Frequently Asked Questions
Quickly find answers to all your questions about our loans, rates, conditions and application process.
Frequently asked questions list
Rates & Fees
CréditPro applies a fixed annual rate of 3.0% (APR) for all its loan products, regardless of the type of loan: consumer credit, personal loan or loan consolidation.
This rate is guaranteed for the entire duration of your contract: it cannot increase, even if market rates fluctuate. From the moment you sign, you know exactly what you will pay each month until the final repayment.
No processing fees are charged at CréditPro. The simulation, review of your application and loan setup are entirely free.
The displayed APR of 3.0% includes the full cost of the loan. There are no opening fees, no annual management fees, and no penalties beyond the legal early repayment terms set out in your contract.
Borrower insurance is not legally required for consumer loans. However, it is strongly recommended to cover risks such as death, permanent disability or job loss.
If you wish to take out insurance, CréditPro will suggest approved partners. The cost of any insurance is shown separately from the 3.0% APR and communicated to you before signing. You are free to accept or decline.
Loans
You can borrow between €5,000 and €2,000,000 depending on your needs and repayment capacity. This wide range allows us to cover both small everyday projects and large-scale financing (renovations, vehicles, investments).
The amount granted will be determined after our advisors analyse your application, taking into account your income, current outgoings and debt-to-income ratio.
The repayment term ranges from 12 to 360 months (1 to 30 years). You freely choose the term that best matches your monthly budget.
The longer the term, the lower your monthly payments, but the higher the total cost of the loan. Our simulator lets you test different terms and find the ideal balance between a comfortable monthly payment and a controlled total cost.
These two products are very similar but differ in their intended use:
- A personal loan is a free-use credit: you do not need to justify how you use the funds. It is the most flexible solution to finance a personal project (travel, wedding, home improvements, etc.).
- A consumer loan can be tied to a specific purchase (car, equipment) or left unrestricted. In both cases at CréditPro, the rate is identical: 3.0% fixed.
Our advisors will guide you towards the most suitable product when you submit your application.
Loan consolidation involves grouping several existing loans into one, with a single reduced monthly payment. It is an effective solution to simplify the management of your finances and lower your monthly debt ratio.
At CréditPro, loan consolidation is carried out at the fixed rate of 3.0%. We consolidate your consumer loans, personal loans and other eligible debts into a single contract tailored to your situation.
Please note: extending the repayment term reduces monthly payments but may increase the total cost of the loan. Your advisor will provide a full simulation before any decision is made.
Our loan simulator is a free, no-obligation tool that lets you instantly calculate:
- Your monthly payment amount based on the capital and term chosen
- The total cost of the loan (interest over the entire term)
- The total amount due at the end of the contract
Simply enter the desired amount (€5,000 – €2,000,000) and the term (12 – 360 months). The calculation is performed automatically at the fixed rate of 3.0%. No registration is required to simulate.
The minimum monthly payment depends on the amount borrowed and the chosen term. For example, for a loan of €5,000 over 360 months at a rate of 3.0%, the monthly payment would be approximately €19.41.
Use our simulator to test different combinations and find the monthly payment best suited to your budget.
Application & Eligibility
To be eligible for a CréditPro loan, you must meet the following conditions:
- Be an adult individual (18 years or older)
- Reside in a country within the European Union (France, Germany, Netherlands or United Kingdom for active markets)
- Have a regular income (salary, self-employment income, pension, etc.)
- Have a debt-to-income ratio below 33% after accounting for the new loan
- Not be registered on the Personal Loan Repayment Incident File (FICP) or European equivalent
The documents generally required to review your application are:
- Valid identity document (national identity card or passport)
- Proof of address dated within 3 months (energy bill, rent receipt, etc.)
- Last three pay slips or equivalent proof of income
- Last two bank statements
- Most recent tax assessment
Depending on the nature of your request (loan consolidation, large amount), additional documents may be required. Your advisor will guide you step by step.
You will receive a preliminary response within 24 business hours of submitting your complete application. In most cases, the response is provided within a few hours.
A positive preliminary response does not constitute a firm loan offer: it indicates that your profile appears eligible. The final offer is established after a full review of documents and final validation, within an additional 2 to 5 business days.
In case of a refusal, you will be notified by email within the legal timeframe. The refusal does not significantly impact your credit score as our preliminary review is based on declared information.
You can contact us to understand the general reasons for the refusal (without legal obligation to detail them) and assess whether a new application at a later date would be worth considering. Some refusals may be linked to temporary factors (temporarily high debt ratio, incomplete application, etc.).
Our advisors are available to answer all your questions:
- By phone: Monday to Friday, 9am to 6pm
- By email via our contact form
- By live chat directly on our website (available during business hours)
Our teams are multilingual: French, German, English and Dutch. Feel free to contact us in the language of your choice.
Simply simulating a loan on our website has no impact on your credit score. It does not involve any official file check.
When you submit a formal application, a light check may be carried out. However, a loan that is granted and repaid on time can improve your financial profile in the long term. Conversely, repeated late payments may result in registration on the FICP.
Repayment
Yes, partial or full early repayment is permitted at any time in accordance with applicable consumer protection regulations.
If the early repayment amount exceeds €10,000 over a 12-month period, an early repayment charge may apply, legally capped at:
- 1% of the capital repaid if more than 1 year remains on the loan
- 0.5% of the capital repaid if 1 year or less remains on the loan
Below €10,000, no charge is due. Contact your advisor to arrange an early repayment.
Once the loan offer is accepted and the 14-calendar-day legal withdrawal period has passed, the funds are transferred to your bank account within 2 to 5 business days.
If you waive your right of withdrawal before the 14-day period expires (only for tied loans with immediate service commencement), disbursement may occur sooner, as set out in the contract.
After signing your contract, certain modifications are possible subject to conditions:
- Payment deferral: in case of temporary difficulties, a limited deferral may be granted after reviewing your file
- Monthly payment adjustment: depending on your contract, an upward or downward adjustment may be available
- Refinancing: a new loan can replace the existing one if your situation has improved favourably
Contact your dedicated advisor as soon as possible if you anticipate repayment difficulties. Early action always provides more options.
In accordance with the European Consumer Credit Directive, you have a 14-calendar-day withdrawal period from the date of acceptance of the loan offer.
To exercise this right, you must send the withdrawal form enclosed with your contract (or an express letter) before the deadline expires. If the funds have already been disbursed, you will need to repay them along with any accrued interest, with no additional charges.
GDPR & Personal Data
CréditPro processes your personal data in accordance with the General Data Protection Regulation (GDPR – EU 2016/679). Your data is collected solely for the purpose of processing your loan application.
All communications between your browser and our servers are encrypted using SSL TLS 1.3. Our servers are hosted exclusively within the European Union. Your data is never sold to third parties for commercial purposes.
Under the GDPR, you have the following rights regarding your personal data:
- Right of access: obtain a copy of all data held about you
- Right of rectification: correct inaccurate or incomplete data
- Right to erasure: request deletion of your data (subject to legal conditions)
- Right to portability: receive your data in a structured, readable format
- Right to object: object to the processing of your data for prospecting purposes
To exercise these rights, contact our Data Protection Officer via our contact form.
Retention periods vary depending on the nature of the data and legal obligations:
- Contract data: retained for the duration of the loan, then 5 years after its end (legal obligation)
- Unsuccessful application data: retained for a maximum of 3 years for commercial relationship management purposes
- Browsing data: anonymised or deleted according to your cookie consent
Beyond these periods, your data is deleted or irreversibly anonymised.
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