- Several lenders compared
- 3.5 % — Fixed annual rate
- Preliminary answer within 24 business hours
- Reviewed by a human
- A network of lenders, not one
- A dedicated advisor you can actually reach
- Protected data
- Application without obligation
Answer within 24 hours
A preliminary answer the next business day, not in two weeks.
Several lenders consulted
We put your file to several partners rather than to a single one.
Reviewed by a human
An advisor reads your file. No decision left to an algorithm alone.
Protected data
End-to-end encryption, never resold to third parties.
Our solutions
Four ways to get your project moving
Every situation has its own mechanics. We do not apply the same grid to a €5,000 cash-flow need and to the consolidation of four active loans.
Personal loan
A wedding, tuition, an unexpected expense, equipment, travel: a personal loan funds what you have already decided, without justifying every purchase or pledging anything as security.
- Amount
- €1,000 to €500,000
- Term
- 6 to 84 months
- Fixed annual rate
- 3.5%
Debt consolidation
Consolidation combines your current loans into a single financing: one payment, one date, one rate. The point is not to borrow more, but to take back control of a budget that has fragmented.
- Loans combined
- up to 8 lines
- Typical relief
- 20% to 45%
- Term
- up to 84 months
Car & home improvement
These are the two types of financing where the gap between a good and a bad offer runs into thousands of dollars. Not least because the dealer's or the contractor's offer is rarely the best one.
- Vehicle
- new, used, motorcycle, RV
- Renovation
- up to €500,000
- Term
- 12 to 84 months
Business financing
Tight cash flow, a machine to replace, an order too large for your working capital: these situations play out in days, not quarters. We work at that pace.
- Amount
- €5,000 to €500,000
- Structures
- inc., partnership, sole trader
- Answer
- within 24 to 72 h
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What it would actually cost you
Move the sliders: the monthly payment and the total cost recalculate instantly, at the fixed annual rate. No personal information required.
Breakdown
Estimated payment
/ month
- Fixed annual rate
- %
- Total cost of credit
- Total repaid
Application without obligation
Representative example
For a loan of 10,000 € over 24 months at a fixed annual percentage rate of 3,50% (fixed borrowing rate of 3,50%), excluding optional insurance: 24 monthly payments of 432.03 €. Total amount payable: 10,368.72 €, of which 368.72 € in interest. Offer subject to approval of your file by the lender.
This estimate is indicative and excludes optional insurance. It is neither a credit offer nor a financing commitment. The final rate and conditions depend on the review of your file and the offer of the selected lender. Borrowing money costs money and must be repaid: check your repayment capacity before committing.
How it works
Four steps, and not one more
Our job is to absorb the complexity so that yours comes down to a form and a decision.
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You describe your project
Five minutes is enough. Amount, term, situation: what we need to route the file, nothing more.
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We review and compare
An advisor analyses your file and tests it against our partner lenders' criteria to find the best conditions available to you.
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You receive a clear proposal
Rate, monthly payment, total cost, term, conditions. One readable document, with nothing buried on page eight.
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You decide, we execute
If the offer suits you, we handle the file through to disbursement. If it does not, you remain free to decline it.
What sets us apart
What changes when you refuse to sell credit at any cost
We put several lenders in competition on the same file. And when we fund the loan ourselves, we carry the risk: we therefore have no interest in building a file that will not hold up.
An advisor, not a call centre
The person who reviews your file is the person who answers the phone, from the first conversation through to disbursement.
Total cost, shown first
We start with what the credit will cost you in total. Everything else in the document follows from that.
A reasoned "no"
When a project cannot be financed on decent terms, we say so and we explain what would need to change.
A network of lenders, not one
Banks, specialised finance companies and alternative lenders: competition is what brings your rate down.
No forced selling
No mandatory insurance, no add-on product you do not need. You choose what you take.
A file we still follow afterwards
Early repayment, payment adjustment, a change in your situation: your advisor remains your contact.
They trusted us
What completed files sound like
I had four loans and no longer knew which ones were costing me the most. Everything was laid out in an hour, and my monthly payment went from €1,240 to €780.
Two banks had said no for my company van. Here I had an answer in 19 hours and a rate I was not expecting.
What I appreciated is that they advised me against the longest term, even though it would have paid them better. That builds trust.
Testimonials from real clients, first name and initial, published with their consent. The conditions obtained depend on each individual file.
Frequently asked
Answers to the questions you were about to ask
We explain what blocked it and, where relevant, what could change the outcome: a co-borrower, a different term, a deposit. You remain free to come back later.
Our preliminary review involves no formal credit enquiry and therefore leaves no trace. A check only happens after you explicitly authorise us to submit the file to a lender.
A preliminary answer within 24 business hours for a personal file, 24 to 72 hours for a business file. Funds are then disbursed within 3 to 10 business days depending on the lender.
No. The form triggers a review, nothing more. You remain free to decline any proposal, without justification.
Often, yes. A refusal reflects one institution's internal grid, not a truth about your creditworthiness. We work with lenders whose criteria differ, and a significant share of our completed files had already been refused elsewhere.
Around 40% in most grids, but that threshold is not absolute: disposable income, income stability and household composition weigh heavily. A file at 43% with comfortable disposable income sometimes passes more easily than a very tight one at 35%.
Your project deserves better than a rate picked at random
Complete the application in five minutes. An advisor gets back to you within 24 business hours with a preliminary answer and, where possible, a costed proposal.
Several lenders compared Preliminary answer within 24 business hours A dedicated advisor you can actually reach