end of the 14-day cooling-off period, funds are immediately available on your account or via linked card. For first use, usually within 48 hours.