Frequently asked questions

Clear answers to the questions we hear most, without spin and without promises.

Eligibility

Can I borrow while listed for a credit incident?

Classic credit granted on a score will be refused, but financing backed by collateral can be studied. The eligibility check tells you honestly where you stand.

Do you accept the self-employed without three years of accounts?

Yes, under conditions: an established business and steady statements can make up for the missing accounts.

Is a fixed-term or temp contract a deal-breaker?

No. A short contract weakens the file but does not make it impossible, especially with track record in the same field or a co-borrower.

Rates and costs

Is the APR guaranteed in advance?

No. The rates shown are indicative. The final APR appears on your contract offer, after review of your file.

Why is the APR higher than the rate shown?

The APR is an effective rate that includes fees and any insurance: it is normal for it to be higher than the borrowing rate alone.

Are there arrangement fees?

Depending on the product. Any fees are stated clearly in the offer, before you sign.

Safety and data

What do you do with my data?

It is used only to review your request and is accessed only by the people in charge of the review, in line with the privacy policy.

Are my simulator answers sent?

No. Until you submit a request, your answers stay on your device.

Journey and timing

How long does the review take?

A clear review time is stated, and we stick to it. No artificial urgency, no countdown.

Is the eligibility check a credit approval?

No. It is honest guidance, without commitment or a shown score: it is not a credit decision.

Can I resume my application later?

Yes. Your answers are saved on your device while you finish, and cleared on submission.