What is the minimum and maximum amount I can request?

We finance requests between €500 and €50,000. Below that, a loan usually doesn't make sense given administrative costs. Above, a more thorough review is needed — contact us directly.

How quickly do I get a reply?

Our team commits to communicating a decision in less than 24 business hours after receiving the complete file. For more complex cases, we may ask for an extra 48 hours to verify.

What documents are required?

ID, proof of address less than three months old, three last payslips (or equivalent for the self-employed) and a recent bank statement. We send the exact list after first contact.

Does the 3% rate include all costs?

Yes. No file fees, no early repayment fees, no compulsory insurance imposed by CREDITO SOLIDARIO. The only cost of your loan is the fixed 3% annual interest.

Can I repay in advance?

Yes, at any time and without penalty. The law provides for this and we don't apply any restrictive clause. Just send us a written request.

Are my data protected?

Yes. We are the data controller under the GDPR. Your data is never sold and is kept only for the time needed to perform the contract and meet legal obligations.

Our loans

Six solutions, one rule: clarity.

Each type of loan meets a concrete need. The fixed 3% rate applies to all six. Choose the category matching your project — or talk to us if you hesitate.

Personal loan

A personal project that doesn't fit any other category: a long-awaited trip, a family event, the purchase of a durable good, an initiative you want to make happen now.

Amount / Duration From €500 to €30,000, between 6 and 84 months.

Ideal para For those with stable income and a defined project.

Urgent loan

An unexpected expense, a medical emergency, a vehicle repair essential for work. We review the file as a priority, with the same rigour but in shorter timescales.

Amount / Duration From €500 to €15,000, between 6 and 60 months.

Ideal para For unexpected situations with short deadlines.

Education loan

A postgraduate degree, a master's, an accredited professional training. Repayment adapted to the course timeline — deferment possible during training.

Amount / Duration From €1,500 to €25,000, between 12 and 96 months.

Ideal para For students, young workers or professionals in retraining.

Home improvements

Thermal insulation, window replacement, kitchen or bathroom renovation, solar panel installation. A loan dedicated to your home, sized to the works budget.

Amount / Duration From €2,000 to €50,000, between 12 and 120 months.

Ideal para For owners or tenants with landlord's agreement.

Debt consolidation

Group all your ongoing loans into a single instalment, with a single debit and one contact. Objective: regain visibility on your budget.

Amount / Duration Up to €50,000, between 24 and 120 months.

Ideal para For those with three or more active loans.

Flexible financing

Your project doesn't fit any of the categories above? Let's talk. A professional project, an atypical situation, a specific need — we analyse case by case.

Amount / Duration Terms studied according to the file.

Ideal para For situations requiring a personalised view.

Quick comparison

Type	Amount	Duration	Response
Personal loan	500 € — 30 000 €	6 — 84 meses	24 business hours
Urgent loan	500 € — 15 000 €	6 — 60 meses	12 business hours
Education loan	1 500 € — 25 000 €	12 — 96 meses	24 business hours
Home improvements	2 000 € — 50 000 €	12 — 120 meses	24 business hours
Debt consolidation	até 50 000 €	24 — 120 meses	24 business hours
Flexible financing	Condições a estudar		48h úteis

Terms common to all loans

Fixed nominal rate of 3% for the entire duration.
No file fees, no early repayment fees.
No compulsory insurance imposed by CREDITO SOLIDARIO.
Early repayment, full or partial, without penalty.
14-day withdrawal right after signature.
Human review of each file, no automated system.

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A project in mind? Let's talk today.

A credit application starts with a conversation. No commitment, no prior check.

Start my application Contact us