Find the right loan for every stage of your life

Preparing your documents is a key step to speed up the processing of your application. Although each situation is unique, here is a list of commonly requested documents:

• ID document: Your valid ID card or passport is essential to verify your identity.
• Proof of income: For employees, this means your last 2 or 3 payslips. For the self-employed, we ask for the latest tax assessments or accounting balance sheets. This allows us to assess your repayment capacity fairly and responsibly.
• Bank statements: Your bank account statements for the last 3 months help us understand your overall financial situation (recurring expenses, budget management).
• For a specific-purpose loan: If you are financing a specific item (car, works), proof such as a purchase order, a signed quote, or a sales agreement (for a mortgage) will be necessary.

Our advice: 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.

A listing with the NBB is a delicate situation, but it is not necessarily a definitive refusal. As a broker, our role is precisely to analyze complex cases in-depth and find solutions where others stop.

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 mortgage consolidation can be considered. This allows you to centralize your debts (including the one that caused the listing) into a single, often lower, monthly payment backed by your property.
• 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 key. We encourage you to explain your situation to us with confidence. One of our specialized advisors will take the time to evaluate your options confidentially and without obligation.

We have optimized our process to be as fast and efficient as possible. Here are the steps and average timeframes:

1. Online simulation: Immediate. You get an answer in principle in just a few minutes.
2. Sending documents: Depends on you. The faster you send us the requested documents, the faster we can proceed.
3. Analysis and final decision: Once the file is complete, our analysts generally provide a final answer within 24 business hours.
4. Signing the contract: Thanks to electronic signatures, this step can be completed in a few clicks, wherever you are.
5. Disbursement of funds: After receiving the signed contract, the funds are usually transferred to your bank account within 24 to 48 hours for a personal loan.

Please note: For a mortgage loan, the process is longer (several weeks) as it requires a mandatory visit to a notary for the credit deed.

This is an excellent question that depends entirely on the nature of your project and your need for flexibility.

A specific-purpose loan (car loan, renovation loan…) is, as its name suggests, tied to a specific purchase.
Advantages: Its interest rate (APR) is often more favorable because the lender knows the purpose of the financing, which acts as a guarantee.
Disadvantages: You must provide proof (quote, invoice) and the funds can only be used for that specific purchase.

A personal loan (or installment loan) gives you a sum of money that you can use freely, without any proof of use.
Advantages: Total flexibility. Ideal for financing several small projects (furniture, vacation, high-tech), dealing with an unexpected event, or for a project that doesn’t generate an invoice (organizing a wedding).
Disadvantages: The rate may be slightly higher than that of a specific-purpose loan, as the risk for the lender is higher.

In summary: For a single, well-defined project like buying a car, the specific-purpose loan is often the most economical choice. For more freedom or for a non-material project, the personal loan is the perfect solution.