- Rua Frederico George, 1600-012 Lisboa
- kred@kredimo.net
- +39 350 198 0007
Representative example: For a personal loan of €7,000 (excluding optional insurance), repayable over 36 months at a fixed APR of 3.76%.
Granted by a bank or credit institution, a personal loan is characterized by its flexibility and the freedom it offers the borrower. This type of loan provides the borrower with a sum of money that they can use without having to justify its purpose. It allows individuals to finance various projects, with access to funds of up to €35,000.
A personal loan is therefore not intended to finance a specific purchase, as is the case with a secured loan. The loan amount can be used to buy consumer goods (household appliances, computer equipment, furniture, cars, etc.) as well as services of all kinds (expenses related to moving, a wedding, a trip, studies, etc.). It can also help to cover unexpected expenses. This includes, for example, taxes, divorce, or medical expenses.
This consumer loan is unique in that it offers the borrower significant flexibility. Indeed, you can choose the monthly payments that suit you by adjusting the contract duration according to your repayment capacity.
When you take out a personal loan, you have the option of taking out borrower’s insurance. At kredimo, we offer several options, including borrower’s insurance for personal loans. This insurance covers you and your loved ones in various situations, such as:
As part of your personal loan, kredimo provides you with various practical guarantees and assurances of peace of mind.
Available anytime from your computer, the kredimo chatbot lets you ask your questions intuitively. Several options are available: car, home improvement, motorcycle, for example. Simply select your project. Then, just follow the prompts by choosing the amount you wish to borrow. Depending on your answer, you'll receive several proposals, including the loan term, your monthly payments, and the APR.
The safest and fastest way to pay your personal loan installments remains direct debit. If this isn't already activated, you can easily set it up in your online account. You can also choose to pay by check. If you choose to pay your personal loan by check, it's essential that the check for your monthly installment reaches kredimo before the 23rd of the month. Don't forget to write your loan reference number on the back of the check.
A personal loan can be classified as either earmarked or unearmarked, depending on how you use the borrowed money. A loan is considered "earmarked" when you use it to purchase a specific good or service (car, home improvements, etc.). An unearmarked loan, on the other hand, allows you to use the money from your personal loan without having to provide any justification for how it is spent.
Our loan calculator allows you to run an online simulation of a personal loan. Following this no-obligation simulation, you can submit a loan application online. To approve your personal loan application, we take numerous factors into account, and each application undergoes a fully personalized review, in accordance with the law. Therefore, when you submit your signed and dated application, we will ask you to provide various supporting documents, in addition to information about your income, expenses, and any existing loans: national identity card or passport, bank or postal account statement, proof of address dated within the last three months, proof of income, and your most recent tax assessment or non-assessment notice, among others.
If you applied for a personal loan after your loan simulation, a final review will be conducted within 8 business days of receiving your application. kredimo will notify you of its decision by email or SMS. Your funds will be sent within 48 hours of final acceptance of the loan agreement (within the 14-day legal withdrawal period from the date of your signature). However, you can receive the funds from the 8th day after acceptance of the agreement if you request this by checking the box on your contract: "Yes, I wish to receive the funds from the 8th day."
kredimo offers several financing solutions to precisely meet your needs. Indeed, your expectations will differ depending on whether you want a line of credit that replenishes with each repayment or if you wish to finance the purchase of a car.
If you wish to settle an outstanding payment related to your personal loan, several options are available to you.
With a personal loan, it is indeed possible to request a payment holiday, subject to certain conditions. Don't hesitate to contact your advisor so they can review your situation. Note that the missed payment will then be added to the end of the loan term, thus extending the repayment period of your car loan or home improvement loan, for example.
