Mini loan
We can finance you in one click over 3 months, from €500 to €3,000.
Our personal loan offer
For a personal loan of €14,000, with a term of 48 months and the first payment due in one month, at a fixed Annual Percentage Rate (APR) of 2.50%, you will repay 48 monthly installments of €303.73, for a total amount due of €14,579.12.
The cost of optional insurance, calculated based on coverage for Death, Total and Irreversible Loss of Autonomy, and Disability for a single borrower, is €2.07 per month and is added to the loan repayment installment (if you have opted for it).
The total amount due by the borrower for insurance over the entire loan term will be €24.84, for an Annual Percentage Rate of Charge (APRC) of 1.57%.
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What is MsCredit financing?
It’s a 3-month loan for expenses ranging from €200 to €3,000.
It’s the ideal tool for managing your budget in case of unexpected expenses and the perfect partner for those impulse buys!
The application process is entirely online, with immediate disbursement of funds if you wish.
Finance your project at your own pace
Discover our installment payment options, credit options, mini-loans and bank cards
Simplicity above all
- 100% online
- Repayment speed according to your preferences.
No need to open an account to get a bank card!
Our priority? Speed
- Fast transfers
- immediate response in principle
- Your mini loan in 24 hours
When you need money, you need it right away!
Being smart pays off!
- Cashback on your everyday purchases
- Attractive rates on all our offers.
Doing your shopping and filling your piggy bank at the same time, how nice!
MsCredit and Cash Advances: The Quick and Convenient Solution
Do you have an immediate need?
- Request the desired amount in just a few clicks;
- The money is quickly transferred to your account;
- You then repay in several monthly installments, according to your budget.
This 100% digital solution is ideal for meeting an urgent need for money, without unnecessary paperwork. Management is straightforward, payment due dates are visible in your personal account, and you remain in control.
Get your online loan in just 3 simple steps!
Our mission is to simplify your online loan application. As an expert consumer credit broker, fully digital and 100% secure, Mscredit makes the process easy.
Submit your request
Fill out the form in less than 8 minutes, either on our website or in store.
Final answer
You will receive a final answer from us within 48 hours.
Get your loan
You will receive the funds within 8 to 14 days, depending on your choice.
At Dineo, we've already helped over 1,200,000 customers.
Want to get your first loan now?
Borrow up to €3 000 and repay it in 30 days.
Be an MsCredit member for at least 13 months
You must meet two main conditions to apply for the mini-loan:
- be an adult MsCredit member;
- have held an insurance policy for at least 13 months.
You can borrow alone or with a co-borrower who is also an adult. In the latter case, only one of the co-borrowers needs to be an MsCredit member.
Our mini-loan allows you to borrow a minimum of €500, without needing to provide proof of purchase. A flexible and advantageous solution to finance all your needs.
Advantages of quick loans
Receive up to €1,500 in your account in less than 24 hours.
Your first loan of €250 to €300 is free and at 0% APR.
Security
We use the most advanced data encryption tools to guarantee your privacy.
Transparency
Know from the start the exact amount you will have to pay.
Flexibility
Delay repayment of your quick loan, increase the amount requested.
Trust
the confidence of belonging to the leading financial group
What our customers say about us
Your story is our reason for being. Genuine testimonials of success and progress from our clients
Rebecca Pepi
Thanks to MsCredit, we were able to resolve our financial problem quickly and easily. Their friendly and professional service fully satisfied us.
Maria Willmer
I have nothing to reproach them for... on numerous occasions, they have helped me overcome many problems...
Loan
Personal Loan Insurance Protects You
Unexpected events can happen to anyone. So consider insuring your personal loan.
By insuring your personal loan, you protect yourself in case of unforeseen events (job loss, death, total or irreversible loss of autonomy).
Have a Project in Mind?
Access the best offers tailored to your situation via our loan simulator.
What is a microloan?
A microloan is a form of consumer credit, generally for amounts between €100 and €3,000, with a short repayment period. This type of loan is designed to meet a temporary need for money, without necessarily going through a lengthy or complex process.
The application can often be made online, with simplified supporting documents (such as proof of income and identification), and a preliminary response is obtained relatively quickly, even instantly with some lenders. Repayment is then spread over a few months, with an APR that is generally higher than that of a personal loan, because the amount borrowed is smaller and the term shorter.
In practice, the details of a microloan can vary from one lender to another, as each institution sets its own rules! The final amount can therefore vary considerably.
When to Use a Microloan?
A microloan can be considered in many situations, often urgent or unexpected. Here are a few examples that might lead you to think about this lifeline!
- Repairing your car, an essential tool for getting to work;
- Dealing with a leak or a broken appliance… Never pleasant, we agree;
- Managing an unexpected expense (a large gift, back-to-school costs, or medical expenses);
- Launching a small personal or professional project, such as repairing your roof or buying supplies.
In all cases, a microloan can provide a quick boost, provided you check your repayment capacity… As with any decision!
Mini loan or personal loan: which to choose?
While both fall under the umbrella of consumer credit, mini loans and personal loans address very different needs. Mini loans are often primarily aimed at those with a one-off, often urgent, need for just a few hundred euros.
