Personal loan
A sum to use as you wish, with a fixed repayment and a term of your choice.
- From €1,000 to €75,000
- From 12 to 84 months
Fixed APR 5.90%*
Responsible credit, transparent terms
The right financing to bring your projects to life
Personal, car, home improvement, debt consolidation and business loans: run a free simulation and submit your application online in minutes.
- Fixed rate: your repayment stays the same for the whole term
- Free, no-obligation simulation
- 100% online application and protected data
BMT FINANCESCompany registered with the 312 425 556 R.C.S. Paris
€1,161,216.00share capital
48 hoursindicative time for an agreement in principle
Protected dataencrypted connection and GDPR-compliant processing
Individuals
A solution for every project
Choose the financing best suited to your needs: amounts, terms and costs are clearly stated.
Car loan
Finance the purchase of a new or used vehicle, including electric or hybrid.
- From €3,000 to €75,000
- From 12 to 84 months
Fixed APR 4.91%*
Home improvement loan
Renovate, furnish or improve the energy efficiency of your home.
- From €2,000 to €75,000
- From 12 to 120 months
Fixed APR 6.48%*
Debt consolidation
Combine several existing loans into a single repayment that better suits your budget.
- From €5,000 to €150,000
- From 24 to 144 months
Fixed APR 7.18%*
Revolving credit
A cash reserve that is replenished as you repay.
- From €500 to €10,000
- From 6 to 36 months
Fixed APR 9.92%*
* APR of the representative example. The APR offered depends on the amount, the term and the assessment of your profile. Advertising message for promotional purposes.
Why choose BMT Finanziamento
Simplicity
A guided online application, with no documents to print and no appointments.
Speed
A quick agreement in principle, generally within 48 working hours.
Transparency
Fixed borrowing rate, APR, total cost and amount payable are always visible before you commit.
Security
Encrypted connection, securely stored documents and strong authentication for access.
How it works
Your loan in 4 steps
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Simulate
Choose the amount and term and instantly see your monthly repayment and APR.
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Submit your application
Complete the secure online form in about 5 minutes.
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Get an answer
We review your profile and give you an agreement in principle.
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Sign and receive the funds
Once your documents have been checked and the agreement signed, the funds are paid out.
Professionals and businesses
Financing the growth of your business
Cash flow, equipment, expansion: medium- and long-term financing solutions for professionals, SMEs and businesses.
- Amounts from €10,000 up to €1,000,000
- Repayment schedule tailored to your business cycle
- A dedicated adviser to review your project
Business loan
Cash flow, working capital or expansion: financing to help your business grow.
- From €10,000 to €500,000
- From 12 to 120 months
Fixed APR 5.86%*
Investment financing
Equipment, machinery, vehicles or premises: finance your productive investments.
- From €20,000 to €1,000,000
- From 24 to 180 months
Fixed APR 5.40%*
Most frequently asked questions
What is the difference between the borrowing rate and the APR?
The fixed borrowing rate (nominal annual rate) is the pure interest rate applied to the capital borrowed.
The APR (annual percentage rate of charge) includes all the costs of the credit: interest, arrangement fees, administration fees and other mandatory charges. It is the indicator to use when comparing offers.
How long does it take to get an answer?
You generally receive an agreement in principle within 48 working hours of submitting a complete application. The time may vary depending on the complexity of the file and how quickly you send us your documents.
Which documents do I need to provide?
We usually ask for:
- a valid identity document;
- your latest payslips or tax return;
- a recent proof of address;
- bank statements for the last few months.
For businesses: company registration extract, latest financial statements and a presentation of the project. You can upload them securely from the customer area.
Does the simulation commit me?
No. The simulation is free, anonymous and carries no obligation. Submitting an application does not oblige you to sign either: you decide after receiving the offer.
Can I repay the loan early?
Yes. You can repay the credit in full or in part at any time. In that case, you are entitled to a reduction in the total cost of credit for the interest and costs relating to the remaining term, within the limits set by the regulations.
Can I withdraw after signing?
Yes. For consumer credit agreements, you have 14 calendar days from the conclusion of the agreement to withdraw, without penalty and without giving a reason.
Ready to bring your project to life?
Simulate, apply online and receive an agreement in principle quickly.