Warning, borrowing money also costs money.
The Personal Loan: The Freedom to Finance All Your Projects
Discover how our Personal Loan is the ideal financing solution for your money needs in Belgium and Luxembourg. With our simplified simulator, estimate your financing and bring your dreams to life, without constraints.
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** 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.
Discover the Personal Loan: The Flexible Solution for Your Projects
The Personal Loan, also known as an installment loan, is a versatile consumer credit. Available in Belgium and Luxembourg, it helps you finance a multitude of projects without specific purpose restrictions (unlike a car or renovation loan, which are tied to a specific purchase).
A few examples of projects that can be financed with a Personal Loan:
- Home renovations or improvements: a small kitchen, a new bathroom, decoration.
- Family events: wedding, birth, communion, an important trip.
- Major purchases: furniture, home appliances, high-tech equipment.
- Studies and training: tuition fees, educational materials, driver’s license.
- Cash flow needs: dealing with an unexpected expense, consolidating small debts (excluding structured debt consolidation).
Thanks to our simple and fast online simulation, you can immediately estimate:
- The ideal amount you can borrow for your project.
- The most suitable monthly payment for your budget.
- The repayment term that works best for you.
Accessible without requiring real estate collateral (for usual amounts) and with competitive interest rates, the Personal Loan gives you the freedom, flexibility, and speed you need to achieve your personal goals with peace of mind.
Free • No obligation • Quick preliminary decision
Advantages and Uses of a Personal Loan
The Personal Loan stands out for its administrative simplicity and its great flexibility of use, making it a very popular financing solution:
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Freedom to use the funds: Unlike a purpose-specific loan, no proof of purchase (invoice, order form) is generally required for the use of the borrowed funds. You use the money as you see fit.
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Simplified and fast procedure: The application can often be initiated online, with a quick preliminary decision. Electronic signatures and digital tracking speed up the process.
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Custom amounts and terms: Borrow from a few thousand euros to more substantial sums (up to €75,000 or €100,000 depending on the institution), with repayment terms adaptable to your financial capacity.
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Full transparency of conditions: The online simulation gives you a clear view of the APR (Annual Percentage Rate), monthly payments, duration, and total cost of the credit.
With these advantages, the Personal Loan establishes itself as the ideal financial tool to serenely carry out your personal projects, manage unexpected events, or simply optimize your budget management.
How to Get Your Personal Loan Quickly?
Our process is designed to be simple, fast, and transparent.
1. Online Simulation
Use our simulator to choose the desired amount and repayment term. Get an instant estimate of your monthly payment and APR.
2. Application and Documents
Fill out the online application form. Prepare your documents: ID card, recent pay slips, bank statements.
3. Analysis and Response
Our advisors analyze your application. You receive a preliminary decision quickly, often in a few minutes or hours.
4. Contract Signing
If you are happy with the offer, sign the contract. The signature can often be done electronically for more speed and convenience.
5. Fund Disbursement
After final approval and respecting the legal withdrawal period, the funds are transferred to your bank account, usually within 48 business hours.
Our expert advisors are available by phone, email, or at our branches at every step to guide you and answer all your questions.
Conditions Adapted to Your Budget
Our Personal Loan is designed to best fit your personal financial situation and your evolving needs:
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Fixed or variable interest rate: Depending on the offers and your profile, you could choose a fixed rate for constant monthly payments and better predictability, or a variable rate. However, most of our personal loans have a fixed rate.
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Flexible repayment term: The term can range from a few months (12, 24 months) to several years (often up to 84, 120 months, or even longer depending on the amounts and legislation), allowing you to adjust the monthly payment to your repayment capacity.
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Possibility of early repayment: The law allows you to repay all or part of your loan before the due date. Prepayment fees may be due, but they are legally capped.
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Adapted to the Belgian and Luxembourg markets: Our offers scrupulously comply with the regulatory frameworks of Belgium (Code of Economic Law) and Luxembourg, ensuring you optimal protection.
This flexibility is essential to help you maintain sound and balanced financial management, whatever your priorities and life’s uncertainties may be.
Optimize Your Financial Future with a Personal Loan
A well-planned Personal Loan can be a lever to achieve your goals and secure your financial future.
Visualize the Impact
Use the online simulation to clearly understand the impact of a new loan on your monthly budget and your debt-to-income ratio. Plan ahead to avoid surprises.
Adjust and Adapt
If your financial situation changes (e.g., an increase in income), explore options to adjust your repayments: increase monthly payments to shorten the term, or make a partial early repayment.
Benefit from Guidance
Our advisors are not just salespeople. They are here to help you make informed financial decisions that align with your life projects and your repayment capacity.
By judiciously planning your loans and integrating them into a comprehensive view of your finances, you build a stronger, more serene financial future, and you give yourself the means to achieve your ambitions.
Testimonials: They Made Their Projects a Reality with Us
“We needed to redo the baby’s room before she arrived. Thanks to the Personal Loan from CPE Crédit, we were able to finance the work and furniture quickly. The online simulation was clear and the advisor was very attentive. Everything was done without financial stress!”
