Warning, borrowing money also costs money.
Credit for Everyone: Solutions for Every Life Project
CPE supports you in all your projects with a wide range of loans and services. Whether for a property purchase, a car, a personal need, or an emergency, benefit from simple procedures, expert guidance, and tailor-made solutions to achieve your goals with complete peace of mind.
Simulate Your LoanLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
A Loan Solution for Every Project
At CPE, we know that every project is unique. That’s why we offer a full range of financing solutions to meet your specific needs, whether you are in Belgium or Luxembourg.
Discover our main loan solutions:
- Mortgage Loan: For the purchase of your house, apartment, or for a rental investment. We find the best mortgage terms for you.
- Car Loan: Finance the purchase of your new or used vehicle (car, motorcycle) at attractive and dedicated rates.
- Home Improvement & Renovation Loan: Beautify, renovate, or improve the energy efficiency of your home.
- Personal Loan (all purposes): For a wedding, a trip, studies, furniture… A flexible solution with no proof of purchase required.
- Debt Consolidation: Simplify your budget management by combining multiple loans into a single, often lower, monthly payment.
Our online simulator allows you to get an initial estimate for any type of project. Get a clear view of your future monthly payments and take the first step towards achieving your ambitions.
Free • No obligation • Quick initial response
Why Choose CPE for Your Loan?
Choosing CPE means choosing a trusted partner who defends your interests and simplifies your life. We are committed to offering you the best possible service:
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Expert Guidance: Our dedicated advisors analyze your situation to offer the most relevant solution. They answer all your questions with full transparency.
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Access to a Wide Range of Offers: As a broker, we compare offers from numerous financial institutions to find the best rate and conditions for your profile.
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Truly Tailor-Made Solutions: We don’t offer a “one-size-fits-all” solution. Each loan is adapted to your project, your budget, and your repayment capacity.
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Simplified and Fast Procedures: From the online simulation to the electronic signature, we optimize every step to save you time and energy.
With CPE, you are no longer alone when dealing with banks. You benefit from expertise and support to achieve your projects *with confidence and peace of mind*.
Your Loan Application in a Few Simple Steps
Our process is designed to be simple, fast, and transparent, whatever your project.
1. Online Simulation
Use our simulator to define your project (amount, term). Get an instant estimate of your monthly payment.
2. Application Submission
Fill out our secure form and send us the necessary documents (ID, income, etc.).
3. Analysis and Proposal
Our team analyzes your file and searches for the best offer. You receive a clear and detailed proposal.
4. Contract Signing
If the offer suits you, you sign the contract, often electronically for greater simplicity and speed.
5. Fund Disbursement
Once the contract is validated, the funds are transferred to your bank account so you can bring your project to life.
At every step, our advisors are available to guide you and answer your questions.
Expert and Personalized Support
Our greatest added value lies in the quality of our service and advice. We are committed to being much more than just an intermediary:
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Active Listening and Needs Analysis: We take the time to understand your project, your financial situation, and your long-term goals to guide you towards the most sensible solution.
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Transparency and Clear Explanations: The world of credit can be complex. We break down the technical terms (APR, debit rate, etc.) and contract conditions for you, ensuring a 100% informed decision.
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Advice to Optimize Your Application: We help you present your application in the best possible light to maximize your chances of getting a positive response and the best possible terms.
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Availability and A-to-Z Follow-up: Your dedicated advisor remains your primary point of contact from the beginning to the end of the process, and even after, for any questions about managing your loan.
Calling on CPE means ensuring you have an ally who helps you navigate the financial landscape to achieve your projects safely and advantageously.
Let’s Build Your Financial Future Together
A well-structured loan is a powerful tool to achieve your goals. We help you use it wisely.
The Right Solution
We don’t just find you a loan. We help you choose the right product (personal loan, mortgage, etc.) that truly matches the nature of your project.
A Controlled Budget
Thanks to the simulation and our advice, we define with you a monthly payment and a term that fit perfectly into your budget, without compromising your financial stability.
A Long-Term Vision
We help you anticipate the impact of your loan on your future finances, and to consider solutions like debt consolidation to optimize your situation if it changes.
By wisely planning your financing with an expert partner, you give yourself the means to achieve your ambitions with peace of mind.
Testimonials: They Made Their Projects a Reality with Us
“For the purchase of our first home, we were lost. The CPE advisor was incredible: he compared mortgages, explained everything to us, and found a rate our own bank didn’t offer. A huge weight off our shoulders!”
“I had several small loans and credit cards. It was complicated to manage. CPE offered me a debt consolidation. My monthly payment went down, and now I only have one deduction. It really simplified my budget.”
What comes up most often in our clients’ feedback:
- The savings made thanks to finding the best rate.
- The simplicity and speed of the administrative process.
- The quality of listening and the relevance of advice from our experts.
FAQ Credit for All
Find answers to frequently asked questions about our financing solutions here. CPE guides you in finding the right loan for your situation in Belgium and Luxembourg.
We offer a very wide range to cover all your needs. Our main solutions include:
- Mortgage loans for buying or building a property.
- Car/motorcycle loans for a new or used vehicle.
- Home improvement and renovation loans to upgrade your home.
- Personal loans (or installment loans) to finance all types of personal projects without proof of purpose (wedding, travel, studies…).
- Debt consolidation to combine your loans into a single monthly payment and improve your budget.
Our role is to help you choose the most suitable and advantageous solution for your specific project.
Going through a broker like CPE offers several major advantages:
- Choice: Your bank will only offer its own products. As a broker, we have access to offers from numerous lenders. We make the banks compete for you.
- Time Savings: Instead of going to all the banks yourself, you submit a single application with us. We take care of finding the best offer for you.
- Expertise: Our job is to know the credit market inside and out. We advise you and help you build a strong application to maximize your chances of success.
- Independence: Our goal is to find the best solution for YOU, not to sell a specific banking product. We defend your interests.
The documents vary slightly depending on the type of loan and your situation, but the common requirements are generally:
- A copy of your identity card (front and back).
- Your latest payslips (usually the last 2 or 3).
- Your latest bank statements showing your income deposits.
- For specific loans (car, renovation), proof such as a purchase order or a quote may be requested.
- For a mortgage, the file will be more comprehensive (sales agreement, etc.).
Your advisor will provide you with a precise list of the documents required for your application.
This is precisely where our expertise as a broker makes a difference. Each case is unique, and we analyze it carefully.
- Professional situation (fixed-term contract, temporary work): Yes, solutions exist. Lenders will look at the stability and length of your income. A well-prepared file can make a difference.
- Listed with the National Bank (Belgium): Being on a credit blacklist for payment default makes obtaining a new loan very difficult, if not impossible by law. However, if you are a homeowner, a debt consolidation solution with a mortgage guarantee can sometimes be considered to clear your debts and start fresh.
The easiest way is to contact us for a confidential and non-binding analysis of your situation. We will honestly tell you what is possible.
Speed is one of our strengths. The timelines depend on the type of loan:
- For a personal, car, or renovation loan: After receiving your complete file, you can get an initial response very quickly (sometimes within a few hours). Once the contract is signed, the funds are usually transferred to your account within 48 business hours.
- For a debt consolidation or a mortgage loan: The process is longer because the analysis is more complex (repaying old loans, property appraisal, notary visit…). This can take several weeks.
In any case, we keep you informed at every stage of your application’s progress.
Absolutely not. The online simulation, as well as the application you can submit afterwards, are entirely free and without any obligation on your part.
Their purpose is to give you a clear initial idea of the possibilities and to allow us to analyze your request. You are free to accept or decline the loan proposal we send you. You are only committed once you sign an official loan agreement.