Frequently asked questions

No. Every file is reviewed according to submitted information, requested documents and your overall financial situation.

No. It is indicative and is not a firm credit offer.

The timeframe depends on file completeness, country and loan type.

Yes. Forms use CSRF, server validation, secure connection and consent logging.

Identity, income, address or expense documents may be requested depending on your situation.

Yes, subject to applicable local conditions and file review.

Contract type, stability and income regularity help understand repayment capacity. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Declared income is compared with the requested amount, duration and recurring expenses. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Expenses help avoid an indicative payment disconnected from the real budget. This check remains proportionate to the requested loan type and never constitutes automatic approval.

The country may influence requested documents, local rules and contact method. This check remains proportionate to the requested loan type and never constitutes automatic approval.

The simulator applies a fixed indicative 3% rate to keep the estimate readable. This check remains proportionate to the requested loan type and never constitutes automatic approval.

A long duration often lowers the indicative payment but increases estimated total cost. This check remains proportionate to the requested loan type and never constitutes automatic approval.

High amounts generally require more documents and stronger budget review. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Documents confirm identity, income, address and useful financial information. This check remains proportionate to the requested loan type and never constitutes automatic approval.

If items are incomplete, an adviser may request details before continuing. This check remains proportionate to the requested loan type and never constitutes automatic approval.

A favourable next step may depend on extra documents, guarantees or adjustments. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Refusal may occur if project, budget or documents do not allow a responsible next step. This check remains proportionate to the requested loan type and never constitutes automatic approval.

It remains optional and separate from consent required to review the request. This check remains proportionate to the requested loan type and never constitutes automatic approval.

They should only activate after consent, separately from essential cookies. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Vehicle, price, condition and possible deposit may be useful for review. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Quotes, schedule, energy goal or home improvement details can clarify the need. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Activity, financing purpose and business income stability are important. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Existing loans, balances, payments and budget goals should be detailed. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Simulator values help entry but can be corrected before submission. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Data should be retained according to purpose and applicable obligations. This check remains proportionate to the requested loan type and never constitutes automatic approval.

An adviser may contact you to verify information or request details. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Fees should be readable before any decision and included in total indicative cost. This check remains proportionate to the requested loan type and never constitutes automatic approval.

You can adjust the amount before sending if the estimate does not match the project. This check remains proportionate to the requested loan type and never constitutes automatic approval.

Changing duration changes the indicative payment and estimated total cost. This check remains proportionate to the requested loan type and never constitutes automatic approval.

It confirms receipt of information but is not credit approval. This check remains proportionate to the requested loan type and never constitutes automatic approval.