“I wanted to take an additional training course to advance in my career. The Personal Loan allowed me to cover the tuition fees without dipping into my savings. The process was simple and the funds were available in a few days.”
Our clients regularly highlight:
- The speed and efficiency of the process (from simulation to fund disbursement).
- The clarity and transparency of the information provided at each step.
- The attentive and personalized support from our advisors.
A well-chosen Personal Loan transforms a simple need for financing into a real opportunity to achieve your dreams and improve your daily life.
Personal Loan FAQ
Find detailed answers to the most frequently asked questions about our Personal Loan. This solution, also called an Installment Loan, is designed to flexibly meet your money needs in Belgium and Luxembourg.
The Personal Loan, often called an Installment Loan in Belgium, is a form of consumer credit. Specifically, a lender provides you with a sum of money that you agree to repay through constant monthly installments (principal and interest) over a set period.
Its main feature is its flexibility of use: unlike a purpose-specific loan (mortgage, car), you do not need to justify the purpose of your expense. This is the very essence of a “Personal Loan”.
It is intended for:
- Any person of legal age (18 and over) residing in Belgium or Luxembourg.
- Who has regular and sufficient income to handle the repayments.
- Wishing to finance a variety of personal projects: furniture, wedding, studies, holidays, cash needs, etc.
- Who does not wish to provide a specific guarantee (like a mortgage) for the loan.
The goal of a Personal Loan is to offer a simple, fast, and transparent financing solution to make personal projects a reality, without unbalancing one’s budget, thanks to staggered repayments.
For a Personal Loan to be granted, lenders assess your ability to repay the credit. Here are the main eligibility criteria:
- Age and Residence: You must be of legal age and legally reside in Belgium or Luxembourg.
- Repayment Capacity / Income: Stable and regular income is required (salaries, self-employment income, pensions…). It must be sufficient to cover your monthly expenses AND the new monthly payment.
- Debt-to-income ratio: This is the ratio of your total monthly expenses (including the new loan) to your income. This ratio should generally not exceed 33% to 40%.
- Credit History / Listing: In Belgium, a check with the Central Individual Credit Register (CCP) is systematic. A negative listing (payment defaults) can make it difficult to obtain a loan.
- Supporting Documents: You will need to provide documents to prove your identity, income, and expenses.
The purpose of these criteria is to protect the borrower from over-indebtedness and to limit the risks for the lender. Each application is analyzed individually.
The online loan simulation is a free, no-obligation tool that gives you a first estimate of the financing conditions. You enter the desired amount and the repayment term, and the simulator calculates the proposals.
Key information provided:
- The monthly payment amount: The sum to be repaid each month.
- The loan term: The number of months for repayment.
- The APR (Annual Percentage Rate): The most important indicator for comparing offers. It includes the interest rate and all mandatory fees.
- The total cost of the credit: The total sum of interest you will pay.
- The total amount to be repaid: The borrowed principal plus the total cost of the credit.
Important: A simulation provides an indicative estimate. The final offer will depend on the full analysis of your application. It is the essential first step before a formal request.
The repayment conditions for a Personal Loan are defined in the contract and adhere to a legal framework. Here are the main aspects:
- Repayment Term: Set at the time of signing, it can range from 12 months to several years (up to 120 months). A longer term means lower monthly payments but a higher total cost.
- Interest Rate: Most often, the rate is fixed, guaranteeing constant monthly payments. The rate is included in the APR.
- Flexibility: You have the legal right to repay your loan early, subject to capped fees.
- Insurance (optional): Payment protection insurance may be offered to cover repayment in case of death or disability.
It is crucial to carefully read all the conditions of the credit agreement before committing.
Yes, a Personal Loan can be a suitable and fast solution for urgent money needs, but it should be approached with caution.
Advantages in an emergency:
- Fast processing: Online application, quick preliminary decision, and funds disbursed in 24-48 business hours after approval.
- Flexibility of use: The money is not tied to a specific purchase (urgent repair, medical bills…).
- No real collateral required: Simplifies and speeds up the process.
Precautions to take:
- Cost of credit: Do not overlook the APR. Compare offers, even quickly.
- Repayment capacity: Make sure you can handle the monthly payments. A loan is a long-term commitment.
In summary, it is a viable solution for an emergency thanks to its speed and flexibility. Approach it with discernment so as not to worsen your financial situation.
A Personal Loan has several distinct advantages over other forms of financing:
- Flexibility of Use (“All-Purpose” Loan): This is its main asset. Unlike purpose-specific loans (Car, Home Improvement), it does not require any proof of purchase. You use the funds freely.
- Simplicity and Speed: Compared to a mortgage loan, obtaining it is much simpler and faster (no notary, no property appraisal, short deadlines).
- No Real Collateral Required: Unlike a mortgage loan, no guarantee on a property is requested. The guarantee is based on your repayment capacity.
- Predictability: Mostly at a fixed rate, it offers excellent budget predictability (constant monthly payments), unlike revolving credit, where the rate is often variable and higher.
In short, a Personal Loan is a versatile, fast, and simple solution, ideal for financing various projects without the administrative complexity of other loans.