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Transparency is at the heart of our approach. Find all the answers regarding our processes, rates, and security protocols.

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How long does it really take to get the funds in my account after applying?

Our Open Banking technology allows us to analyze your creditworthiness instantly. Once your file is electronically signed, the principle agreement is validated within minutes. The SEPA transfer is then triggered, and the funds appear in your bank account within 24 à 48 heures ouvrées, without any physical intermediary to slow down the process.

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Access to our loans is open to any adult legally residing in the EU. We analyze creditworthiness based on regular income, whether you are an employee, self-employed, or retired.

We eliminate physical intermediaries and administrative burdens. The result: competitive rates, immediate response, and record-breaking fund release. Our proprietary algorithm is designed to be fair and fast.

Yes, provided that your overall repayment capacity remains in compliance with European debt-to-income standards (generally 33% of your net income).

To ensure speed, we request only the essentials via our secure interface: ID, proof of address, and bank details (IBAN). No unnecessary paperwork.

Absolutely. In accordance with European legislation, you have a legal withdrawal period of 14 calendar days from the date of signing your credit agreement.

Yes. Our "Business Pulse" offer finances your working capital needs or equipment based on your business plan, even if your company is less than 3 years old.

Yes, we offer a "Full Grace Period": repayment of both principal and interest only begins after you enter the workforce (up to 60 months of deferral).

Yes, for the acquisition of primary or secondary residences, or buy-to-let investments, with rates aligned with the top of the European market.

No. All our contracts feature a fixed Annual Percentage Rate (APR). Your monthly payments are locked in upon signing and remain the same throughout the term.

We offer total flexibility: for any consumer loan, you can repay all or part of your credit early without any financial penalties.

We apply military-grade AES-256 bit encryption. Your data is stored on highly secure European servers, in full compliance with GDPR.

For small personal loans, it is optional but recommended. For larger loans (mortgages, business loans), it is generally required for your own protection.