At MsCredit, this takes the form of a Cash Advance directly accessible through your online account. A personal loan, on the other hand, is a more traditional and structured financing solution. It allows you to borrow larger sums (up to €75,000) to finance a more substantial project: renovations, a car purchase, a wedding, a trip, etc. This type of loan can be repaid over several months or even years. While the disbursement of funds takes a bit longer, you benefit from a fixed monthly payment and greater flexibility in the repayment period.
In short? A mini loan is convenient for quick fixes without formalities, while a personal loan is better suited to larger projects, with a broader scope. One doesn’t replace the other; they complement each other depending on your current needs.
For what types of urgent needs is microcredit suitable?
There are many everyday situations where you might need money quickly: buying a car (motorcycle or scooter), replacing a washing machine, repairing your vehicle, paying medical expenses, covering a large overdraft, or dealing with unexpected costs.
Express loans are perfectly suited to these kinds of unforeseen financial situations, as they can finance any type of project, provided the borrower is able to repay their microcredit each month according to the agreed monthly installments and interest rate set with the lending institution.
Furthermore, thanks to the speed of the application, the processing of the file, and the receipt of the borrowed funds, it allows you to quickly address a need that often cannot wait until you take out a traditional bank loan, which you are not even guaranteed to obtain.
How to get a microloan quickly?
First, we strongly advise you to compare all the online microloan offers, both in terms of the financial aspects, such as interest rates, and customer reviews, particularly Google ratings, which are a good indicator of the quality and reliability of the lending institution you choose.
Next, it’s easier to determine how much you want to borrow and how many months you’re willing to repay it over—what are called monthly repayments. As you know, taking out a loan is a contract between you and the lending institution, and you commit to repaying it. Therefore, it’s important to consider the impact of this repayment on your monthly budget beforehand.
Once you’ve completed these first two steps, applying for an express microloan online is relatively simple and quick.
The application process is 100% online and takes less than 5 minutes. This is a quick questionnaire where you’ll need to share some personal, professional, and family information. The goal is to get a better understanding of your profile and assess how well your application aligns with your circumstances, especially to ensure you don’t experience financial hardship and that you can repay the loan, so everything goes smoothly.
At the end of this simple and quick questionnaire, you’ll receive a preliminary response indicating whether your loan application has been pre-approved or rejected.
Contractual and Mandatory Information for Personal Loans
Online microcredit aims to be as universal as possible, particularly because it allows people usually excluded from the traditional banking system to also be able to borrow money.
However, the following conditions must be met:
- The borrower must be of legal age (over 18 years old)
- Reside in Europe
- Have a bank account in their own name
- Not be listed in any banking databases
To do this, you will need to provide an identity card, a bank statement (RIB), proof of income and address, and your most recent tax assessment.
Furthermore, individuals listed in the National Register of Payment Incidents for Consumer Credit (FICP) or the Central Check File are not eligible for a loan.
Beyond these considerations, which are primarily related to verifying the applicant’s identity, it’s crucial to remember that different online lenders have their own criteria for accepting or rejecting loan applications.
Other factors that will be observed and taken into account include: the applicant’s personal situation, professional situation, family situation, financial stability, the number of existing loans, and their management of daily expenses and budget.
It’s important to note and bear in mind that taking out a loan is not a trivial matter, as it commits you to repaying it. Failure to do so can lead to a difficult financial situation.
Our mission
The fintech expert in 100% digital neo-brokerage
We developed our company following an observation: the consumer credit market lacks clarity, the procedures are lengthy, and consumers get lost in a flood of unsuitable and discouraging offers!
Frequently Asked Questions
To get a loan quickly, it’s advisable to meet all the necessary requirements for applying: proof of identity, a debt-to-income ratio below 33%, a stable financial situation, being over 18 years old, and checking for any other specific conditions set by each lending institution. This will increase your chances of getting a microloan quickly. At MsCredit, you can generally receive the funds in your account within 48 to 72 hours after signing your contract.
There are several possible reasons: your application is incomplete (proof of identity, address, etc.). You have a debt-to-income ratio higher than 33%, or you are registered with the French National Register of Payment Incidents (FICP). To avoid this, ensure your supporting documents are consistent, be honest with the lending institution about how you intend to use the funds, and optimize your financial situation before applying for a loan.
Microcredit is a loan intended for a wide range of people. Generally, those excluded from the banking system (the unemployed, those with low incomes, etc.) turn to this type of loan. But anyone can apply for microcredit.
Yes, most of the time, even a small €500 loan includes interest or fixed fees. This can represent a relatively high cost compared to the amount borrowed. It is therefore essential to compare offers to choose the cheapest one.
Finance your project at your own pace
Discover our installment payment options, credit options, mini-loans and bank cards
Car Loans
Lower interest rates make car loans an attractive option for buying a car.
Discover our fast loan offers with our customized simulator and get on the road to your dream car without being held back by budget constraints.
Consumer Credit
Consumer credit is a specific type of credit.
Consider reading our guides and news articles that discuss financing options for consumer products.