Personal loan
A clear project deserves a clear 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%
Personal loan
How it works
You borrow a fixed amount, repaid in equal monthly instalments over a term chosen in advance. No overdraft creeping up, no limit that reloads itself: from the day you sign, you know what you owe, for how long, and at what total cost.
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.
Overview
What you gain
Fixed payment, stable budget
The amount debited does not move for the whole term of the loan. Your monthly budget stays predictable.
No proof of use required
Unlike a purpose-specific loan, you do not have to produce invoices or prove how the funds were spent.
Early repayment possible
You can settle all or part of the principal ahead of schedule. We check before signing that this flexibility is genuinely in the contract.
Term adjustable before signing
A longer term lowers the payment but raises the total cost. We show you both figures side by side so you can weigh them properly.
Who it is for
- Employees or retirees with regular income
- Self-employed workers able to show two fiscal years
- A defined project between €1,000 and €500,000
- A debt ratio that remains manageable after the operation
Conditions and documents
- Be of legal age and resident in France
- Show regular and sufficient income
- Valid photo identification
- Last three bank statements
- Last two pay stubs or notice of assessment
Borrowing money costs money and must be repaid. Check your repayment capacity before committing. This application is not a credit offer and does not bind any lender.
FAQ
Questions about this solution
The preliminary review we carry out leaves no trace. A formal check only happens once you authorise us to submit the file to a lender.
Yes. It is more demanding but far from blocking. Seniority, the regularity of income and your disposable income weigh more than the type of contract.
Generally 3 to 10 business days after approval, depending on the lender and any applicable statutory cooling-off period.
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.
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