Responsible and protective
We finance projects with amortising loans only and systematic affordability checks.
The instant credit leader in Europe
Constant innovation,
cutting-edge technology and an exceptional user experience.
More than 1.5 million clients already access simple and transparent credit. We have built a consumer lending product designed for an instant final credit decision through a fluid customer experience.
FranceItalySpainPortugalUp to €50,000
instantsfund about
Simple and transparent credit
Instant final credit decision, fluid customer experience and a readable framework from the first benchmark to submission.
1.5M
clients
€6B
lent since 2012
75%
instant decisions
84 months
maximum term
ECBACPRTrustpilot 4.8/5
Credit institution authorised by the European Central Bank
Under the primary supervision of the ACPR
Committed to 100% responsible financing
More than 1,500,000 clients trust us
Our mission
Supporting our customers’ financial well-being
We offer responsible and protective loans to finance customer projects: amortising loans only, systematic affordability checks and no hidden fees.
Savings opportunities
We suggest savings opportunities through our free financial coaching solution and insurance products to better protect customers.
B Corp certification
We are working toward B Corp certification and ESG standards aligned with public-market expectations.
Our products
Simplified consumer credit applications
Journeys designed to be fast, understandable and able to cover everyday needs as well as bigger purchases.
Instant application
Simplified consumer credit applications
An instant credit application to move forward in less than 6 minutes, with a clear framework and a response designed to be fast.
- Up to €50,000 and 84 months
- Less than 6 minutes to apply
Instant payment
Instant credit payment
Installment payments designed for the purchases that matter, online and in store.
- From €300 to €50,000
- Available online and in store
Budget coaching
Financial education, accessible to all
A free budget adviser to help save up to €500 per year and receive personalised recommendations.
- Save up to €500 per year
- Personalised recommendations
Protection
Protecting customers, families and projects
Integrated insurance offers for a simple, transparent process that supports project continuity.
- Integrated insurance offers
- Simple and transparent process
Trusted partners
Public benchmarks that help explain the scale of the brand
A claimed European presence, visible indicators and a responsible financing promise to support customers.
1.5M
clients
€6B
lent since 2012
75%
of credits with instant decisions
4.8/5
Trustpilot
Latest news
An active brand with regular announcements
A selection of communications showing how the merchant offer, point-of-sale presence and instalment payment use cases evolve.
PRESS RELEASE
instantsfund expands its merchant offering with 3x/4x split payment and a cashback programme
Product launch
PRESS RELEASE
instantsfund strengthens its point-of-sale presence through its integration with Global POS
New partnership
PRESS RELEASE
How instalment payments have reshaped European consumer habits
Client study
Frequently asked questions
The essentials to know
Before getting started, here are the essentials about the products, the presented geography and the legal information.
What does instantsfund offer?
Consumer credit solutions, instalment payments, free budget advice and integrated insurance offers.
Which countries does the platform cover?
France, Italy, Spain and Portugal, with amounts up to €50,000 depending on the product.
Where can I find the legal information?
In the Legal information section, the legal notices and the accessibility statement available on the site.
Information
Framework, notices and conditions
instantsfund Pay, instantsfund and instantsfund Coach are brands of instantsfund.
instantsfund S.A. is authorised and regulated as a Credit Institution - Investment Services Provider by the French Prudential Supervision and Resolution Authority (ACPR, authorisation no. 16488). instantsfund offers credit and buy-now-pay-later products online and in store. Financing is granted subject to final acceptance by instantsfund after your application has been approved. You have a 14 calendar day right of withdrawal from the date you sign the credit contract offer.
instantsfund: SA with Executive Board and Supervisory Board, share capital of €3,396,476.00 - Registered office: 21 rue de Châteaudun - 75009 PARIS - Paris Trade and Companies Register 517 586 376 - ORIAS number 11061269. instantsfund Financial S.A. is a Luxembourg public limited company (registration number B 282237), listed on Euronext Paris and Amsterdam (ticker: YOUNI), whose sole purpose is to hold shares in instantsfund S.A.
A loan is a commitment and must be repaid. Check your repayment capacity before you commit.
More than 1,500,000 clients trust us
Move from discovery to action while staying on a journey that is clear, transparent and fast.