Our loans

Four ways to finance, set down in writing.

IPersonal loan

A loan written the way you'd write to a notary.

From €5,000 to €100,000, over 6 to 120 months. Guaranteed fixed rate, eIDAS electronic signature, disbursement within 24 hours of accepting the offer.

Fixed rate between 4.90 and 6.40%
No arrangement fee, no tied insurance
14-day right of withdrawal guaranteed by law
View terms

Personalized simulation

// LIVE
22 500
Term36 months
Monthly payment682,40 €
Fixed APR5,90 %
Total cost2 056,40 €
IIVirtual Bonsai card

A card tied to the application, issued within 24 hours.

Independent credit line, limit adjustable quarterly, compatible with Apple Pay and Google Pay. The full number never appears in our emails.

Limit adjustable from €1,000 to €25,000
End-to-end encryption, data hosted in Madrid
One-click temporary freeze from the portal
Request a card
IIIStructured loan contract

One contract, readable in two pages.

Complete amortization schedule provided on the day of signing. Rate, monthly payments, guarantees, penalties: everything is written on the first page, with no fine print buried on the fourth page.

Qualified eIDAS electronic signature
Amortization schedule provided on the spot
14-day withdrawal period, no justification required
View a sample contract
Personal loan contract
CR-20260520-0048 · LC-2026-A1024
Signed via eIDAS
Principal
22 500,00 €
Term
36 months
Fixed APR
5,90 %
Guarantee
Credit insurance
MonthRemaining principalMonthly payment
0122 070,72682,40 €
0221 639,29682,40 €
0321 205,69682,40 €
··· thirty-six lines ···
IVPayment links

Pay an installment, in a single link.

The admin issues a tokenized link that expires after 30 days. The recipient opens a secure page and pays by card or SEPA transfer. No account required.

64-character encrypted, single-use token
Payment by card or SEPA transfer
No redirection to a third party, hosted in Europe
View the payment flow

Rate transparent, in force this month.

// pricing as of 15.06.2026
Product Amount Term Fixed APR Estimated monthly payment
Personal loan · Essentialup to €15k 5 000 – 15 000 € 12 – 36 months 6,40 % from €152
Personal loan · Standardfrom €15k to €50k 15 000 – 50 000 € 24 – 84 months 5,90 % from €268
Personal loan · Premiumfrom €50k to €100k 50 000 – 100 000 € 36 – 120 months 5,20 % from €580
Bonsai card · adjustable limitquarterly review 1 000 – 25 000 € renewable 7,90 % depending on usage

Choosing a loan is not a product. It's a commitment.

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