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Personal Financing provides a structured financing solution for personal projects, significant expenses and individual financial needs. Explore an indicative financing structure and submit your request for an individual assessment.
Personal Financing is designed for individuals looking to finance a specific project or expense with a defined repayment structure. Whether you are planning an important purchase, managing a significant expense or preparing a personal project, the financing request is considered according to its purpose, amount, duration and individual circumstances.
A financing amount adapted to the nature and scale of your project, subject to eligibility and assessment.
A repayment period and instalment structure established according to the applicable financing conditions.
Each request is reviewed according to the applicant's circumstances and supporting documentation.
Personal Financing can be considered for different types of personal projects and expenses, subject to eligibility and individual assessment.
Finance an important purchase that requires a structured repayment solution.
Support a planned personal project with financing structured around its requirements.
Manage a substantial planned expense through a defined financing and repayment structure.
Finance eligible household or personal needs according to the applicable conditions.
The eligibility and purpose of financing depend on the applicable product conditions and individual assessment.
Before proceeding, the principal financing parameters are presented so that you can understand the structure of the request and the associated repayment obligations.
From €1,000, with the maximum amount determined according to the financing solution and individual assessment.
Indicatively from 12 to 360 months, depending on the requested financing and applicable conditions.
An indicative fixed rate from 3%, subject to the applicable conditions and individual assessment.
Repayment according to the schedule and contractual conditions applicable to the financing established.
The assessment of a Personal Financing request takes into account the information provided with the application, the purpose of the financing, the requested amount and duration, as well as the supporting documentation required for the review.
The purpose and characteristics of the financing request.
Relevant information concerning your income, expenses and repayment capacity.
Documents required to assess the application and verify the information provided.
The requested amount, duration and applicable repayment conditions.
The following figures provide a general indication of the financing structure. Actual terms depend on eligibility, individual assessment and the applicable contractual documentation.
The figures presented are indicative and do not constitute an offer of financing. Final terms may vary according to the applicant's circumstances, the purpose of the request, eligibility, supporting documentation and applicable contractual conditions.
Complete the application form with information about your project, requested amount and personal circumstances.
The information provided and any required supporting documentation are reviewed.
The financing request is assessed according to applicable criteria and the applicant's circumstances.
Where applicable, the relevant financing conditions are communicated for consideration.
Following acceptance, the applicable contractual documentation is prepared for signature.
Once the applicable contractual and administrative requirements have been completed, the financing is established according to the agreed terms.
Use our Loan Simulator to explore an indicative monthly repayment based on the amount, duration and interest rate entered. The result is an estimate intended to help you understand the potential structure of your financing request.
Find answers to common questions about eligibility, documentation, repayment, early settlement and the application process.
Open Loan Simulator →Personal Financing is available to eligible individuals who meet the applicable financing criteria. Eligibility may depend on factors such as the applicant's personal and financial circumstances, requested amount, financing purpose, repayment capacity and supporting documentation. Each request is subject to an individual assessment.
The documents required may vary according to the applicant's circumstances and the financing requested. Depending on the application, supporting documentation may include proof of identity, proof of address, income documentation and other information necessary to assess the request. The specific documents required will be communicated during the application process.
The repayment structure depends on the financing amount, applicable interest rate and selected duration. The Loan Simulator provides an indicative estimate of the monthly instalment and total repayment. Final repayment terms are determined following the individual assessment and are set out in the applicable contractual documentation.
Early settlement may be possible, subject to the applicable contractual terms and conditions and any legal requirements. Before making an early repayment, the applicable settlement conditions and any potential charges should be confirmed.
Application timing can vary depending on the completeness of the information provided, the supporting documents required and the time needed to complete the individual assessment. Providing accurate and complete information can help facilitate the review process. No specific approval or completion timeframe is guaranteed.
No. Submitting an application does not constitute an offer of financing or guarantee approval. Each request is subject to eligibility requirements, individual assessment, supporting documentation and applicable contractual conditions.
Yes. You can use the Loan Simulator to obtain an indicative estimate based on the amount, duration and interest rate entered. The result is for informational purposes and does not represent a financing offer.
Start your Personal Financing request or use the simulator first to estimate an indicative financing structure.
The information presented on this page is general and indicative in nature and does not constitute a financing offer or guarantee of approval. Personal Financing is subject to eligibility, individual assessment, supporting documentation and applicable contractual conditions. Final financing terms, including the applicable interest rate, amount, duration and repayment schedule, may vary according to the applicant's circumstances, the purpose of the request and the applicable contractual documentation.
