Personal loan, debt consolidation, funding a project: tell us what you need in a few clicks. As both lender and broker, we fund some applications ourselves and, for the rest, we put several lenders in competition, then come back to you with a fast decision in principle. Fixed annual rate of 3.90%, free assessment, no obligation and no arrangement fees.
The decision in principle comes quickly. But every consumer credit agreement opens a statutory 14-day withdrawal period that no one can shorten: funds are released once it expires. We would rather tell you at the outset than after you have signed.
Whatever your project and your circumstances, assessing your application is free, confidential and commits you to nothing. People registered as banned from banking services may still apply, with applications assessed from €5,000. No approval is guaranteed for all that: the final decision is taken after the application has been assessed and the Banque de France FICP and FCC registers have been checked, as required by law. Apply for my loan
The same rate across all our offers, whether we fund your application ourselves or put several lenders in competition. This rate is subject to assessment and approval of your application.
Your application is assessed as soon as the documents arrive: a decision in principle within 24 to 48 working hours. The funds themselves are released after the statutory 14-day withdrawal period.
We fund some applications directly and put the others out to competition. Our role remains to find the option that suits your situation — or to tell you plainly when it is better to wait.
Taking out a fast loan online: free simulation and funds released within 72 hours*. Simplified procedures, 100% secure.
The annual percentage rate of charge includes the interest and every compulsory fee: it is this figure, not the nominal rate, that tells you what your loan really costs. Here is how to read it.
Combining your loans lowers the monthly payment, but often lengthens the term and increases the total cost. The situations where it pays off, and those where it does not.
A purpose-linked loan is cancelled if the sale falls through, but requires proof of purchase. A personal loan leaves your hands free. How to decide, depending on whether you are buying new, used or from a private seller.
Insulation, heating, solar power: grant schemes cover part of the bill, but they have to be claimed before the work begins. The loan then only finances the balance you are left to pay.
Steady income, fixed outgoings, loans already running, money left to live on: the method our brokers apply to work out what your budget really supports each month.
Proof of identity, bank details, payslips, tax assessment: a complete file from the very first submission is the single biggest factor in getting a fast answer. Here is the list to prepare.
