Frequently asked questions
Short answers to the most common questions.
- How long until I get an answer?
- A decision on the application is provided within 1–2 business days. Once approved, the loan is disbursed within 10 business days at the latest, depending on the loan type.
- Which documents do I need?
- The basic set: passport or ID card and public services number (social card). Secured loans additionally require ownership and valuation documents for the property.
- What is the annual percentage rate?
- It shows what the loan will actually cost you: it includes interest and all mandatory payments, assuming they are made in full and on time. This is the figure to compare offers by.
- Can I repay early?
- Yes. Early repayment is allowed at any time and no penalties or fines apply. The total cost of credit is reduced proportionally.
- What happens if I am late?
- A penalty of 0.13% per day accrues on the overdue amount. Details of the delay are sent to the credit bureau within 1–3 business days and appear in your credit history.
- Can I borrow without registered income?
- Yes, there are unsecured programmes that do not require registered income. A monthly servicing fee applies in that case, and the decision is based on credit history and internal scoring.