We believe in providing accessible and responsible credit solutions tailored to your needs. See if you meet our straightforward eligibility criteria:
Eligibility Requirements:
- Age: You must be at least 18 years of age.
- Character: We value your commitment, which is reflected in your willingness to honor your financial obligations.
- Minimum Income: You should have a verifiable minimum monthly income of $500.
Important Information Regarding Loan Repayment:
We are committed to responsible lending. Please be aware that failure to repay your loan within the agreed-upon contract terms will result in legal proceedings. Furthermore, to ensure transparency and accountability, the identity associated with your loan may be published through channels visible at our agency.
Fast Funds Transfer:
Upon approval, expect your funds to be transferred to you within a maximum of 48 hours.
Required Documents:
To process your application efficiently, please provide the following:
- Clear, duplex (front and back) scanned copies of your government-issued identity documents.
- A copy of your bank (RIB) or postal (RIP) identity statement.
- Your most recent electricity bill or any equivalent official document confirming your current address.
- Your latest salary slip or any other official documentation verifying your consistent monthly income.
Competitive Interest Rates:
Benefit from our transparent and competitive Annual Percentage Rate (APR), ranging from 2% to 6% depending on the loan amount and repayment duration. We have no hidden administrative fees.
Flexible Loan Duration:
Choose a repayment period that suits your financial situation, with terms extending up to a maximum of 30 years.
Convenient Monthly Withdrawal Start:
Your first monthly repayment will commence between 60 (2 months) and 90 (3 months) from the date you receive the full loan amount, giving you time to plan.
Manage Your Repayments with Flexibility:
We understand that unforeseen circumstances can arise. You can explore options for a repayment pause or postponement of monthly payments by contacting us via phone or the contact form on our website. Please note the following conditions:
- Deferred payments will accrue interest at the prevailing rate.
- If a credit guarantee was purchased, the premium will be calculated for the deferral period.
- You may request a postponement for one or two payments per year, providing a temporary “repayment break.”
- Your application for postponement must be submitted at least 7 days before the next scheduled payment date.
- This payment suspension will be granted provided that, at the time of your request, your revolving credit is current (not unpaid or late), is not covered by insurance, and has not been granted a postponement within the preceding 2 months.
No Penalties for Early Repayment:
Whether you have a revolving loan or a personal loan, you have the freedom to repay the outstanding amount, in full or in part, at any time without incurring any additional fees.
We Consider Various Employment Situations:
We are committed to helping a diverse range of individuals. Whether you have a temporary contract, a professional contract, an apprenticeship, or even a fixed-term contract, we encourage you to apply.
Comprehensive Loan and Insurance Contract:
As part of the agreement, you will be required to sign a loan contract and a credit insurance certificate. This insurance provides valuable coverage in the event of death, total and irreversible loss of autonomy, total inability to work due to illness or accident (policy n° 0081 FACL), and job loss due to compensated dismissal.
