Our Credit Solutions

We offer loans for almost all types of personal and real estate projects. Whether you simply need additional cash or are planning a major purchase, our brokers help you obtain a loan adapted to your situation.

Submit Your Credit Application

You can choose the contact method that suits you best. Our teams are available to guide you, answer your questions, and help you understand the different options available for your credit application.

• Contact a broker by phone: speak directly with one of our credit brokers to discuss your project and your needs.
• Submit your application online: fill in our secure form at your own pace. One of our experts will then contact you to refine your application.

An internal analysis of your profile is carried out as soon as we receive your information. We then prepare your file so it can be presented to the most suitable financial partners.

We Forward Your Credit Application to Our Partners

Crédit Populaire Européen collaborates with 20 different financial partners. This diversity of institutions enables us to compare offers and look for some of the most competitive rates and conditions available on the market for your profile.

Your application is sent to the partners most likely to accept your file under favorable conditions. We then select the offer that combines an attractive rate with repayment terms compatible with your budget.

In most cases, we obtain an initial response within 24 hours of receiving your complete application. You are kept informed at every stage, and our brokers remain available to explain the proposed offer.

We Defend Your Application

If a first financial institution refuses your application, our work does not stop there. Our brokers contact the aggregators to defend your file, clarify certain points if necessary, or submit your application to another partner whose acceptance criteria may be more suitable for your profile.

We carefully analyze the reasons for any refusal and identify any possible adjustments, all while respecting your budget and your personal situation. Our goal is to maximize your chances of obtaining financing that remains responsible and sustainable.

If you are listed at the National Bank of Belgium due to a default recorded on one of your previous credits, you must generally wait one year after settling the contentious credit before being able to borrow again. Our teams can explain the implications of this listing and advise you on the next steps.

Signing Your Credit Contract

As long as you have not signed your credit contract, you are not bound by any commitment. Once your file is accepted and you have approved the proposed conditions, we schedule an appointment to sign your credit contract in complete security.

We can receive you in our agencies located in Mons, Brussels, Arlon, and Esch-sur-Alzette in Luxembourg. During this appointment, a broker will review your contract with you, answer your questions, and make sure you fully understand your obligations and rights.

For the signing, please bring the following documents:

• Your identity card (and your residence card for foreign nationals).
• Your last three pay slips.
• Your bank statements proving that your salary is paid into one of your current accounts.

If you are married, your partner will also need to sign the credit contract, in accordance with the applicable legal provisions.

Receipt of Funds

After signing your credit contract, the borrowed funds are generally deposited into your current account within 48 hours. For security reasons, no funds are paid in cash at our agencies.

Your monthly repayments usually begin in the month in which your credit is signed. The amount, duration, and due dates are clearly specified in your contract so that you can manage your budget with complete transparency.

Throughout the lifetime of your loan, our customer service remains at your disposal to answer your questions, inform you about your remaining balance, or assist you if you wish to consider an early repayment according to the conditions described in your contract.

Why Submit Your Credit Application Through Us?

Entrusting your credit application to Crédit Populaire Européen means benefiting from the expertise of specialized brokers, a wide network of financial partners, and personalized support at every stage of your project.