Credit & Loans

Flexible borrowing solutions designed around your needs.


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Credit Card

APR: 18.9% variable

Flexible spending with up to 45 days interest-free.

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Personal Loan

APR: From 3.5% fixed

Borrow from €1,000 to €50,000 with flexible terms.

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Overdraft

APR: 12.5% variable

Short-term borrowing directly from your account.

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Why Choose Our Credit Products

Fast Approval

Get a decision within minutes.

Flexible Repayment

Choose terms that fit your budget.

No Hidden Fees

Transparent pricing and clear terms.

Representative Examples

Personal Loan

Loan amount: €10,000

Term: 60 months

APR: 3.5% fixed

Monthly repayment: €181

Total repayable: €10,860

Credit Card

Credit limit: €2,000

APR: 18.9% variable

If €1,000 is used and repaid over 12 months → Total €1,189

Overdraft

Overdraft: €500

APR: 12.5%

30 days usage cost: approx. €5.20

Fees & Charges

Service Fee
Loan Arrangement Fee €0 – €150
Late Payment Fee €25
Early Repayment No penalty (conditions apply)

Eligibility Requirements

Responsible Lending

We are committed to responsible lending practices. We encourage customers to borrow only what they can afford and ensure repayments are manageable within their financial situation.

Important: APR rates are representative and may vary based on your credit profile. Approval is subject to status and affordability checks. Missing payments may negatively impact your credit score.

Need financing?

Apply today and receive a decision quickly.


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