Frequently Asked
Questions.

Access to our credits is open to any adult legally residing in the EU. We analyze creditworthiness based on regular income, whether you are an employee, self-employed, or retired. Unlike traditional banks, we also study profiles on fixed-term contracts or temporary work with adapted guarantees.

We remove physical intermediaries and red tape. Result: competitive rates, an instant decision in principle, and record-breaking fund release.

Yes, provided your total repayment capacity remains within debt-to-income limits (usually 33%). We also offer debt consolidation.

To ensure speed, we ask for the bare minimum: a valid ID, recent proof of address, and bank details (IBAN).

After final approval (within 24h), the transfer is ordered immediately. Funds typically appear within 24-48 business hours.

In accordance with European law, you have a 14-day right of withdrawal from the date of signing, with no justification needed.

Absolutely. Our 'Business Pulse' offer is designed for companies under 3 years old. We finance working capital or equipment based on your business plan.

Yes, we offer a full grace period: you only pay for insurance while studying. Repayment of principal and interest begins after you enter the workforce.

For amounts under €75,000, no quotes are required. This is an unsecured loan allowing you to manage your project freely.

Yes, for primary residences, second homes, or buy-to-let investments. Our experts help you build a solid application.

No. All our contracts have a fixed APR. Your monthly payments are locked in at signing and remain identical throughout the term.

We offer total flexibility: for any consumer loan, you can repay all or part of your credit early without any financial penalties.

Prevention is key. If you foresee a problem, contact us 15 days before the due date to discuss payment deferral or rescheduling.

We apply the strictest security standards (AES-256 bit encryption). Your data is stored on secure European servers (GDPR compliant).

For small personal loans, it is optional but recommended. For mortgages or large business loans, it is usually required to cover disability or death risks.