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Example of personal credit
(€ 10,000 over 36 Months excluding insurance)

For a personal loan of € 10,000 over 36 months at the fixed Global Effective Annual Rate of 3.40%, you repay: 36 monthly installments of € 292.35, total amount due: € 10,524.61, i.e. € 524.60 of interests. 0 € For administration fees

Representative example
Personal loan of € 500 to 75,000.
APR fixed from 1.79% to 19.99%,
fixed borrowing rate from 1.76% to 18.36%.
Conditions in force on 11/22/2016. Duration from 8 to 120 months.
All the rates offered are fixed and vary according to the types of loans and vary according to the amount and duration

Note: The financial institutions we work with offer an annual interest rate of up to 18%. This explains why our annual APR (Annual percentage rate) is less than 19%. The repayment of this loan is expected after 120 days from the date of issuance of the loan.

Example of reimbursement

A loan of € 750 payable every two weeks and repayable in 10 installments will cost you € 119.48 per payment.

This information is given for illustrative purposes only and considers an application fee payable to the official agent and broker in the amount of € 380 that the borrower adds to the borrowed capital. The official agent and broker alone determines the costs and fees for each file at his own discretion and these are independent of the interest claimed by the lender.

Implication of non-payment

NSF Item: A fee of fifty dollars (€ 50.00) will be charged for any check or any pre-authorized payment without sufficient funds. Your financial institution will also charge you a fee for this NSF transaction.

Postponement of payment: In the event that the debtor wishes to request a modification to his initial agreement, an administrative fee of € 34.00 will be charged. The debtor must notify the company at least 72 hours before the expected date of the debit.

Collection procedure and credit rating

Our company complies with Canadian legal standards. If a particular situation arises during your repayment period, our collection department will establish a repayment agreement with you taking your situation into account. In the event that the debtor fails to make any of the payments provided for in this contract by the due date, the creditor may demand full payment of any outstanding balance, principal, interest and costs. All legal and extrajudicial costs which will be reasonably incurred in the event of defects in this contract will be claimed from the debtor for any check or pre-authorized payment returned to the creditor.

In the event that no payment agreement is possible between the debtor and the creditor, the creditor can assign the case to a collection agency, which can then affect the debtor’s credit rating.

Other services and conditions

Renewal: Renewal of the loan is not automatic. It will be done after the client has made the request and it has been approved by our company.

Repayment term: The repayment terms of our loans vary between 4 months and more

Collection procedure and credit rating

Our company complies with Canadian legal standards. If a particular situation arises during your repayment period, our collection department will establish a repayment agreement with you taking your situation into account. In the event that the debtor fails to make any of the payments provided for in this contract by the due date, the creditor may demand full payment of any outstanding balance, principal, interest and costs. All legal and extrajudicial costs which will be reasonably incurred in the event of defects in this contract will be claimed from the debtor for any check or pre-authorized payment returned to the creditor.

In the event that no payment agreement is possible between the debtor and the creditor, the creditor can assign the case to a collection agency, which can then affect the debtor’s credit rating.

You have a legal withdrawal period of 14 days.