The Financea revolving credit provides you with a reserve of money that you use when you need it, in one or more installments. You only pay interest on the amounts actually used, and your reserve is replenished as you make repayments.
Use all or part of your reserve, whenever it suits you.
No interest on the portion of the reserve you do not use.
Each repayment reloads your reserve, with no new steps required.
When your contract is set up, we grant you a reserve of a determined amount, for example €3,000. You can use it in full, in small amounts, or not at all. The amounts used are repaid in monthly installments, and each repayment frees up available funds in your reserve again. This circular mechanism distinguishes revolving credit from a personal loan, where the sum is paid out once and for all.
This is the structural advantage of revolving credit. As long as you do not use your reserve, it costs you nothing. When you draw from it, interest is calculated on the amount used and the actual duration of its repayment—not on the granted limit. Financing an €800 purchase therefore only costs the interest on that €800.
Each use results in a repayment schedule. Depending on your contract, you can repay in fixed monthly installments over a set period, or opt for more flexible repayment based on your balance. A partial early repayment reduces future interest accordingly and immediately replenishes your available balance.
Revolving credit is well-suited for everyday expenses and unforeseen events, where a personal loan would be disproportionate or too slow to set up.
Revolving credit remains a loan: it is a commitment and must be repaid. The reserve replenishes itself, which can create the impression of an expandable budget—it is therefore recommended to set a usage limit yourself and stick to it. You have a 14-day cooling-off period and can, at any time, repay early or request a reduction in your reserve limit.
| Reserve granted | Usage | Interest cost |
|---|---|---|
| €1,500 | Not used | €0 |
| €3,000 | €800 repaid over 12 months | On €800 only |
| €5,000 | €2,000 repaid over 24 months | On €2,000 only |
Principle illustration: interest only applies to amounts actually used and the duration of their use.
How it works
Estimate your monthly payment in seconds with our simulator, with no commitment and no registration required.
Provide your details and situation in a secure, entirely online form.
Upload your supporting documents from your personal area: ID, proof of address, and proof of income.
An advisor reviews your file, provides the decision, and you sign your contract electronically.
Rates, total cost, and monthly payments clearly stated before any commitment, with no hidden fees.
A single point of contact follows you from the simulation to the repayment of the last euro.
Application, document submission, and electronic signature from your client area.
Frequently asked questions
A personal loan provides a defined amount in one go, repaid through constant monthly payments. Revolving credit provides a reserve that you use at your own pace, which replenishes with each repayment.
Credit commits you and must be repaid. Check your repayment capacity before committing. No payment of any kind can be required from an individual before obtaining one or more loans.