Make a trip, plan a move, equip the house: with the Personal Loan, you quickly and easily realize projects that are close to your heart. You borrow according to your needs up to $ 25,000 over a period of 1 to 7 years (1).
You benefit from flexible maturities: you can vary your monthly payments upwards as (2) to adjust your repayments to changes in your budget. For maximum flexibility, you can opt for a total or partial deferral of up to 3 months.
For a personal loan application of $ 10,000 over 36 months, at a fixed rate of 3.70%, you pay 36 monthly payments of $ 293.91 (excluding optional insurance) for a total cost of $ 680.76, of which 100 $ Of application fees, ie a fixed APR of 4.46%.
The monthly cost of optional insurance (3) (death, total and irreversible loss of autonomy) is $ 4.33 (for a 36-year borrower) and is added to the monthly credit. Applied insurance rate: 0.52% on initial capital. Conditions in force on 01/07/2016 (1) (3). A credit commits you and must be repaid. Check your repayment capacity before you commit.
- Be at least 18 years old.
- Be of good character and honor a commitment.
- Have a minimum monthly income source of 500 €.
- A loan granted unrefunded within the contract period.Legal proceedings accompanied by the publication of your identity on all the channels that are displayed at our agency. The time limit of transfer shall not exceed 48 hours.
- Double-sided scanned ID parts.
- Copy of bank statement (RIB) or postal (RIP).
- Last electricity bill or any equivalent document that can justify your address.
- Last pay slip or any other document that can justify your monthly income.
TEG varies from 2% to 6% depending on the amount requested and the duration of repayment.
The duration of your loan can not exceed 30 years.
They start 180 days (6 months) from the day the borrower receives the full amount of his loan.
To consider 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.
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.
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.
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