Credit you understand before you sign
Before you commit, you know what you will repay each month, for how long and at what total cost. Your application is read by a person, not sorted by a scoring grid.
Submit an application Try the calculator
- Amount
- € 1,000 to € 75,000
- Term
- 12 to 120 months
- Indicative rate
- 5.90 %
Your client area
How an application works
Seven steps, like the seven stones of our arch. At the centre is the keystone: a person reviewing your application.
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Estimate
You estimate a monthly repayment, with no commitment and without giving your name.
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Application
A four-part form that gives you an application reference number.
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Documents
ID, income, proof of address: you upload them online to a secure area.
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Review
A case officer looks at your circumstances and may ask you questions.
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Written offer
Amount, interest rate, APR, repayment schedule: everything is in writing before you decide.
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Time to think
You take time to compare. Once you sign, the withdrawal period applies.
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Signing and payout
The money is paid into an account in your name, and only to you.
Estimate your monthly repayment
Move the sliders: the result updates instantly using the current indicative rate. Nothing is saved.
- The figures update as you move the sliders.
- No personal data is requested or stored.
- You can apply directly with this amount.
What we finance
Five types of loan, with indicative amounts and terms. Final terms depend on the review of your application.
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Personal loan
A sum for a personal project, with no need to show how you use it.
- Amount
- € 1,000 to € 50,000
- Term
- 12 to 84 months
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Car finance
Buying a new or used vehicle, from a dealer or a private seller.
- Amount
- € 3,000 to € 75,000
- Term
- 12 to 96 months
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Home improvements
Work on your home, whether renovating, refitting or cutting your energy use.
- Amount
- € 2,000 to € 75,000
- Term
- 12 to 120 months
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Debt consolidation
Several existing loans combined into one, with a single monthly repayment.
- Amount
- € 5,000 to € 75,000
- Term
- 24 to 120 months
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Business financing
Funds to equip, grow or run a small business.
- Amount
- € 5,000 to € 75,000
- Term
- 12 to 84 months
The cost of credit, in plain terms
Same amount, same rate: only the term changes. For € 15,000 at 5.90 %, this is what you would repay in total.
Calculated with the calculator's current settings, excluding insurance and arrangement fees. This is not a credit offer.
After signing, you have the withdrawal period provided by law.
Your time to decide is yours
We will never ask you to sign in a hurry. The written offer remains valid for the period stated, and you can show it to anyone you like before you decide.
- The offer shows the APR, the total cost and every repayment.
- You can ask questions in writing from your online account.
- If we decline, we explain why, without stock phrases.
What we will never ask you to do
Fraudsters pose as lenders. If you receive any of these requests in our name, it is not from us.
- Pay fees, insurance or a ‘guarantee’ before the money is released.
- Pay for anything with prepaid cards, vouchers or crypto-assets.
- Share a password or a code received by text message, over the phone or by email.
- Send money to an individual or a ‘solicitor’ to release a loan.
- Keep it secret or reply within the hour or lose an offer.
Questions we are asked most
Does using the calculator commit me to anything?
No. It asks for no personal data and nothing is saved. It gives a rough idea using the current indicative rate.
Why is the rate offered different from the calculator?
The calculator uses the same indicative rate for everyone. The offer takes account of your circumstances, the amount and the term.
Are there any fees to pay before I get the loan?
No. No payment is asked for before the money is released. Any arrangement fees are shown on the offer and included in the APR.
Can I change my mind after signing?
Yes, within the withdrawal period set by law. The withdrawal form is attached to your agreement.
How can I spot a fake message in your name?
We never ask for payment before the money is released, for a code received by text message, or for payment by prepaid card or crypto-assets. Any such request is fraud.
A project to finance?
Submit your application online. A case officer reviews it and replies in writing.
Talk to someone
A question before you apply? Our customer service team will answer in writing or by phone.
- +41778059418
- kontakt@solidaritycredits.com
- Mo-Fr: 08:00-18:00 * Sa: 0900-13:00