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 from 2.02%* Fixed borrowing rate from 2.00%
Individuals
Revolving credit
A sum available for unexpected expenses: use it when you need it and pay interest only on the amounts used.
Amount€500 – €10,000
TermFrom 6 to 36 months
Fixed APRfrom 2.02%*
A reserve for the unexpected
Revolving credit gives you a cash reserve that you can use in full or in part, whenever you need it.
Interest is charged only on the amounts used and the reserve is replenished as you repay. It is a solution for occasional expenses: for a specific project, a personal loan is generally more cost-effective.
Benefits
- Interest only on the amounts used
- Reserve that replenishes itself
- Free and flexible use
- Detailed monthly statement
Main terms
- Amount
- €500 – €10,000
- Term
- From 6 to 36 months
- Fixed borrowing rate
- from 2.00%
- Fixed APR
- from 2.02%
- Arrangement fees
- None
- Early repayment
- Possible at any time, in full or in part
Documents usually required
- Valid identity document
- Last two payslips or latest tax return
- Recent proof of address
- Bank statements for the last three months
Frequently asked questions — Revolving credit
How does it differ from a personal loan?
A personal loan pays out a single sum repaid in fixed instalments; revolving credit is a reusable reserve, with a generally higher rate.
Do I pay anything if I do not use the reserve?
No interest accrues if the reserve is not used. Any fees are set out in the pre-contractual information.
How is the repayment calculated?
The repayment depends on the amount used and the agreed repayment term: the simulator provides an estimate.
Can I close my revolving credit?
Yes, you can request closure at any time by repaying any outstanding balance.
Other solutions you may be interested in
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 from 2.02%* Fixed borrowing rate from 2.00%
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 from 2.02%* Fixed borrowing rate from 2.00%
* APR from, for amounts up to €30,000. The rate increases with the amount borrowed (see the rate table in the loan calculator) and depends on the term and on the assessment of your profile. Promotional advertising message.