Express Credit
A small credit to absorb the unexpected
The term express credit refers to a credit intended for an expense that could not wait: a broken boiler, a car repair, a failed appliance, a rental deposit to pay. Our offer runs from from €5,000 to €50,000, at a fixed annual rate of 3.90%. The focus here is on use: a one-off need, a short term.
That is what sets it apart from our express loan, which is about the speed of processing the application and covers far wider amounts. Both rest on the same legal framework: a standard consumer credit, with all its protections. The difference lies in what you finance, not in the nature of the contract.
Express credit is not a micro-loan. If you are looking for a very small amount repayable within a few weeks, our micro-loan page explains a different legal regime, and a markedly less protective one.
- Amount: from €5,000 to €50,000, terms from 12 to 48 months
- A consumer credit in its own right: all the protections apply
- No proof of use: unallocated credit
- A 14-day withdrawal period and a pre-contractual information sheet are compulsory
Key features
A right-sized amount
Borrowing as close as possible to the real need is the best protection. Every extra slice borrowed is paid for in interest without solving anything in your situation.
A short term
For an unexpected expense, the right term is the shortest your budget can bear. Spreading a €10,000 credit over ten years multiplies the total cost without improving your situation.
Full creditworthiness assessment
Whatever the amount, the lender checks your income and your commitments and consults the FICP and FCC registers. No credit is ever automatic.
Fixed rate and APR
The annual rate is fixed: 3.90% for all our offers. It is confirmed before signature through the European standardised pre-contractual information sheet, subject to assessment and acceptance of the application.
How it works
Work out the exact need
Cost the expense from the quote or the invoice. A properly sized express credit is repaid quickly; an oversized credit becomes a lasting burden.
Check the free alternatives first
Instalments offered by the provider, extra time granted by a supplier, social welfare assistance: if one of these routes exists, it is cheaper than a credit. We will tell you so.
Simulate and submit
The calculator gives you the monthly instalment in seconds, then you submit your application online with your documents.
Signature and release
Once accepted, the electronic signature opens the 14-day withdrawal period. The funds are released afterwards: no consumer credit allows a same-day transfer.
What we check on a small credit
- That credit really is the cheapest solution for your unexpected expense
- That the amount matches the need, with no superfluous reserve added by the lender
- That the payment protection insurance offered is optional and genuinely useful in your situation
- That you are not already accumulating several small credits; if you are, we look at a consolidation
Frequently asked questions
The express loan is about the speed of processing the application, across the whole range of amounts. Express credit refers rather to a small amount for a one-off need. Same legal framework, different angle: the two can in fact be combined.
Our applications are assessed from €5,000 to €50,000. Below that threshold the cost of processing the file is not covered, and instalments offered by the retailer are almost always more advantageous.
No, and any advertising claiming this for a consumer credit is misleading. The 14-day withdrawal period laid down by Article L.312-19 of the French Code de la consommation must precede the release of funds.
No: this is an unallocated credit. You may nonetheless state the reason in your application; it sometimes helps the analyst understand the one-off nature of the need.
Not necessarily. Acceptance depends on your debt-to-income ratio and your disposable income, not on the size of the credit. Being listed on the FICP register weighs as heavily on a small credit as on a large one. You can nonetheless submit an application, which will be assessed: see our page on banking exclusion.
An unexpected expense to cover?
Tell us about your need: we will say whether a credit is appropriate, and on what terms. Free assessment, straight answer.
Credit is a commitment and must be repaid. Check that you can afford the repayments before you commit.
