The Financea personal loan allows you to freely borrow the amount you need for a specific project or multiple expenses at once. You set the amount and the duration, and you repay in constant monthly installments, with a fixed rate known in advance.
No proof of purchase: you use the funds as you wish.
Your monthly payment remains identical from the first to the last month.
An initial online assessment, before the final review of your file.
Also known as a consumer loan, a personal loan is a non-allocated credit. Unlike an allocated credit, which finances a specific item and requires a quote or invoice, the borrowed sum is deposited into your bank account and remains free for you to use. It is the most flexible solution when your project budget is not fixed, or when you wish to finance several expenses with a single contract and a single monthly payment.
The borrowed amount and the repayment term are decided at the time of the request. The longer the term, the lower the monthly payment—but the total cost of the credit increases. Our simulator allows you to compare several combinations before committing, to find the balance that truly respects your budget.
Your monthly payment consists of the borrowed capital, interest calculated at the contract's fixed rate, and, if you subscribe to it, optional borrower's insurance. The Annual Percentage Rate (APR) reflects the total cost of your credit: it includes the nominal rate, any application fees, and the cost of insurance. Always compare offers based on the APR, not just the interest rate.
A personal loan adapts to all life situations. It finances renovation work as well as the purchase of a vehicle, professional equipment, a wedding, a trip, or school expenses. It can also complement a personal contribution. In all cases, the process remains the same and the funds are paid out in a single installment.
Subscribing to a personal loan gives you a 14-day cooling-off period from the date of signing the contract. You may also repay your credit in advance, in full or in part, under the conditions set out in the contract. These provisions give you control over your financing, from the first to the last day.
We work with complete transparency: terms are announced before commitment, with no hidden fees, and an advisor follows your file until the last installment is repaid. Our requirement is simple: to offer you financing that is truly compatible with your repayment capacity, and to tell you clearly when it is not.
| Borrowed amount | Duration | Indicative monthly payment |
|---|---|---|
| €5,000 | 36 months | ≈ €154 |
| €8,000 | 48 months | ≈ €190 |
| €12,000 | 60 months | ≈ €240 |
| €15,000 | 72 months | ≈ €275 |
Non-contractual examples, excluding insurance, provided for indicative purposes based on a fixed rate of 5.90%. The total cost depends on the amount, duration, and your profile.
How it works
Estimate your monthly payment in seconds with our simulator, with no obligation and no registration required.
Enter your situation and contact details in a secure, fully online form.
Upload your supporting documents from your portal: ID, proof of address, and proof of income.
An advisor reviews your file, communicates the decision to you, 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 simulation until the final euro is repaid.
Application, document submission, and electronic signature from your client portal.
Frequently asked questions
The amount depends on your situation and repayment capacity. It is reviewed on a case-by-case basis, based on your income, expenses, and current loans. Our simulator gives you an initial estimate in a few seconds.
A loan is a commitment and must be repaid. Check your repayment capacity before you commit. No payment of any kind may be required from an individual before obtaining one or more loans.