How it works
A simple, transparent process, from simulation to payout of the funds.
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Simulate
The simulator lets you estimate the monthly repayment, the fixed borrowing rate, the APR and the total cost of credit. The simulation is free, anonymous and does not commit you in any way.
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Submit your application
You complete the online application, describing your project, your personal and professional situation and your monthly budget. Your data is transmitted over an encrypted connection.
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Get an answer
An adviser reviews your application and your ability to repay. We give you an agreement in principle and, if necessary, ask for supporting documents through the customer area.
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Sign and receive the funds
If your application is accepted, you receive the contractual offer and the Standard European Consumer Credit Information (SECCI). Once signed, the funds are paid into your account. You have 14 days to withdraw.
How we assess your application
Before granting credit, we are required to check your ability to repay (creditworthiness). In particular, we assess:
- stable and regular income;
- fixed outgoings (rent, other loans in progress);
- the stability of your professional situation;
- the consistency between the amount, the term and the project.
We may consult the credit databases provided for by law, after informing you.
Your rights
- To receive the pre-contractual information (SECCI) free of charge before signing.
- To withdraw from the agreement within 14 days of its conclusion, without giving any reason.
- To repay the credit early, in full or in part, at any time.
- To make a complaint and, if necessary, refer the matter to an out-of-court dispute resolution body.
Ready to bring your project to life?
Simulate, apply online and receive an agreement in principle quickly.