Credit finally simplified

We have reinvented financing to make it accessible to everyone: employees, business owners, pensioners, and the unemployed. Discover how we finance your projects without the usual banking barriers.

Why don't we ask for payslips?

A modern vision of credit, based on trust and the analysis of real data, not on paperwork from the past.

In the traditional banking system, your past determines your future. If you don't have a permanent contract or regular payslips, access to credit is often blocked. With us, the approach is radically different.

We believe your current professional situation should not be an obstacle. We use a credit scoring algorithm based on your actual repayment capacity and reliability. Whether it comes from a pension, benefits, self-employment, or a salary, what matters to us is the balance of your budget. That's why our form focuses on the essentials, without demanding unnecessary paperwork.

The Online Quote

It all starts with your need. Use our interactive calculator tool to define the exact amount you need and the repayment term that fits your monthly budget.

Our rate is fixed (3.00%). This means the monthly payment shown during the quote will be exactly what you pay. No nasty surprises, no hidden costs added later. This step is free and no obligation.

Immediate result
Guaranteed fixed rate

The Simplified Form

Once your quote is validated, you access our secure form. This is where our difference stands out: we don't ask you to scan dozens of documents proving income.

You simply need to provide your identity and contact details. This information allows us to draw up your legal loan agreement. If you are unemployed, retired, or an agency worker, simply check the corresponding box without fear of automatic rejection.

"I was surprised I didn't have to send my payslips. The form took 5 minutes." — Thomas D.

Signature and Transfer

After validation of your details, you will receive your loan agreement by email. You sign it electronically using a secure code sent by SMS. It is simple, legal, and instant.

As soon as the signature is registered, our finance department activates the transfer of funds to the bank account you provided. Funds are usually visible in your account within 24 to 48 working hours, depending on your own bank's processing times.

Start my application

Estimate your borrowing capacity

Use our tool to define the ideal monthly payment adapted to your budget. Everything is transparent: the rate is fixed and the fees are €0.

Configure your need

I want to borrow

Over a term of

Months

12 Months 60 Months 120 Months

The Annual Percentage Rate (APR) is fixed at 3.00%.
This rate is guaranteed for the entire duration of your loan, whatever the amount.

Your result

Fixed monthly payment

Without optional insurance

Requested amount

Total interest

Total to repay

Proceed with this offer

Non-contractual quote. A loan is a commitment and must be repaid.

Prepare your file

To validate your financing, we will only need to verify your identity and your bank details for the transfer. No useless paperwork.

1. Proof of Identity

Valid ID card or Passport. This allows us to confirm that it is you making the application.

2. Proof of Address

An electricity, gas, water, or phone bill less than 3 months old. Document required by law to validate your address.

3. Account Number (IBAN)

Your IBAN is essential so that we can transfer the funds to your account once the contract is signed.

FAQ

Yes, totally. We do not discriminate based on professional status. Whether you are unemployed, receiving benefits, an agency worker, or retired, your file is studied with the same attention. We look at your ability to manage a budget rather than the source of your income.

Absolutely. We do not ask for payslips or tax returns for standard amounts. Only a proof of identity, a proof of address, and an account number are required to create the legal file.

The account number has a double purpose: it allows us to know which account to transfer the funds to once the loan is accepted, and it serves to set up the Direct Debit for the repayment of monthly instalments.

Once the contract is signed electronically, our accounting department validates the transfer within 24 hours. Then, depending on interbank processing times (weekends and bank holidays excluded), the money is visible in your account within 24 to 48 hours.

No, never. We offer a guaranteed fixed rate. The monthly payment indicated in your contract will remain strictly the same from the first to the last month of repayment.

Yes, in accordance with the law, you can fully or partially repay your loan at any time. With us, no early repayment fee applies.

Security is our priority. Our site uses 256-bit SSL encryption (the same as major banks). Your documents are stored on secure servers in Europe and are never resold to third parties.

Our customer service is available to help you. You can contact us via the contact form on the website or by email. You will receive a reply within a few hours.

Don't let your projects wait

Join the thousands of customers who have obtained their financing without the usual limitations. Immediate answer guaranteed.

Apply for my funding

Free - No obligation - Secure