Frequently Asked Questions

Standard required documents include a valid government-issued photo ID (passport or national identity card), recent proof of address (utility bill or bank statement dated within 3 months), and proof of income (last 3 payslips or, for self-employed individuals, last 2 years of tax returns). Additional documents may be requested depending on the loan type.

Yes. Self-employed individuals and business owners are welcome to apply. We assess each application on its merits, taking into account business revenue, trading history, and financial statements. Our dedicated business loan advisors can assist with structuring your application appropriately.

There is no fixed minimum income threshold, as eligibility is determined by a holistic assessment of your financial profile, including income, existing commitments, and the loan amount requested. We aim to ensure that any loan offered is appropriate and sustainable for your circumstances.

Completing the online application form typically takes 5–10 minutes. Our team reviews applications within 24 business hours. Once all required documents are received and verified, funds can be disbursed as quickly as 24–48 hours after signing the loan agreement.

Once submitted, your application is assigned to a dedicated loan advisor. You will receive a confirmation email immediately. The advisor will contact you within 24 hours to discuss your requirements, verify your information, and outline the next steps. You may be asked to provide supporting documents at this stage.

Yes. Having an existing loan does not disqualify you from applying. We consider your overall debt-to-income ratio as part of our assessment. In some cases, we may also offer a consolidation solution that simplifies your existing commitments alongside any new financing.

Interest rates are determined based on several factors including the loan amount, duration, type of loan, your income profile, and your overall financial situation. Our representative APR ranges from 2.9% to 24.9%. The exact rate applicable to your loan will be clearly stated in your personalised offer before you sign anything.

All applicable fees are disclosed in full in your loan agreement before signing. These may include an administration fee for certain loan types, which will be clearly itemised. We operate on a basis of complete transparency — all costs are presented upfront so you can make a fully informed decision.

We offer personal loans from €1,000 to €75,000, business loans from €5,000 to €500,000, and mortgage solutions up to €2,000,000. Loan terms range from 6 months to 30 years depending on the product. The simulator on our website can help you explore options based on your requirements.

Repayments are collected via monthly direct debit from your designated bank account. Your repayment schedule, including the exact amount and date of each instalment, will be set out clearly in your loan agreement. You will also have access to an online client portal where you can track payments and your remaining balance.

Yes, early repayment is permitted. In line with European consumer credit regulations, early repayment may be subject to a small settlement fee for loans over €10,000. The exact conditions will be detailed in your loan agreement. Partial early repayment is also available, which can reduce the remaining term or your monthly payment.

If you anticipate difficulty making a payment, we strongly encourage you to contact us as early as possible. We will work with you to explore options such as a temporary payment arrangement. Late payments may incur charges as detailed in your loan agreement and may affect your financial standing.