* Be at least 18 years old.
* Be of good character and willing to honour a commitment.
* Have a minimum monthly income of 500.
* A loan granted and not repaid within the contractual period will result in legal proceedings and the publication of your identity card on all the channels that are displayed at our agency. The transfer time is 48 hours at most.

Documents to be provided

* Scanned identification documents on both sides.
* Copy of a bank statement (RIB) or postal statement (RIP).
* Last electricity bill or any other equivalent document proving your address.
* Last pay slip or any other document proving your monthly income.

Interest rates.

Annual interest rate ranging from 2% to 6% depending on the amount requested and the repayment period, no administration fees.

Duration of the loan.

The term of your loan cannot exceed 30 years.

Start of monthly direct debits.

To discuss the possibility of deferring a due date, you can contact us by telephone or via the contact form on our website. The deferral will generate interest at the current rate, and the premium for the credit guarantee will be calculated if the insurance has been taken out. You can request the deferral of one or two instalments per year and thus benefit from a “repayment break”. You must make the request 7 days before the next due date. This payment break will be granted to you provided that at the time of your request for deferment, your revolving credit is not outstanding or in arrears, is not covered by the insurance and that you have not benefited from a deferment in the previous 2 months.

Early repayment.

Whether you have taken out a revolving credit or a personal loan, you can repay all or part of the amount you still owe at any time and at no extra cost. Whether you are a temporary worker, on a training or apprenticeship contract or even on 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 to work due to illness or accident (n°0081 FACL), and loss of employment following a compensated dismissal.