Personal loan: credit without proof
Personal loan: credit without proof

A credit commits you and must be repaid. Check your repayment capacity before you commit.

Simulate your Personal Loan

Credit simulation form

For your project, have you considered Passport Credit revolving credit?
His advantages :
A personalized amount of credit adapted to your budget and your needs,
An available amount that is replenished as repayments are made,
Advantageous pricing adapted to the projects.

PERSONAL LOAN CREDIT PASSPORT
monthly payment€117.76€117.76
> Of which optional insurance III€5.71€5.71
Amount borrowed€5,000.00€5,000.00
Duration48 months48 months
Total cost of credit€527.71 €502.71
economy €25.00
> Including unlocking costs IV€25.00EUR0.00
> Of which interest€502.71€502.71
APR I5.12%4.85%
Total cost of optional insurance III€147.86€147.86
TAEA II1.48%1.47%
Fixed borrowing rate4.75%4.75%
Continue without obligationContinue without obligation

I : The APR represents in the form of a percentage all the compulsory costs for obtaining a credit. Thus, it includes the debit rate (which makes it possible to calculate the interest received), any administrative fees and the cost of insurance only when they are compulsory.

II : The TAEA, for effective annual rate of insurance, makes it possible to evaluate the cost of the proposed insurance.

III : The insurance covers Death and Total and Irreversible Loss of Autonomy, Total Temporary Incapacity for work after a deductible of 90 days and Total Permanent Disability. The amount indicated corresponds to the first insurance contribution, decreasing over the duration of the credit. It represents an average monthly cost of EUR 3.08 for the Credit Passport. For Classic Credit, the insurance covers Death and Total and Irreversible Loss of Autonomy, Total Temporary Incapacity for work after a 90-day deductible and Total Permanent Disability. The amount indicated corresponds to the first insurance contribution, decreasing over the duration of the credit. It represents an average monthly cost of 3.08 EUR .

IV : The fees cover the administration fees for depreciable loans and the unlocking fees for the Passport Credit revolving loan.

V : A formula combining a car loan and the insurance of your car which allows you to benefit from a more advantageous loan rate.

4 steps to take out your loan

  1. Simulate your credit and complete your application online
  2. Get an immediate response
  3. Return the requested documents
  4. Sign your contract electronically

Crédit Mutuel's commitments

  • Efficient processing of your case
  • A personalized follow-up of your request

Example: for a depreciable loan in the amount of €5,000 and for a period of 5 years, you repay 59 monthly installments of €93.78 and a last of €94.09. Annual percentage rate of charge (APR) fixed at 5.29% (fixed borrowing rate: 4.75%). Total amount owed by the borrower: €5,677.11 including €50 administration fee. The amount of the monthly payments indicated above does not include the optional insurance usually offered: Death, Total and Irreversible Loss of Autonomy, Disability and Incapacity for Work insurance. Insurance calculated on the outstanding capital, with an amount of 1time monthly contribution of €5.83, a total amount over the duration of the credit of €186.53 and an effective annual rate of insurance (TAEA) by 1.48%. Conditions as of 01/04/2021.

In detail

Finance any type of purchase

The personal loan makes it possible to finance any type of purchase (sofa, home cinema, television, travel, etc.)1.

Without proof, you can finance your desires, without having to specify the subject of your request.

Attractive loan conditions

You borrow the amount you want, from a minimum amount of €1,000, covering up to 100% of your purchase.

You choose the duration of your loan (up to 60 months) and the monthly withdrawal date for your repayments (depending on the payment of your income). Beyond this period, contact your advisor.

You can make an early repayment.

Financing formulas for all your projects

To finance your projects, 2 formulas to choose from:

  • Classic Personal Loan : a solution that adapts to your project.
  • Crediplan : an attractive specific offer. Each month, you repay your loan and, at the same time, you save for your future projects. At the end of the loan, you recover approximately 25% of the amount borrowed.

Modulconso, a refund break if you wish

You can choose to suspend your credit for one or two months in the year (month of vacation, payment of taxes, etc.).

In this case, you choose:

  • either the duration of the loan is maintained but the amount of your installments increases;
  • or these deadlines are postponed, thus increasing the duration of the loan.

You can also choose to activate Modulconso during the loan. In this case, the deadlines (always within the limit of 2 monthly payments per year) will be postponed until the end of your credit.



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