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Deutsch English español français italiano latviešu Nederlands português
A firm open to applications median decision 48 h

Loans, reviewed with care,
disbursed in two days.

A European finance firm that reads every application the way one tends a tree. Slowly. Precisely. With the same hand from start to finish.

Start my application View a sample application
Everything is written down no hidden fees

A single rate, set on the first line
of the contract.

No indicative range, no "starting from". The APR is shown at the top of your offer, guaranteed until the final payment.

Start my application View our commitments
A person, not an algorithm

One advisor,
from the first call
to the final payment.

The advisor who reads your application then signs your contract. Their direct number is on the first page — never an anonymous switchboard.

Start my application Talk to an advisor
09:41

Hello Amélie,
your loan was disbursed this morning.

Funds received
22 500€
BONSAI
•••• •••• •••• 4732

Remaining principal

months 18 · 11 940 €
View contract
Your offer Contract
5,90%
Guaranteed fixed APR
Principal22 500 €
Term36 months
Monthly payment682,40 €
No arrangement fee · no tied insurance
MB
Mathilde B.
Loan advisor

"Hello Amélie, I read your application this morning. I'll call you at 4 PM, does that work for you?"

Responds within 24 hours Direct line
// An application told

Four days, told to the hour. The same advisor, from start to finish.

Monday · 9:32 AM

Amélie submits her application in seven minutes.

Four fields, two supporting documents. No obligation to go all the way. No impact on her credit score.

Monday · 2:18 PM

Mathilde calls her back. Two specific questions.

Check that the project holds together, clarify a point about income. Not one more form to fill out.

MB
Mathilde B. · Advisor

« Hello Amélie, I read your application this morning. I'll call you at 4 PM, does that work for you? »

Tuesday · 11:47 AM

One offer, set down in writing.

No indicative range, no "starting from". One amount, one rate, one monthly payment, read on the first page of the contract.

Principal22 500 €net Term36 monthsfixed TAEG5,90 %guaranteed Monthly payment682,40 €constant
Wednesday · 8:04 AM

The principal arrives in her account.

Transfer recorded 23 hours after the electronic signature. Fourteen days to withdraw, guaranteed by law.

€
+ 22 500,00 € BONSAI FINANCE · CR-20260520-0048
Month 18 · later

Everything is going as planned.

No monthly payment deferred, no fees added. Remaining principal: €11,940. Mathilde remains her point of contact until the final payment.

Our commitments

Everything is written down. Nothing is hidden.

A single rate, written on the first line.

The APR is shown at the top of your contract. No obscure pricing grid, no "starting from" wording.

No tied insurance, no arrangement fee.

The total cost of the loan holds no surprises. Anything not in the contract does not exist.

A decision reviewed by a person.

Not an algorithm alone. The advisor who reads your application will then sign your contract.

Fourteen days to withdraw.

Guaranteed by law. No justification required. The funds received are returned without penalty.

Your data stays in Europe.

Hosted in Madrid, end-to-end encryption. Never shared with third parties, never for commercial purposes.

An advisor whose name you know.

From the first call to the final payment, the same person. Their direct number is on the first page.

// 2025 · without dressing up
The same figures we ask of our peers.
42,8M€
Total principal deployed in 2025. Up 38% year over year, with no change to our pricing.
73%
Applications approved after review by a human advisor.
48h
Median time between a complete application and the signed offer.
0,74%
Default rate at 36 months, versus 2.1% on average across Europe.

The best time to submit an application remains now.

Start my application

// free simulation · no impact on your credit score