Personal loan
2 minutes
to fill out the form
A simulation
free and without obligation
A well insured loan
With Loan Insurance, you and your loved ones are protected in the event of a hard blow: incapacity for work, disability or death.
Flexibility
You choose the repayment period at your convenience between 12 and 120 months.
Flexibility
You can benefit from a payment break twice a year in the event of temporary difficulty
No hidden costs
You only repay your monthly payments, not a penny more!
What is a personal loan?
A personal loan is a credit that is said to be "unaffected". Indeed, the amount borrowed from a personal loan does not correspond to the precise purchase of a good (car, motorcycle, real estate, etc.).
Consequently, the personal loan is not triggered on presentation of an invoice as for “affected” credits, but simply meets a household cash requirement.
Ultimately, the borrower is free to use the amount of credit as he sees fit, whether for the financing of a consumer good (car, refrigerator, food, etc.) or for any other service.
This type of credit can be issued either by a bank or by a financing organization specializing in loans.
The repayment of a personal loan is usually done every month. Its duration, stipulated in the contract, varies according to the amount of the loan and the financial capacities of the borrower. The monthly payments take into account the total amount of the loan and its duration, the APR (annual percentage rate) as well as the insurance, if the borrower has subscribed to it.
Amount and duration of a personal loan
The personal loan is supervised by the Consumer Code , which defines a minimum and maximum duration and amount. As such, it allows you to borrow from € 3,000 to € 75,000 from Crédit Internet. As for the repayment period, it ranges between 12 and 120 months.
Generally, the first monthly payment occurs 30 days after the funds are made available. The exact date of withdrawal of this monthly payment is stipulated in the contract. The organization which grants you the financing can also grant you a deferral of payment of 2 to 3 months, but this is not systematic.
At Crédit Internet, the first monthly payment is withdrawn on the 4th of the third month following the availability of your funds.
GOOD TO KNOW
A fixed interest rate
If the APR (annual percentage rate of charge) varies in particular according to the amount and the duration of the loan, it does not change in any way during the course of a personal loan.
Supporting documents to set up a personal loan file
The acceptance of a personal loan depends mainly on the resources and the patrimony of the applicant. It is indeed crucial to ensure, upstream, that its financial situation and its capital will enable it to meet the monthly repayment installments.
Thus, for the preparation of your file, Crédit Internet requests the supporting documents required by law or in accordance with the practices of banking establishments. However, we will not ask you to provide original documents: all you need to do is upload your supporting documents and send them by email: Contact@gbi-kredit-bank.com
Finally, you will be asked to provide a complete file to be able to obtain a loan offer.
The three key points to remember about the personal loan:
The acceptance of a personal loan depends on the borrower's ability to cope with the chosen monthly payments (capital held, financial situation).
The amount of the loan can range from 3,000 to 75,000 €, and the repayment period from 12 to 120 months. It can cover the financing of a consumer good or any other service.
Buying insurance is not mandatory, but some lenders may require it; in any event, the choice of institution is up to the borrower.
Optional insurance, a real plus
When you take out a loan, you have the option of taking out borrower insurance from the lender.
If it is not mandatory and inevitably generates a monthly additional cost, it can nonetheless save you in the event of a hard blow. You benefit from protection against certain risks of everyday life such as death or disability, or even loss of employment if you include this option in your contract.
It is therefore advisable to think carefully about it, taking into account your assets, your resources and the amount borrowed.
Personal loan: financing tailored to you
A personal loan is a borrowing solution that allows you to use it freely. Personal loans stand out from traditional loan formulas that require proof of their use. They are versatile and suitable for a large number of individual projects, such as a trip, a family event, etc.
Personal credit, a proven formula
A personal loan works like a classic bank loan. A sum of money is made available by the bank or the credit institution after examination of the borrower's file. The latter can use the amount provided as he sees fit. The contract established between the creditor and the borrower will define the terms of repayment.
Personal loans, how are they different from other credit solutions?
Since its inception, consumer loans, including personal loans, have made it possible to finance and support your moments in life. This implies a financial solution adapted to all needs. The personal loan differs from other loans (motorhome, boat, etc.) by its versatile character. For a trip, for example, the costs will have various origins: reservations, transport, pocket money, etc. Only this type of loan can cover all of these expenses.
Apply for funding
It is with a lender, or specialized in loans, that the request for a personal loan will be made. First, the organization will study the request to check, among other things, the borrower's repayment capacities. He may also propose a optional insurance . The latter must inform his client of the terms of engagement with in particular a quantified schedule of monthly payments to be reimbursed.
