The advantages of a personal loan
at Tec Finance Credit

The advantages of a personal loan at Tec Finance Credit

Sometimes you don’t have enough cash to finance the project of your dreams. Planning a wedding, a trip, changing cars, or doing chores are expensive life projects that sometimes require a personal loan.
At Tec Finance Credit, we offer you a new 100% online personal loan experience for the financing of your project; you can sign your contract remotely and directly download your documents required to complete your personal credit report.
This online personal loan application experience is simple, fast and transparent. A financing solution that allows you, in addition, to benefit from a particularly attractive fixed annual borrowing rate (or annual percentage rate). Enough to bring your project to life without having to worry about the next day!


What is a personal loan?
A personal loan is a credit that is said to be « unaffected ». Indeed, the amount borrowed from a personal loan does not correspond to the precise purchase of a good (car, motorcycle, real estate, etc.). Therefore, the personal loan is not triggered on presentation of an invoice as for « assigned » loans, but simply meets a household cash requirement.
Ultimately, the borrower is free to use the amount of credit as he sees fit, whether for financing a consumer good (car, refrigerator, food, etc.) or for any other service.
This type of credit can be issued either by a bank or by a financing organization specializing in loans.
The repayment of a personal loan is usually done every month. Its duration, stipulated in the contract, varies according to the amount of the loan and the financial capacities of the borrower. The monthly payments take into account the total amount of the loan and its duration, the APR (annual percentage rate) as well as the insurance, if the borrower has subscribed to it.




Amount and duration of a personal loan
The personal loan is framed by the Consumer Code, which defines a minimum and maximum duration and amount. As such, it allows you to borrow from € 1,000 to € 50,000 from Finance Credit Service. As for the repayment period, it ranges between 6 and 84 months.

Generally, the first monthly payment occurs 30 days after the funds are made available. The exact date of withdrawal of this monthly payment is stipulated in the contract. The organization granting you the funding can also grant you a payment deferral of 2 to 3 months, but this is not systematic.


At Tec Finance Credit, the first monthly payment is withdrawn on the 4th of the second month following the availability of your funds.Good to know: a fixed interest rate While the APR (annual percentage rate of charge) varies in particular depending on the amount and the duration of the loan, it does not change in any way during the course of a personal loan. Also note: the APR includes all costs associated with the credit.

Quick cash credit via a personal loan

The personal cash loan is nothing more or less than a consumer credit. This type of consumer credit can be fixed APR or variable APR.


As with any other consumer credit, the cash loan is necessarily the subject of a contract between the bank and the borrower. The borrower has to pay what are called monthly repayment installments. The amount of these monthly payments depends on both the duration of the credit, the total amount borrowed and the rate applied. The big advantage of the cash loan? 


The borrower can simply use the amount granted as a security thread without having to justify a particular purchase or use. This is in large part what explains the speed of obtaining cash credit!Note: it is different from a business cash loan!
The cash loan for businesses works differently. Here, it is not a question of monthly repayment installments or APR, but of agios. There is also no insurance provided for in the contract. This credit actually takes the form of an authorized overdraft. Three main types of cash loans can be granted to a business:
The classic bank overdraft;
The overdraft facility;
The campaign credit


.What about borrower death insurance?
Before granting credit, the lender can order the borrower to take out insurance. And this, although the law does not require it. In any case, it is in the borrower’s best interest to consider this optional insurance. Because in the event of a payment incident resulting, for example, from loss of employment or death, it is the insurance that will reimburse the outstanding capital.


It is also important to know that, even if the lender offers you to insure your personal loan, you are free to contact the establishment of your choice.


Supporting documents to set up a personal loan file


The acceptance of a personal loan depends mainly on the resources and assets of the applicant. It is indeed crucial to ensure, upstream, that its financial situation and its capital will enable it to meet the monthly repayment installments.


Thus, for the assembly of your file, Finance Credit Service requests the supporting documents required by law or in accordance with the practices of banking establishments. However, we will not ask you to provide original documents: all you need to do is upload your supporting documents on our platform.


Finally, you will be asked to provide a complete file to be able to obtain a loan offer.

Information to be provided by the lender

Personal loan at Loans Case: an innovative credit solution

In Europe, Loans Case is the only retail lending platform with its own credit institution authorization issued by the Prudential Control and Resolution Authority (Approval No. 16488).

Of all the French credit organizations, Loans Case is the only one to offer loan offers between individuals, but not exclusively. The principle is simple: professional investors (individuals, but also legal entities: companies, insurers, foundations, pension funds, etc.) directly finance the personal loans of households.

With this alternative and innovative solution, Loans Case is transforming the banking system to make it fairer and more transparent with a model in which savings are used to finance the personal loans of households.

Alongside the « classic » financing possibilities of banking institutions, Loans Case puts innovation at the heart of its service in order to offer a less expensive **, fast, transparent and secure loan solution.

So ask for your personalized offer without further delay!

Personal loan: the advantages of Loans Case

For borrowers, using Loans Case means receiving a personal loan at fair and competitive rates. Our rates are the most competitive on the market between € 1,000 and € 3,000. We exclusively offer depreciable personal loans, at fixed rates and constant monthly payments, with no hidden costs.

In addition, we provide you with exceptional speed: our analysis technologies for personal loan applications make it possible to finance a project in record time; an answer in principle is given immediately at the end of your online personal loan application. Once your file is completed from home, within 24 hours * a definitive answer is sent.

The automation of certain credit application processes allows objective and instant decisions, avoiding biased judgments and intrusive questions.

Finally, Loans Case opens the personal loan black box. The borrower is thus informed in complete transparency and in real time of each stage of the processing of his file, by SMS, email and in his customer area. The explanations of his personal credit and the progress of the processing of his file are provided to him in simple and understandable terms by our advisers who you can contact by email, chat, Facebook Messenger and Phone! Our customer service is 100% based in France.

The funds loaned come directly from the investments of our community of investors: Loans Case must carefully study the creditworthiness of borrowers, and in case of refusal informs them instantly.

In order to find the most attractive offer, and thus reduce the total cost of your personal loan, a comparison is necessary. To discover our rates, do a personal loan simulation directly online!