Online personal loan
Submit an express application and get an immediate response for your personal loan.
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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Get a personal loan online
Buy a car, renovate your home, escape for a well-deserved break, or all of the above? Why not? Take advantage of a personal loan: MsCredit helps you make your projects a reality. No need to choose.
A personal loan guarantees monthly payments tailored to your project and, above all, 100% online management to simplify the process!
In just a few minutes, you can simulate a personal loan and get an almost immediate preliminary decision. Simulate your project in just a few clicks.
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!
Apply for your personal loan online
For all personal loan applications, you have access to a fixed interest rate for the entire duration of your contract.
You repay your personal loan according to the agreed-upon schedule. How does it work? Your monthly payments consist of a portion of the principal borrowed plus the interest on your online personal loan, in accordance with the law.
Why make it simple when you can make it even simpler?
- Fill out the form
- Upload my supporting documents online
- Sign my contract
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.
Your fast, 100% online personal loan application
Administrative procedures are simplified with electronic signatures! All your loan agreements and administrative documents are digitized.
The result: your financing applications are processed faster and, above all, simpler.
To prepare your personal loan application, nothing could be easier: simply simulate your personal loan amount online, submit your application, upload your scanned supporting documents, and sign your contract! It’s quick and secure.
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 personal loan?
A personal loan is a type of consumer credit designed to finance personal projects, excluding the purchase of real estate. It allows you to obtain a sum of money that you can use freely, without having to justify how you use the funds to the lender.
How does a personal loan work?
A personal loan is an amortizing loan. After your application is approved, the funds are deposited into your account in a single payment. You then repay the borrowed amount in fixed monthly installments over a period defined when you take out the loan.
Each monthly payment includes a portion of the principal borrowed, as well as interest and, if applicable, additional fees such as borrower’s insurance or processing fees.
The interest rate applied depends on the financial institution and the loan’s characteristics. Generally, a shorter repayment period reduces the total cost of the loan. Conversely, repayment periods spread over a longer period generally result in a higher overall cost.
What is the difference between a personal loan and a secured loan?
The main difference lies in the use of the funds.
A secured loan is exclusively intended to finance a specific purchase or project, such as a vehicle, renovations, a trip, or a wedding. The borrowed funds must be used for the project specified in the contract.
A personal loan, on the other hand, offers complete freedom of use. You can finance one or more projects according to your needs, without having to provide any justification for how the funds will be used.
Why choose a personal loan?
Personal loans are appealing because of their flexibility. They allow you to freely finance various projects, whether it’s a major purchase, a cash flow need, or several simultaneous expenses.
The funds are available quickly and can be used according to your priorities, without constraints related to the nature of the project being financed.
What are the advantages of a secured loan?
A secured loan is a suitable solution for financing a specific project requiring a significant investment, such as purchasing a vehicle, carrying out renovations, installing a swimming pool, or organizing a trip.
Its main advantage lies in the protection it offers the borrower. Indeed, if the sale of the goods or the provision of services is canceled, the loan agreement is automatically terminated under the conditions stipulated by applicable regulations.
What are the different types of personal loans?
A personal loan is a flexible financing solution that allows you to realize many projects without having to justify how you use the funds. Whether you want to buy a vehicle, carry out renovations, organize a trip, finance a wedding, or enjoy your leisure activities, there’s a loan option to suit your needs.
Thanks to our free simulator, quickly get an estimate of your financing, discover your monthly payments, and apply for your loan directly online, with ease.
Financing the purchase of a vehicle with a personal car loan
A personal car loan is designed for individuals wishing to purchase a new or used vehicle. Depending on your project, you can borrow between €6,001 and €75,000, with a repayment period of between 6 and 84 months.
This financing solution allows you to:
- Buy a new or used car without a down payment;
- Replace your current vehicle with a newer or more efficient model;
- Finance a recreational vehicle such as a motorcycle, scooter, quad bike, camper van, or classic car;
- Cover major repair or maintenance costs;
- Fulfill your passion for motorized vehicles.
Home Improvement Loan for your renovation and remodeling projects
Do you want to renovate your home, improve your comfort, or modernize your interior? The Home Improvement Loan can meet your needs.
Available for amounts ranging from €6,001 to €75,000, it is repayable over a period of 6 to 96 months depending on your situation.
This financing can be used to:
- Replace your windows;
- Improve your home’s insulation;
- Renovate a kitchen or bathroom;
- Install a heating or air conditioning system;
- Build a deck or swimming pool;
- Redecorate the interior or exterior;
- Purchase furniture or appliances;
Financing a move or relocation.
For work related to energy-efficient renovations or the installation of renewable energy equipment, repayment terms of up to 120 months are available.
Financing a trip with a personal loan
A personal loan can also help you realize your travel plans. Easy to apply for and entirely accessible online, it allows you to finance your vacations, tours, trips abroad, or family vacations.
Starting at €6,001, you can benefit from financing with no down payment and no proof of how you will use the funds. You choose the repayment term that best suits your budget, generally between 6 and 84 months.
Simple, fast, and flexible, a personal loan supports you in achieving all your goals.
Contractual and Mandatory Information for Personal Loans
How to Apply for a Personal Loan?
Once you have planned your project and carefully considered your financing needs, MsCredit’s online loan simulator allows you to determine the personal loan that best suits your financial situation. With just a few clicks, you will know the exact amount of your future monthly payments, the interest (thanks to the fixed APR), and the repayment period for your personal loan.
What Supporting Documents Are Required to Apply for a Personal Loan?
Once the loan simulation is complete, you can submit your loan application. You will be asked to fill out a short application form to receive your request and begin processing your file as quickly as possible. Between submitting your application and finalizing your personal loan agreement, certain supporting documents will be required. In addition to a copy of your ID (front and back) and your bank account details (RIB) (to transfer the borrowed funds to your bank account), you will be asked to provide your latest payslips, your most recent tax assessment, and proof of address.
How long will it take to receive the borrowed funds?
Once you have submitted your personal loan application and sent the required documents, we will verify the completeness and eligibility of your application before approving it. As soon as it is accepted, the contract is drawn up, and you have a legal right of withdrawal of 14 days if you change your mind and wish to cancel it. Thanks to electronic signatures, the approval process is simplified and allows you to receive the borrowed funds more quickly.
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
After receiving your application, a final review will be conducted within 8 business days. The decision will be communicated to you by email, text message, or mail.
For all loan applications, supporting documents will be required. These may vary depending on the type and amount of the loan requested.
To save time when submitting your application, we recommend that you have the following documents ready:
A valid copy of both sides of your identification document (French national identity card, European Union passport, or French residence permit)
Proof of address dated within the last 3 months
A bank statement (RIB)
Other documents may be requested later.
Many factors are taken into account when analyzing a loan application, and each application is subject to a personalized review, in accordance with the law. In particular, we verify that the offer is well-suited to your needs and financial situation (borrowing capacity).
As part of this process, you will be asked for certain information, including details about your income, expenses, and, if applicable, any outstanding loans.
As part of a loan application, certain supporting documents may be required.
A personal loan simulation will allow you to manage your budget effectively beforehand. You can also use this opportunity to adjust the amount, duration, and interest rate to minimize the impact on your repayment capacity.
To choose the loan that best suits your needs, it’s advisable to start by running a personal loan simulation.
This allows you to calculate your monthly loan payments.
Thanks to the simulation, you can also more easily choose the amount and term of your loan. Depending on your income and monthly budget, you might prefer to opt for a shorter loan term with higher monthly payments, or vice versa.
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.