Personal loan online

A personal loan is an instalment loan: you borrow a fixed sum, which you repay in constant monthly instalments over a set term at a fixed rate. You can use it freely, without having to justify your purchase.

Each application is assessed individually, based on your situation and your repayment capacity. The simulation, however, is free and non-binding: it lets you see what is possible before you decide.

With a fixed rate, your monthly instalment, term and total cost are known from the start. Your budget stays predictable, whatever happens to market rates.

You choose a term of 12 to 180 months for an amount of €3,000 to €75,000. A shorter term reduces the total cost, a longer term lowers the monthly instalment: the simulator helps you find the right balance.

Once your application has been given final approval, the money is paid into the bank account you have specified.

You choose the direct debit date when you apply. If your situation changes later, go to the Contact us page: an adviser will review your request for a change.

It is an immediate answer, given on the basis of the information you have entered. It quickly tells you that your project can be assessed, and becomes final once your agreement is signed and your supporting documents have been received and checked.

A Finanbex personal loan application is made individually, entirely online. You enter your situation and income, and we assess your application on that basis.

Choose your amount and monthly instalment in the simulator at the top of the page: the instalment, term, APR and total amount to repay are displayed immediately. You can also use the credit simulator. The simulation is free and non-binding.

You can borrow from €3,000 to €75,000, repayable over 12 to 180 months. The amount and term granted depend on your project and your repayment capacity: the simulation tells you your monthly instalment straight away.

As soon as you have completed your application online, you receive an immediate preliminary decision. The final decision follows once your supporting documents have been reviewed.

An instalment loan is for a fixed sum, paid out in one go and repaid in constant monthly instalments. Revolving credit is a cash reserve that builds back up as you repay: you can draw on it again according to your needs. Discover our cash reserve.

Yes, your application is assessed taking into account your overall situation and commitments. If you have several credits, credit consolidation can combine them into a single monthly instalment.

A personal loan can be used freely, with no proof of use required: you do not have to detail how the money is used. As with any application, approval depends on your situation and your repayment capacity.

It is a document (invoice, quote, etc.) that proves how the borrowed money was used. A personal loan does not require one: the money is at your free disposal.