Loan Requirements

• Be at least 18 years old.
• Have a good reputation, even if this means fulfilling an obligation.
• Have a minimum monthly income of €500.
• A loan granted but not repaid within the contractual deadline will result in legal action, which will involve publishing your card details on all channels displayed in our branch. The transfer time is 48 hours maximum.

Documents required

• Scanned ID documents on both sides.
• Copy of a bank statement (RIB) or postal statement (RIP).
• Most recent utility bill or other equivalent document that can prove your address.
• Most recent payslip or other document that can prove your monthly income.

Interest rate.

Annual effective interest rate between 2% and 6% depending on the amount requested and the repayment term, excluding application fees.

Loan Term

Your loan term cannot exceed 30 years.

Start of monthly payments.

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

Pause in repayment or deferral of monthly payments.

To check the possibility of an extension, you can contact us by phone or via the contact form on our website. The deferral will accrue interest at the current interest rate, and the premium for the loan guarantee will be calculated at the time of purchase. You can request a deferral of one or two payments per year and thus benefit from a "no repayment" option. You must submit your request 7 days before the next payment deadline. This payment deferral is granted provided that your revolving loan is unpaid or past due at the time of your payment deferral request, is not covered by insurance, and has not been approved within two months.

Early Repayment.

Whether you have a revolving loan or a personal loan, you can repay all or part of the outstanding amount at any time without additional fees. Whether it's a temporary contract, an employment contract, an apprenticeship, or a fixed-term contract, we can help you.

Loan and insurance agreement.

The borrower must sign a loan agreement and a credit insurance certificate. This insurance covers you in the event of death, total and irreversible loss of autonomy, and total incapacity for work due to illness or accident (no. 0081 FACL), as well as job loss due to dismissal requiring compensation.

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