Fully unrestricted use

Personal Loan

Borrow freely, with no proof of use required. Your money, your projects, your decisions — with a guaranteed fixed rate of 3% and a response in under 24 hours.

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Unrestricted use – no proof required

Borrow without constraints

CréditPro's personal loan doesn't ask you to explain how you'll use the funds. Your project is yours — we take care of the financing.

  • No proof of use required
  • Fixed rate 3% — no surprises
  • Amount from €5,000 to €2,000,000
  • Term 12 to 360 months to fit your budget
  • Zero early repayment penalty
  • 100% online process — electronic signature
Free use — no proof required
3.0%
Fixed APR
€5,000
Min. amount
€2,000,000
Max. amount
12 months
Min. term
360 months
Max. term
Representative example €10,000 over 36 months — €290.82/month
Fixed APR 3.0% — Total repayable: €10,469

All your projects

Finance any project

The personal loan adapts to all your desires, without you having to justify how you use the funds. Here are some examples among thousands of possibilities.

🚗

Vehicle purchase

Finance your new or used car, motorbike, motorhome or any other vehicle without going through a dealer.

💍

Wedding

Give yourself the celebration of your dreams — venue, catering, dress, honeymoon — without compromising on your desires.

🌍

Travel

World tour, safari, luxury cruise or extended city break — travel with peace of mind with your financing ready.

🚀

Business creation

Launch your entrepreneurial project, finance your initial stock, equipment or setup costs.

🏠

Renovation

Transform your interior, renovate your facade or landscape your garden according to your wishes and budget.

🆘

Financial emergency

Deal with an unexpected expense, cover an overdraft or handle an emergency stress-free with fast access to funds.

Comparison

Personal loan vs Earmarked credit

Understanding the difference helps you choose the solution best suited to your situation.

Our offer

Personal Loan

  • No proof of use of funds required
  • Usable for any type of project
  • Funds paid directly into your account
  • Early repayment without penalty
  • 100% online and fast process
  • Fixed rate 3% — stable monthly payments
Alternative

Earmarked credit

  • Proof of purchase required
  • Tied to a specific purchase (car, works…)
  • Funds paid to the seller or provider
  • Cancelled if the purchase is cancelled
  • Sometimes longer procedures
  • Variable rate depending on the offer

Simple and fast

Get your loan in 3 steps

1

Online application

Fill in our simplified form in 5 minutes from home. No proof of destination of funds is required.

2

Decision within 24h

Our experts analyse your application personally and send you a clear loan offer with your exact monthly payments.

3

Transfer within 48h

After electronic signature of your contract, the funds are credited directly to your bank account within 48 hours.

98%
Satisfied customers
24h
Response time
100%
Online, no travel required
3.0%
Guaranteed fixed APR

Testimonials

What our customers say

★★★★★

"I launched my freelance business thanks to CréditPro's personal loan. No proof of use required, ultra-simple process, funds received in 2 days. A real boost!"

Thomas B.
Paris, France
★★★★★

"I needed to finance a vehicle purchase without going through the dealer. With the personal loan, I negotiated cash and saved on the price. Thank you CréditPro!"

Amélie L.
Nantes, France
★★★★★

"Impeccable service from start to finish. The fixed rate at 3% is really competitive and the freedom to use the funds is a considerable advantage. I recommend!"

Jean M.
Strasbourg, France

Frequently asked questions

FAQ — Personal Loan

No, absolutely not. This is the great freedom of the unearmarked personal loan: you do not need to provide any proof of use. The funds are paid directly into your bank account and you are free to use them as you wish, for any personal or professional project.
A personal loan is a form of unearmarked consumer credit. Both allow free use of the funds. At CréditPro, we use the term "personal loan" to emphasise the total absence of proof of use and the vocation to finance larger or more structuring projects, but both products share the same advantageous characteristics.
The 3% rate is a fixed APR. This means it is guaranteed for the entire duration of your contract. Your monthly payments will never change — neither in the event of a rise in market rates, nor for any other reason. What you sign is what you pay, from start to finish of the repayment.
Yes, self-employed workers, sole traders and liberal professions can absolutely apply for a personal loan at CréditPro. We study each application individually, taking into account your actual income. You will need to provide your last two balance sheets or turnover statements to validate your repayment capacity.
You can make a partial or total early repayment at any time, without fees or penalties. Simply make the request via your online customer area or by contacting your CréditPro adviser. In the event of total early repayment, a settlement statement will be sent to you within 5 business days of your request.

Your project deserves unrestricted financing

No proof required, fixed rate 3%, response in 24h. Apply online now.

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