Personal loan

The personal credit of Crédit Univers for the realization of your projects is a personal loan for consumption, which gives you a sum ranging from € 1,500 to € 75,000.
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About Personnal Credit

About Personal loan

  • The loan made to measure

  • A fixed rate

  • No fees

  • Free funding

The personal credit of Crédit Univers for the realization of your projects is a personal loan to the consumer It allows you to have a sum ranging from 1 500 € to 75 000 € (according to the project selected) to finance your personal projects (Auto, Works, Leisure ...) Simple and without obligation of personal contribution, you choose the amount and the duration of your loan most adapted to your budget

The transfer of the sum to your bank account is made in 48 hours from the final acceptance of your personal credit file, and at the earliest as of the 8th day following the date of signature of your credit agreement.The personal credit of Crédit Univers adapts to any type of project.

I am happy now that thanks to Crédit Univers I have been able to renovate my new home, thank you to the entire Crédit Univers team.

Note that with Crédit Univers, you can subscribe to your 100% online loan, from the simulation of your personal loan, to the electronic signature of it. quick.

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Frequent questions about personal credit

WHAT ARE THE CONDITIONS FOR ACCEPTING A PERSONAL LOAN?

In order for your personal loan application to be accepted, your repayment capacity must be sufficient to cover the monthly payments chosen, and it is also necessary that after taking out your personal loan, your debt ratio is below an acceptable threshold, which is usually around 33% of your income.

WHAT ARE THE CONDITIONS FOR REIMBURSING A PERSONAL LOAN?

The repayment period of the personal loan for your projects at Crédit Univers is 12 to 120 months, depending on the project selected, the amount borrowed and your choice. penalties, whether partial or total, when the amount of the early repayment is less than or equal to € 10,000.

You have the possibility to postpone a deadline (within the limit of twice a year) **. The date of collection is 10, 20 or 30 of the month, depending on your choice.

WHICH DOCUMENTS TO PROVIDE FOR A PERSONAL LOAN?

The list of documents to provide as part of a personal loan project is as follows:

  • Proof of address
  • Proof of identity
  • Financial justifications (pay slips, etc.)
  • Latest tax notices
  • Documents relating to any loans already in progress
WHY SUBSCRIBE A PERSONAL LOAN?

Crédit Univers offers several types of loans, among which the personal loan which makes it possible to finance various projects: AUTO / MOTO, WORKS, LEISURE ...