Express Finance

Consumer credit · Authorised lender

A clear loan, from the first click to the last payment.

Simulate your loan in seconds, see the total cost before committing, and apply online securely.

  • Authorised by 349974931, no. FR06349974931
  • No fees requested before the funds are paid out
  • 14 days to withdraw

Simulate your loan

€10,000
€4,000€50,000
48 months
12 months84 months
Estimated monthly payment€233.93/ month
Fixed APR
5.96%
Fixed borrowing rate
5.80%
Total cost of credit
€1,228.87
Total amount payable
€11,228.87

Indicative simulation, excluding optional insurance. Offer subject to review of your application and approval by the lender.

A smiling family in front of their house

Representative example

For a personal loan of €10,000 over 48 months, you repay 47 monthly payments of €233.93 followed by a final payment of €234.16. Fixed borrowing rate 5.80%, fixed APR 5.96%. Arrangement fees: €0.00. Total amount payable: €11,228.87, i.e. a total cost of €1,228.87. Optional insurance not included.

How it works

  1. Simulate

    Choose the amount and term. The total cost is shown before anything else.

  2. Apply

    Secure online form. Your documents are only sent from your personal account.

  3. Affordability check

    We check that the loan suits your income and outgoings, as required by law.

  4. Offer and signature

    You receive the European information sheet, sign your contract and have 14 days to withdraw.

Our loans

Personal loan

For any project, with no need to justify how the money is used.

€4,000 – €50,000 · 12 to 84 months
Fixed APR 5.96%

Find out more

Car loan

Finance your new or used vehicle at a fixed rate.

€3,000 – €60,000 · 12 to 84 months
Fixed APR 5.12%

Find out more

Borrow with confidence

Everything is shown

APR, total cost, schedule: you know every euro before signing.

No upfront fees

We never ask for a payment before the loan is paid out. Ever.

Protected data

Encrypted connection, documents stored in a secure area, GDPR compliant.

Our advice

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Frequently asked questions

All questions
Do I have to pay anything before receiving the funds?
No. No arrangement, insurance, guarantee or “release” fee is ever requested before the loan is paid out. If someone asks you for a payment in our name, it is a scam: do not pay and report it to us.
How can I check that you are authorised to lend?
Our authorisation number appears at the bottom of every page, with a link to the supervisor’s official register where you can check it yourself.
Which documents do I need to provide?
A valid ID, proof of address under 3 months old, your last 3 payslips or latest tax notice, and bank details. They are only uploaded in your secure account, never by email or messaging apps.
How long does it take to get an answer?
As soon as your file is complete, we review it and reply by email. Timing mostly depends on how quickly the documents are provided.

Borrowing commits you and must be repaid. Check that you can afford the repayments before committing.