Personal Loan
The personal loan in a few words
A personal loan is an instalment credit at a fixed rate whose amount is paid into your account in a single payment. You then repay it in constant monthly instalments, known from the moment you sign the agreement through to the final instalment. Neither the rate nor the instalment can change during the agreement: your budget stays under control from the first month to the last.
Unlike credit tied to a specific purchase, a personal loan does not require you to justify each item of spending. It funds a second-hand car just as well as home improvements, a wedding, studies or an unexpected expense. We are both lender and broker: we fund some applications directly and, for the others, we put several lenders in competition in order to select the one with the lowest total cost for your situation.
- Amount from €5,000
- Term from 12 to 120 months
- Annual rate fixed at 3.90% and a constant instalment for the whole term
- No hidden arrangement fees, free assessment and no obligation
The key features
Amount borrowed
Amount from €5,000, paid out in a single payment into your account as soon as the file is finally approved and the statutory withdrawal period has expired.
Repayment term
From 12 to 120 months. A short term reduces the total cost of the credit, a long term lightens the instalment: we look for the right balance with you.
Guaranteed fixed rate
The annual rate is fixed: 3.90% for all our offers. It is set at signature and never moves. The APR, which includes all fees, is communicated to you before you commit to anything.
Constant monthly instalment
The same amount every month, debited on a fixed date. Early repayment, in full or in part, remains possible at any time under the statutory conditions.
The steps of your application
Four simple steps separate your application from the payment of the funds. We take care of putting the file together and of dealing with the lender.
1. Credit simulation
You enter the amount you want and the term you have in mind in our credit calculator. You immediately get an estimate of the monthly instalment and of the total cost.
2. Online application
You complete the application form: identity, employment situation, income and outgoings. Allow less than five minutes; no document is required at this stage.
3. Assessment and comparison
An adviser reviews your file, checks your repayment capacity and either funds your application directly or approaches several lenders. You receive a decision in principle and the best offer selected.
4. Signature and payment
Once the agreement has been signed and the statutory cooling-off period observed, the funds are paid into your account. You keep the right of withdrawal provided for by law.
Why go through us?
We are both lender and broker: we fund some applications directly and, for the others, we put the lenders we work with in competition. In both cases, our role is to argue your case.
- Direct funding or a comparison of several offers, with only one file to put together
- A single point of contact, reachable by telephone and by email
- Objective advice on the term and the amount you can genuinely sustain
- A properly presented file, which speeds up the lender's decision
- Free assessment: you pay nothing to obtain a proposal
Frequently asked questions
Our applications are reviewed from €5,000. The amount actually granted depends on your income, your outgoings and your existing credits. The usual rule of prudence is that all your monthly repayments together should stay reasonable in relation to your net income.
From 12 to 120 months. The maximum term depends on the amount borrowed and on the type of project funded. The longer the term, the lower the monthly instalment, but the higher the total cost of the credit.
No. A personal loan is a fixed-rate credit: the borrowing rate and the monthly instalment are locked in from signature and stay so until the final instalment, whatever the markets do.
You state the nature of your project when applying, because it affects the rate offered. However, a standard personal loan does not require you to send in the corresponding invoices after the funds are paid out, unlike credit tied to a specific purchase.
Generally proof of identity, your most recent payslips or proof of income, a recent bank statement and, where applicable, details of your existing credits. Your adviser will send you the exact list once your application has been reviewed.
Yes. Early repayment, in full or in part, is possible at any time. The lender may claim a reinvestment indemnity capped by law; its amount appears in your credit agreement.
Ready to start your application?
Start by estimating your monthly instalment with the credit calculator, then submit your application online. The assessment of your file is free and without obligation.
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Credit is a commitment and must be repaid. Check that you can afford the repayments before you commit.
The amounts, terms and conditions shown on this page are indicative and constitute neither an offer of credit nor a contractual commitment. Every application is subject to approval of the file by the lender.
