Finance your dreams with our flexible personal loans. Whether it’s for a wedding, a holiday, medical expenses, or any personal project – we have what you need.
Monthly Payment: 0 €
Total Cost: 0 €
Rate: 4.9%
No commitment • Instant preliminary approval • 100% secure
| Amount | Duration | Monthly Payment | APR | Total Cost |
|---|---|---|---|---|
€5,000 |
36 months |
€151/month |
4.2% |
€5,436 |
€10,000 |
48 months |
€221/month |
4.9% |
€10,608 |
€20,000 |
60 months |
€395/month |
5.5% |
€23,700 |
€30,000 |
72 months |
€504/month |
6.2% |
€36,288 |
*Examples are for illustrative purposes only. Your actual rates and payments may vary depending on your credit profile.
A personal loan is an unsecured loan that provides you with a lump sum of money for personal use. Unlike mortgages or car loans tied to specific purchases, personal loans offer maximum flexibility. You can use the funds for virtually any legal purpose—from debt consolidation and wedding financing to medical expenses and home improvements.
At Privat Equity, our personal loans range from €1,000 to €75,000 with repayment terms of 12 to 84 months. We offer competitive fixed interest rates starting from 2.9% APR, depending on your creditworthiness and the loan terms. Because personal loans are unsecured, you don’t need to provide any collateral, making them accessible and straightforward.
Debt consolidation : Combine multiple high-interest debts into one manageable monthly payment.
Home renovations : Renovate your kitchen, add a bathroom, or improve your property.
Major purchases: Buy furniture, appliances, or electronics without depleting your savings.
Medical expenses: Cover unexpected healthcare costs or elective procedures.
Weddings: Finance your dream wedding without financial stress.
Education: Pay for classes, certifications, or continuing education
Vacation: Create memorable experiences with loved ones.
While eligibility criteria vary depending on the lender, at Privat Equity we generally require applicants to:
Be at least 18 years old
Be French residents or hold a valid residence permit
Have a stable source of income (employee, self-employed, or retired with a pension)
Have a debt-to-income ratio of less than 40%
Provide the necessary documentation (proof of identity, proof of income, bank statements)
The Annual Percentage Rate (APR) is the total annual cost of your loan expressed as a percentage. It includes both the interest rate and all fees, giving you a complete picture of what the loan will cost you. At CreditPro, your APR depends on several factors:
Credit Score: Higher scores generally qualify for lower rates.
Loan Amount: Larger loans may have different rate structures.
Loan Term: Shorter terms often have lower rates but higher monthly payments.
Debt-to-income ratio: Lower ratios demonstrate a better ability to repay.
Income Stability: A consistent employment history improves your rate.
Check and improve your credit score before applying.
Compare offers from multiple lenders.
Consider a shorter loan term if you can afford higher monthly payments.
Only borrow what you need—larger loans often have higher interest rates.
Set up automatic payments so you never miss a payment.
Consider a co-borrower if your credit isn’t ideal.
Personal loans are versatile and can be used for almost any legal purpose: weddings, vacations, medical expenses, debt consolidation, renovations, education, or unexpected expenses.
While we prefer applicants with a credit score above 650, we evaluate each application individually. A lower score does not automatically disqualify you—we consider your complete financial profile.
Once your application is approved and all documents are verified, the funds are usually transferred to your bank account within 24 to 48 hours.
No! All our personal loans have no early repayment penalties. You can repay your loan early and save on interest.
You will need a valid form of identification, proof of income (last 3 payslips or tax returns if self-employed), recent bank statements (last 3 months), and proof of current address.
Yes! Self-employed individuals are welcome. You will need to provide additional documents such as tax returns and business bank statements.
The APR (Annual Percentage Rate) represents the total annual cost of your loan, including interest and fees. A lower APR means lower overall costs. Your specific APR depends on your credit profile and the loan terms.
Yes, we offer flexibility with payment dates. Contact our customer service team to arrange a payment schedule that aligns with your income cycle.
We understand that unexpected things happen. If you’re having trouble making a payment, contact us right away. We may be able to arrange a payment plan or a temporary deferment. Late payments can incur fees and affect your credit score.
Absolutely. We use bank-grade 256-bit SSL encryption and are fully compliant with GDPR regulations. Your data is never shared with third parties without your explicit consent.
