100% 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.
€0 application fees100% onlineFile 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 in just a few minutes
03
Get confirmation
Receive an acknowledgment by email
Key markers
A journey designed to get to the point
As on the best online credit pages, the information is structured around the concrete benefits of the service, the projects you can finance and the main file steps.
Fast credit
The flow is designed to provide a clear answer quickly, with simple and readable steps.
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 urgent or unexpected expense with a fast response.
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 without proving how the funds will be used.
02
100% digital
The main steps happen online, with e-signature and paperless upload.
03
Speed
Application, review and follow-up are designed to reduce friction.
04
Security
Information is handled carefully before, during and after submission.
05
Peace of mind
The frame 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 speed, clarity and a simple journey so people can move forward without wasting time.
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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
Immediate response*
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.