Finance your projects with complete freedom with a personal loan

Preparing your documents is a key step to speed up the processing of your file. For a personal loan, here is a list of a generally requested documents:

• Proof of identity: Your valid ID card or passport is essential.
• Proof of income: For employees, this means your last 2 or 3 payslips. For the self-employed, the latest tax assessment notices.
• Bank statements: Your bank account statements for the last 3 months help us understand your overall financial situation.

Our tip: Gather these documents in digital format (scan or clear photo) before starting your online application. Our secure platform will guide you to upload them simply and quickly.

Being listed with the NBB is a delicate situation, but it is not necessarily an outright rejection. As a broker, our role is precisely to analyze complex files in depth.

A listing signals to lenders one or more past payment defaults. The approach will depend on your current situation:

• If you are a homeowner: Specific solutions like debt consolidation can be considered to improve your situation.
• If you are not a homeowner: The analysis will focus on the regularity of your current income and the nature of your listing. Although more difficult, we study every possibility.

Transparency is essential. We encourage you to explain your situation to us with confidence. One of our specialized advisors will take the time to evaluate your options.

We have optimized our process to be as fast and efficient as possible. Here are the steps for a personal loan:

1. Online simulation: Immediate. You get an approval in principle in minutes.
2. Document submission: Depends on you. The faster your file is complete, the faster we move forward.
3. Analysis and final decision: Once the file is complete, our analysts generally provide a final answer within 24 business hours.
4. Contract signing: Thanks to electronic signatures, this step can be completed in just a few clicks.
5. Fund disbursement: After receiving the signed contract, the funds are usually transferred to your bank account within 24 to 48 hours.

This is the central question! The choice depends on your project.

A specific-purpose loan (car loan, renovation loan…) is tied to a specific purchase and its rate is often more advantageous. You must provide proof (quote, invoice).

A personal loan (or installment loan) gives you a sum of money that you can use with complete freedom, without any proof of use. It’s the perfect solution for more flexibility, to finance several small projects, or for a non-material project (wedding, trip).

In summary: For a single, well-defined project like buying a car, a specific-purpose loan is more economical. For freedom and versatility, the personal loan is unbeatable.