Warning, borrowing money also costs money.

Your Online Loan Application: Simple, Fast, and Secure

Bring your projects to life without leaving your home. Our online application process allows you to simulate, submit, and track your Personal Loan application in just a few clicks. Enjoy a fast decision in principle and a fully digitized process in Belgium and Luxembourg.

Start my online application

I choose the amount

I choose the monthly installment

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Summary of my simulation

My monthly payment:loading…

The amount borrowed:loading…

Loan duration:loading…

APR*:loading…

The fixed debit interest rate*:loading…

Total Cost:loading…

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Legal 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.

The 4 Key Advantages of Applying for a Loan Online

Speed

Receive a decision in principle in minutes and speed up the overall processing of your application with automated processes.

Simplicity

Our form is intuitive and guides you step-by-step. Upload your documents directly from your computer or smartphone.

Availability

Our service is available 24/7. Apply whenever it’s most convenient for you: evenings, weekends, with no time constraints.

Security

All your information is transmitted via encrypted connections and stored securely, in compliance with the strictest standards (GDPR).

The online loan application combines digital efficiency with rigorous expert analysis for your Personal Loan.

Your Application Journey in 5 Clear Steps

We’ve broken down the process for complete transparency.

1. Simulate & Customize

Use the simulator to define your ideal loan parameters: amount and term. Instantly see your proposed monthly payment.

2. Fill Out the Form

Complete the application form with your personal, financial, and professional information. It only takes a few minutes.

3. Upload Your Documents

Scan or photograph your supporting documents (ID card, payslips…) and upload them directly to our secure interface.

4. Receive and Review the Offer

After your complete application is reviewed, you’ll receive a response and, if positive, a detailed loan agreement offer by email.

5. Sign Electronically

If the offer suits you, sign your contract online in a 100% secure way. The funds are then transferred to your account after final approval.

Prepare Your Documents for an Express Application

Having these items on hand will save you precious time.

Proof of Identity

Your valid ID card or residence permit (front and back).

Proof of Income

Your last 2 or 3 payslips and/or your most recent tax assessment notice.

Proof of Expenses

Recent bank statements showing your rent or mortgage payments.

A complete file ensures a fast analysis and a response as quickly as possible.

Customer advisor helping a client by phone

Digital, But Never Dehumanized

Choosing digital means efficiency, not isolation. Behind our online interfaces, a team of expert advisors is at your service.

Are you facing a difficulty? Have a specific question about your situation? Or simply prefer human contact for reassurance?

  • Contact us by phone: Our advisors answer your questions and can guide you through the form live.
  • Write to us by email: For any non-urgent questions, send us a message and we will get back to you as soon as possible.
  • Visit a branch: If you prefer to finalize your application face-to-face, our branches will be happy to welcome you.

Our technology is at your service, and so are our people.

FAQ: Online Loan Application

Find complete and detailed answers here to the questions you may have about the online loan application process.

Yes, absolutely. An online loan application follows an equally rigorous process and is subject to the same legal obligations as an application made in a branch. The communication channel changes, but the nature of the commitment and the quality of the analysis remain identical.

The review of your application is conducted by the same credit experts. The same acceptance criteria apply, including checking your repayment capacity and consulting the Central Individual Credit Register of the National Bank of Belgium. The final contract you sign has exactly the same legal value. The only difference is that the digital process offers you more comfort, speed, and flexibility, saving you travel and allowing you to manage your application on your own schedule.

To analyze your application, we need certain mandatory documents to verify your identity, income, and expenses. Here is the typical list:

  • Your ID card: A front and back copy to confirm your legal identity.
  • Your proof of income: Usually your last 2 or 3 payslips. If you are self-employed, other documents such as your most recent tax assessment notice will be requested. This allows us to assess the stability and amount of your income.
  • Your proof of expenses: Recent bank statements (usually the last 3 months) showing the payment of your main fixed expenses (rent or mortgage, other current loans…).

For submission, everything is simplified and secure. You don’t need a professional scanner. You can simply take a clear and legible photo of each document with your smartphone. Then, our application form will provide a “Document Upload” section where you can upload these files directly. This transmission is done via an encrypted connection (HTTPS protocol, visible by the small padlock in your browser’s address bar), ensuring that your data is protected and cannot be intercepted.

It is important to distinguish between the two. The “decision in principle” is the very first result you get after filling out the application form, often in a matter of minutes. It is based on an automated analysis of the information you have provided. If this information meets our basic criteria, the decision in principle will be positive. It means: “Based on what you’ve told us, your project seems feasible. We can now proceed to the in-depth review.” It is therefore not a final approval and is not binding.

The “final decision” comes later, after our advisors have received and analyzed all your supporting documents. They verify that the documents confirm the information you declared and conduct a complete analysis of your financial situation. Only after this human validation do we give you final approval and send you an official contract offer. The timeframe for this final decision depends on how quickly you provide us with a complete file, but we strive to do so within 24 to 48 business hours.

The electronic signature is a fully paperless, simple, and highly secure process that allows you to sign your loan contract without having to print it or visit a branch. Specifically, once the contract offer is accepted, you will receive a link by email or a code by SMS. By clicking this link and entering the received code, you will access a secure interface where you can read your contract and validate it with a click.

Yes, it has exactly the same legal value as a handwritten signature. In Europe, the validity of electronic signatures is governed by the eIDAS (electronic IDentification, Authentication and trust Services) regulation. This regulation guarantees the integrity of the document (it cannot be altered after signing) and the identification of the signatory. It is a reliable, fast, and court-recognized method that has become the standard in many sectors, including banking and credit.

Above all, don’t worry. We understand that a technical problem or a question can arise, and we won’t leave you alone in front of the screen. Our customer service team is here to take over.

If you get stuck, you have several options. The simplest is to call us directly during our business hours. One of our advisors can view your application (with your permission) and guide you step-by-step to solve the problem or answer your question. You can also send us an email describing your situation. Finally, if you wish, you can stop your online application at any time and make an appointment at one of our branches to finalize it with an advisor. Our goal is your comfort: the digital channel is an option, not an obligation.

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