Online application
You complete the request and sign the contract from a computer, phone or tablet, with no unnecessary travel.
Credit application
Your credit application, clear from the very first look.
Estimate your needs, complete your file and receive an acknowledgment by email.
No file fee shownOnline processFile reference
A loan commits you and must be repaid. Check your repayment capacity before committing.
Your file
3 simple steps
01
Define your project
Specify your loan amount and term
02
Complete the application
Fill out your file with the useful information
03
Get confirmation
Receive an acknowledgment by email
Key markers
A journey designed to get to the point
The information is structured around the useful points of the file, the projects you can finance and the main journey steps.
Readable framework
The flow presents the useful information in a clear and structured way.
Data protection
Personal information is handled within a reinforced security framework and used to follow up the file.
Your projects deserve the right financing
Your projects deserve the right financing
Consumer credit adapts to many everyday needs. These are the uses most often mentioned by borrowers.
Personal loan
Finance projects freely without justifying the use of the funds.
Car loan
Prepare a new or used vehicle purchase with a readable frame.
Home improvement loan
Renovate, upgrade or maintain your home with the right term.
Green loan
Support a more responsible transition with flexible financing.
Motorcycle loan
Make your two-wheel purchase happen with a controlled budget.
Mini loan
Cover an unexpected expense within a clear framework.
Benefits
What the journey highlights
Consumer credit can finance many needs, with or without a specific purchase attached. The key is to keep a monthly payment that fits your budget and check the total cost before you sign.
01
Simplicity
The file is completed without detours and with the information needed to process it.
02
Online journey
The main steps happen online, with e-signature and paperless upload.
03
Clarity
Application, review and follow-up are presented in a structured journey.
04
Security
Information is handled carefully before, during and after submission.
05
Stability
The framework stays readable with fixed repayments, amortising credit and a fixed rate.
Understanding consumer credit
Understanding consumer credit
Consumer credit can finance many needs, with or without a specific purchase attached. The key is to keep a monthly payment that fits your budget and check the total cost before you sign.
- A personal loan is usually the most flexible product for non-property projects.
- Revolving credit is more flexible but requires more caution.
- APR is the best indicator when comparing offers.
- The file is reviewed based on repayment capacity and remaining income.
Frequently asked questions
Useful points before you commit
What is consumer credit?
It is a loan used to finance goods or life projects outside real estate, repaid in monthly instalments over a fixed term.
Do I need to justify how the funds will be used?
Not always. Depending on the product, you may be able to finance your projects freely without invoices or quotes.
Which documents are usually requested?
Identity documents, recent proof of address and a bank account statement are among the most common items.
How should I compare offers properly?
The most useful comparison points are APR, term, any fees and the impact of the monthly instalment on your budget.
Your consumer credit with instantsfund
OnlineYour credit features
A car need, equipment purchase, home improvement or everyday expense does not always wait. The digital platform focuses on a clear framework, readable steps and alignment with your budget.
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Project
Consumer credit
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Amount
€1,000 to €60,000
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Term
6 to 84 months
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Rate type
Fixed APR
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Response time
Email reply
Ready to take action?
Ready to take action?
If your need is clear, you can continue to the application form and frame your project more precisely.
Important reminder
A loan is a commitment and must be repaid. Check that you can afford the repayments before proceeding.
- The information on this page is editorial guidance and not a binding offer.
- The final amount, term and conditions depend on the file review.
- Credit should always fit your financial situation.