Your Online Loan Application: Simple, Fast, and Secure

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.