Our Terms
WHAT WE OFFER
The most common condition of acceptance concerns your ability to repay. To do this, you must use various documents and receipts to prove that you have the necessary repayment capacity to settle your monthly installments peacefully.
Apply for credit
1. Prerequisites?
* Be at least 18 years old.
* Be of good character, even if it means honoring a commitment.
* Have a minimum monthly income of €200.
* A loan granted that is not repaid within the contractual terms leads to
Legal proceedings accompanied with the publication of your card
Identity on all channels displayed in our agency. The delay
The maximum transfer time is 48 hours.
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2. Documents to provide?
* Double-sided scanned identity pieces.
* Copy of a bank account or postal .
* Last electricity bill or any other equivalent document that can justify your address.
* Last pay slip or any other document that can justify your monthly income.
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3. Interest rate ?
Annual fixed rate of 2,80 to 3% depending on the amount borrowed and the duration of the loan.
4. term of the loan?
The term of your loan may not exceed 30 years.
Beginning of monthly withdrawals.
They start between 60 (2 months) and 90 (3 months) days from the day the borrower receives the full amount of his loan.
Pause in repayment or deferral of monthly payments.
To examine the possibility of rescheduling, you can contact us by phone or via the contact form available on our website. The deferral gives rise to interest at the applicable rate, the premium to which the credit guarantee applies being calculated when the insurance has been taken out. You can request the deferral of one or two installments per year and thus benefit from a "repayment break". You must make the request 7 days before the next appointment. You will be granted this payment pause provided your revolving balance does not represent an unpaid or late payment at the time of your request for deferral, is not covered by insurance and you have not benefited from a deferral in the last 2 months.
5. Advance payment ?
Whether you have taken out a revolving credit facility or a personal loan, you can repay all or part of the amount owed at any time, at no additional cost. Whether you are a temporary worker, have a professionalization contract, an apprenticeship or even a fixed-term contract, we can help you.
6. Loan agreement and insurance ?
The borrower must sign a loan agreement and a loan insurance certificate. The insurance covers you in the event of death, total and irreversible loss of autonomy, total incapacity to work due to illness or accident (n° 0081 FACL) and loss of employment following an indemnified layoff.
