Express loan
The express loan in a nutshell
The express loan is a standard consumer credit whose processing chain has been shortened: application completed online, supporting documents submitted digitally and automated analysis. You receive an immediate decision in principle, then a firm answer from the lender within 24 to 48 working hours.
Fast does not mean unchecked: your repayment capacity is assessed with the same rigour as for any other credit, and consulting the Banque de France registers remains compulsory. What changes is the processing time, not the level of scrutiny.
- Immediate decision in principle, firm answer within 24 to 48 working hours
- 100 % online application, electronic signature
- Amount: from €5,000 to €50,000, at a fixed annual rate of 3.90%
- The statutory 14-day withdrawal period is fully preserved
Key features
Response time
The decision in principle appears as soon as you finish the form. The lender’s final answer usually comes within 24 to 48 working hours after receipt of the complete file.
Release of funds
Funds are paid out once the statutory 14-day withdrawal period has expired, a period French law does not allow to be shortened. So allow around three weeks between the application and the transfer.
Documents required
Proof of identity, bank details, your last three payslips and your latest tax assessment. Sending them from the outset is the main lever for moving quickly.
Rate applied
A fixed annual rate of 3.90% for the whole term of the contract, whatever the product. Fast processing does not degrade the terms: we finance some applications directly and put the others out to competition.
How it works
Your online simulation
Enter the amount and term you want in our calculator: the monthly instalment and total cost appear instantly.
Submitting your application
You complete the form and upload your supporting documents in digital format. A decision in principle appears straight away.
Putting lenders in competition
We are both lender and broker: we finance some applications directly and, for the others, we put several institutions in competition to select the offer with the lowest total cost.
Signature and release
You sign electronically, then the statutory 14-day withdrawal period runs before the funds are transferred to your account.
Why go through us
- Both lender and broker: a single application, financed directly or put out to competition
- No arrangement fees payable to us: our assessment is free and without obligation
- A single point of contact who tells you frankly when an application cannot be financed
- A comparison based on total cost, not just on the headline rate
Frequently asked questions
No, and be wary of any offer that promises it. Under French consumer law (Code de la consommation), a 14-day withdrawal period must elapse before any funds are released. What is immediate is the decision in principle, not the transfer.
No. The annual rate is fixed and identical across the whole site: 3.90%, whatever the product. The speed comes from digitised processing, never from a rate mark-up.
We explain the reason for the refusal and look at the possible alternatives: a revised amount, a longer term, adding a co-borrower, or a debt consolidation if your current instalments weigh too heavily.
No. Like the personal loan, the express loan is an unallocated credit: you use the funds freely, with no invoice to produce.
Need a fast answer?
Start your application online: the decision in principle is immediate and having your file assessed commits you to nothing.
Credit is a commitment and must be repaid. Check that you can afford the repayments before you commit.
