Find quick answers to your questions about our services, terms and financing process.
To be eligible, you must be of legal age (minimum 18), reside in Europe, have regular income and not be in a situation of over-indebtedness. Specific conditions vary depending on the type of financing desired. An advisor studies each file individually.
Yes, people on a probationary period with a permanent contract can submit an application. However, the final decision will depend on the overall analysis of your file, including your income, charges and banking history.
Absolutely. FinanSecure offers solutions dedicated to self-employed, freelancers and independent workers. We take into account your income over the last 2-3 years of activity to assess your repayment capacity.
No, a refusal from another institution does not automatically exclude you. FinanSecure performs its own independent analysis. Each file is examined individually according to our own criteria.
The application is made online via our application form
The generally required documents are: valid ID, last 3 pay slips (or last 2 balance sheets for self-employed), last 3 bank statements, proof of address less than 3 months old, and if applicable, quote or purchase order for specific loans (car, real estate...).
You will receive a preliminary response within 24 working hours after receiving your complete file. Final validation and fund release generally occurs within 3 to 7 working days depending on file complexity.
Yes. As soon as your file is received, you are put in touch with a dedicated advisor who keeps you informed at every step by email and phone. You can also contact us at any time for a status update.
No. Simulation and preliminary application do not constitute a commitment. The loan contract is only signed after your explicit agreement on the final offer presented by your advisor.
Rates are calculated based on several criteria: amount borrowed, duration, your financial profile (income, charges, history), and type of financing. Our rates start at 3.9% for real estate, 4.9% for auto and 5.5% for personal.
Any possible application fees are communicated to you before any signature and included in the APR presented in the loan offer. Our commitment: zero hidden fees, everything is transparent from the initial quote.
Annual Percentage Rate (APR) represents the total cost of your credit, including interest, application fees and mandatory insurance. It is the only indicator for objectively comparing different credit offers.
FinanSecure mainly offers fixed rates to guarantee the stability of your monthly payments. Variable rates may be offered on certain real estate products depending on your profile and preference, with a full explanation of associated risks.
Yes, early repayment is possible, in full or in part. Early repayment penalties (IRA) may apply according to applicable legal provisions, but they are always specified in your contract before signing.
Contact your advisor at the first signs of difficulty. FinanSecure can offer adapted solutions: deferral of installments, adjustment of monthly payments or rescheduling. We always prefer an amicable solution. Contact us
Monthly payments are automatically debited by transfer or SEPA direct debit on the same day each month. You choose the debit date when signing the contract. A monthly statement is sent to you by email.
All your data is processed in accordance with GDPR (General Data Protection Regulation). We use SSL/TLS protocols to secure exchanges and never share your information with unauthorized third parties. You can view our complete Privacy policy
FinanSecure operates in compliance with European financial regulations applicable to credit institutions and financing intermediaries. Our activities are declared and supervised by the competent authorities. For any information, Contact us
Our team of advisors is available to answer all your personalized questions.