Our Credit Offers and Financing Solutions

Financeable Amount and Credit Capital : From 50,000 Euros to 1,000,000 Euros to finance your primary residence, secondary home or rental investment property with the best market conditions available.

Repayment Period and Credit Term : Spread your repayments flexibly over 5 to 30 years according to your financial capacity, your real estate project and your investment strategy.

Down Payment and Personal Financing Contribution : A minimum down payment of 10% of the property price is required, including notary fees, bank guarantees and associated acquisition costs.

Borrower Insurance and Repayment Protection : Complete mandatory insurance coverage included for death, total and permanent disability and work incapacity during the repayment of your mortgage loan.

Available Credit Line and Financing Amount : Between 20,000 Euros and 500,000 Euros using optimally your real estate property as mortgage guarantee for versatile financing of your projects.

Flexible Term Adaptable to Financial Situation : Repayment over 5 to 25 years optimally adapted to your financial situation, your personal or professional objectives and your investment strategy.

Mortgage Guarantee on Real Estate Assets : Your existing property serves as solid main guarantee and allows you preferential interest rates and significant financing amounts under secure conditions.

Free Use Without Proof Required : No proof of use required - free use for real estate investments, renovation works, debt consolidation or any other personal or professional project.

Renovation Financing and Construction Works : From 1,000 Euros to 150,000 Euros for all your renovation, transformation, extension and general home improvement projects with customized financing.

Adaptable Duration According to Repayment Capacity : Flexible repayment from 6 months to 15 years according to the scope of your works, your available budget and the nature of improvements to be made.

No Personal Guarantee Required : Renovation credit without required mortgage or additional guarantee, based exclusively on your proven repayment capacity and income stability.

Progressive Release According to Project Progress : Funds are released progressively and fractionally according to the actual progress of your renovation works and upon presentation of invoices.

Eco-Responsible Amount for Environmental Projects : Between 500 Euros and 75,000 Euros to modernize, insulate, renew heating and comprehensively improve the energy efficiency of your main or secondary residence.

Flexible Term Adaptable to Financial Situation : Spread your comfortable payments over 6 months to 10 years according to your available monthly budget and the nature of energy improvements to be made.

Eco-PTZ Compatible for Energy Transition Projects : Fully combinable with the government zero-interest eco-loan (Eco-PTZ) to maximize your total financing for energy renovation projects.

Tax Advantages and Fiscal Benefits Available : Benefit from available tax credits and government grants for the energy transition, thermal insulation and renewable energy of your home.

Major Financing for Significant Investments : From 50,000 Euros to 2,000,000 Euros to fully facilitate the purchase of your new property before the final completion of the sale of your current property.

Temporary Short-Term Financing Solution : Time-limited transition credit of 6 to 24 months until successful completion of the sale of your current property and complete capital repayment.

Bullet Repayment at End of Term : You only pay monthly interest during the entire credit period, the total capital is repaid in one lump sum upon the sale of your current property.

Guarantee on Property to be Sold : Your current home for sale serves as solid main guarantee to fully secure the temporary bridging financing without additional guarantee.

Specialized Vehicle Financing Auto and Mobility : From 5,000 Euros to 100,000 Euros for purchasing your new or used car, motorcycle, motorhome or any other vehicle with the best market conditions.

Term Adapted to Your Project : Flexible repayment over 12 to 96 months according to your available monthly budget, the total value of the chosen vehicle and your personal preferences.

Complete Financing Up to 100% Possible : Possibility of complete financing up to 100% of the total purchase price including accessories, equipment, insurance and optional warranty extension.

New and Used Vehicles All Brands : Complete comprehensive solution for all vehicle types and brands with professional trade-in service for your current vehicle included.

Rental with Purchase Option and Leasing Financing : From 10,000 Euros to 80,000 Euros to drive a brand new state-of-the-art vehicle without initial purchase obligation with maximum usage flexibility.

Flexible Credit Contract with Adjustment Options : Flexible contract term of 24 to 60 months with significantly reduced monthly payments compared to a classic auto loan and adapted final payment.

Without Down Payment Possible Under Conditions : Possibility to start your vehicle leasing with 0 Euros down payment, according to your creditworthiness, your professional profile and the value of the chosen vehicle.

Final Double Option Purchase or Return : At the end of the leasing contract complete freedom to choose: purchase the vehicle at the predetermined residual value or return it in perfect condition without obligation.

Credit Without Proof of Use Required : From 1,000 Euros to 75,000 Euros for flexible financing of all your personal life projects, wishes and daily needs, without being required to prove the use of received funds.

