Questions fréquemment posées

Most applications receive a decision within 24–48 business hours. Emergency loans can be approved within 2–4 hours.

A valid government-issued ID, 3 months bank statements, recent payslips or proof of income, and proof of address (utility bill or similar).

We assess applications holistically — income stability, employment history, and repayment capacity all matter. There is no fixed minimum score.

Yes. Early repayment is permitted at any time without penalty on most products. Check your specific loan agreement for any applicable fees.

Rates are personalised based on loan amount, term, employment type, and credit profile. Representative APRs range from 3.9% to 29.9%.

All data is encrypted with 256-bit TLS and stored in EU-based data centres, fully compliant with GDPR. We never sell your personal information.

A late payment fee applies after the grace period. Please contact us proactively — our team works with you on a solution before escalating.

Existing customers in good standing may apply for a top-up or second product after a minimum of 3 consecutive on-time payments.

Log into your borrower portal at any time to view real-time status, messages from your loan officer, uploaded documents, and your repayment schedule.

Personal loans up to €50,000. Business loans up to €500,000. Mortgage and larger commercial amounts are assessed individually.