Conditions to be met for obtaining a loan
* Be at least 18 years of age.
* Be of good morals to honor a commitment.
* Have a minimum monthly income source of 500 €.
* A loan granted unrefunded within the deadline of the contract leads to legal proceedings accompanied by the publication of your identity card on all channels that are posted to our agency. The transfer period is 48 hours at the most.
Documents to provide
* Identity parts scanned on both sides.
* Copy of a bank account (RIB) or postal (RIP).
* Last electricity bill or any other equivalent document that can justify your address.
* Last pay slip or other document that can justify your monthly income.
Interest rate.
TEG varies from 2% to 6% depending on the amount requested and the duration of repayment, no application fees.
Term of the loan.
The duration of your loan can not exceed 30 years.
Start of monthly withdrawals.
They start between 60 (2 months) and 90 (3 months) from the day the borrower receives the full amount of his loan.
Break in refund or deferral of monthly payments.
To study the possibility of delaying a deadline, you can contact us by phone or from the contact form available on our website. The deferral creates interest at the prevailing rate, the premium for the guarantee of the credit will be calculated if the insurance has been subscribed. You can ask for the deferral of one or two deadlines per year and thus benefit from a "pause reimbursement". You must apply 7 days before the next deadline. This pause payment will be granted on condition that at the time of your deferral request, your revolving credit does not present any unpaid or late payment, is not taken care of by the insurance and you do not have Benefited from carry-over in the previous 2 months.
Repayment in advance.
Whether you have a revolving credit or a personal loan, you can at any time and at no additional cost reimburse all or part of the amount you still owe. Whether you are a temporary worker, a contract for professionalization, apprenticeship or even a fixed-term contract, we can help you.
Loan Agreement and Insurance.
The borrower will have to sign a loan agreement and a credit insurance certificate. The insurance covers you in the event of death, total and irreversible loss of autonomy, total incapacity for work by illness or accident (No. 0081 FACL), and loss of employment due to dismissal indemnified.