Flexible Repayment with Modulation Option : Spread your comfortable repayments over 12 to 84 months flexibly according to your personal financial capacity, your monthly possibilities and your individual preferences.

No Proof of Use Required Maximum Flexibility : Maximum procedural simplicity - only your proven repayment capacity and income stability are evaluated, without proof of fund use.

Quick Fund Release Within 48 Hours : Quick decision in principle in 24h and immediate availability of approved funds after complete acceptance of your credit file and contract signature.

Equipment Financing Professional and Personal : From 500 Euros to 35,000 Euros for purchasing equipment, appliances, IT, furniture and all everyday consumer products.

Modular Duration with Adjustment Possibilities : Flexible repayment over 6 to 60 months optimally adapted to the type of purchase made, your financial possibilities and your available monthly budget.

Specialized Use for Specific Project : Specialized credit for home equipment, major appliances, IT equipment, furniture, garden furniture and home furnishings.

Extensive Professional Network of Partners : Over 500 partner stores and specialized outlets for exclusive offers, special promotions and maximum payment comfort in your purchases.

Travel Financing and International Stays : From 500 Euros to 25,000 Euros to realize all your projects for vacation, getaways, tourist discoveries and trips around the world.

Staggered Repayment Over Extended Periods : Enjoy peacefully your well-deserved vacation and pay back comfortably over 6 to 60 months flexibly according to your financial possibilities and budget.

Travel Insurance Automatically Included : Complete protection with comprehensive cancellation insurance, medical repatriation, luggage insurance and 24h/24-7d/7 assistance during all your trips.

Agency Partnerships and Dealer Cooperations : Benefit from exclusive preferential offers, special conditions and discounts at our partner travel agencies and tour operators worldwide.

Optimal Debt Consolidation and Refinancing : From 3,000 Euros to 200,000 Euros to consolidate all your current consumer credits, mortgage loans and various debts into a single simplified monthly payment.

Extended Term Up to 30 Years Possible : Spread your total repayments flexibly over 12 to 180 months to significantly reduce your monthly charges and facilitate your household management.

Significant Savings Through Consolidation : Possible reduction of your total monthly payments up to 60% through global renegotiation of your interest rates and significant term extension.

Additional Liquidity for Your Projects : Possibility to add additional liquidity for financing new personal or professional projects without proof of use.

Available Credit Reserve and Liquidity Reserve : From 500 Euros to 6,000 Euros permanent liquidity available, which automatically and proportionally regenerates with your monthly repayments for maximum flexibility.

Automatic Credit Line Renewal : The more you repay your credit, the more your available credit line automatically renews for new purchases, emergencies or unexpected expenses.

Completely Free Use Without Restrictions : No purchase justification or proof of use required, use completely freely your available reserve when you want, how you want, for what you want.

Multiple Access to Available Funds : Immediately available by credit card, bank transfer or check for maximum flexibility and practical daily access.

Business Financing and Commercial Investments : From 5,000 Euros to 500,000 Euros to fully support the development of your professional activity, your business investments and your working capital needs.

Duration Adapted to Business Cycles : Flexible repayment over 12 to 84 months optimally adapted to your economic cycles, your company's profitability and your liquidity needs.

Versatile Use for Various Purposes : Versatile financing of professional equipment, commercial vehicles, working capital, liquidity needs, business development and diversification.

All Business Sectors and Economic Activities : Customized solutions adapted to craftsmen, merchants, liberal professions, SMEs from all sectors and all business activities.

Study Financing and Academic Education : From 1,000 Euros to 60,000 Euros for complete financing of your higher education, university tuition fees, housing, student living costs and international mobility.

Staggered Repayment Over Extended Periods : Flexible term from 12 months to 10 years to optimally adapt to your future professional situation, your career and your income after graduation.

Deferred Repayment During Project Phase : Possibility of total repayment deferral up to 7 years during the entire duration of your higher education and until professional integration.

Parental Guarantee and Family Security : Loan security through parental guarantee, legal guardians or government guarantee for the best interest rate conditions.

Small Amounts for Daily Needs : From 100 Euros to 5,000 Euros to finance your small local projects, essential daily needs, emergencies and social or professional integration initiatives.

Short Term for Quick Repayment : Quick and adapted repayment over 6 to 48 months to avoid long-term excessive debt and quickly regain your financial autonomy.

Simplified Access and Approval Conditions : Simplified procedure with reduced requirements and acceptance criteria adapted to special situations, modest incomes and precarious profiles.

Financial Inclusion for All Customer Profiles : Solution accessible to all profiles, even in precarious situations, banking exclusion or fragile financial situation.