Revolving Credit and Flexible Credit Reserve
Permanent money reserve available at any time with our specialized revolving credit. Maximum flexibility and complete freedom of use guaranteed for financial security.
What Is A Revolving Credit?
Revolving credit, also called revolving credit line or permanent credit reserve, puts at your disposal a flexible money reserve that you can use at any time completely according to your personal needs without any justification or explanation required for financial freedom.
As you make regular repayments, your available reserve is automatically continuously replenished. You only pay interest exclusively on the amounts actually effectively used, not on the entire available credit line for optimal cost control.
Main Features of Revolving Credit
Financing Amount
Credit Reserve From 500€ Up to 15,000€
Flexibly Adjustable Reserve as Needed
Repayment Duration
Permanently Available Duration
Automatically Renewable Each Year
Annual Percentage Rate
From 2.5% Competitive Annual Percentage Rate*
Only Applicable on Actually Used Amounts
Credit Guarantee
No Material Guarantee Required
On Personal Signature Only
Essential Advantages of Revolving Credit
- Immediate Permanent Availability: : Financial funds accessible anytime 24/7 by bank card or instant transfer
- Automatic Intelligent Replenishment: : Available reserve automatically progressively replenishes with your regular repayments
- No Interest if Unused: : Absolutely no costs or fees as long as you don't actively use the available reserve
- Maximum Flexible Repayment: : Low affordable minimum amount, early full repayment possible anytime without penalty
- Dedicated Credit Card Included: : Convenient practical use via associated specialized bank card with worldwide acceptance
Qualification Conditions and Responsible Usage Criteria
Required Eligibility Conditions
- Be of legal age and lawfully reside in France or Germany
- Demonstrate regular stable income
- Not be in a situation of over-indebtedness without payment arrears
- No active banking prohibition or FICP registration
Recommended Responsible Usage Criteria
- Responsible prudent use strongly recommended for financial health
- Avoid impulse purchases and unplanned expenses
- Plan a realistic structured repayment schedule in advance
- Regularly actively monitor available balance and usage
Complete List of Required Supporting Documents
Official Identity Documents
- Valid identity card or passport (both sides)
- Recent proof of residence less than 3 months old
- Bank account details RIB for transfers
Detailed Income Documents
- Last 3 consecutive pay slips
- Latest complete tax notice
- Employer certificate if specifically necessary
Complete Banking Information
- Recent bank statements from last 3 months
- Detailed documents for all other current credits
- Complete personal asset declaration
A credit commits you and must be repaid. Carefully check your repayment capacity before committing yourself.
Important Legal Information and Contractual Terms
- *Annual Percentage Rate (APR): Representative example: for a credit reserve of €3,000 used permanently at an Annual Percentage Rate of 6.9%, with a monthly repayment of €90, the total repayment period is 40 months for a total credit cost of €597 including interest.
- Responsible Usage: Important warning, do not use this revolving credit for recurring current everyday expenses or permanent financing.
- Repayment Terms: Mandatory minimum monthly payment of at least 3% of capital used or €15 minimum required.
- Annual Renewal: Automatic annual review of your financial situation and renewal subject to specific conditions.
- Termination Right: Termination possible at any time without penalty, complete repayment of outstanding balance required.
Build Your Permanent Financial Reserve
Have a Highly Flexible Financing Solution with Our Revolving Credit