A loan that adapts to your everyday life
Consumer credit covers all everyday financing needs: a purchase, an unexpected expense, cash flow. At Lendovia, you choose the amount and the term, with no need to justify how you'll use the funds.
From €3,000 to €100,000, guaranteed fixed rate and stable monthly payment from the first to the last repayment. Simulate your consumer loan in 2 minutes.
1. How much do you need?
2. Over how many months do you want to repay?
Consumer credit covers all everyday financing needs: a purchase, an unexpected expense, cash flow. At Lendovia, you choose the amount and the term, with no need to justify how you'll use the funds.
A consumer loan covers all loans intended to finance personal needs, as opposed to a mortgage. It can take the form of a personal loan with a fixed amount, revolving credit, or debt consolidation — Lendovia offers all three. On this page, the simulation guides you towards our personal loan offer, the most common option for a one-off need.
Whether it's for a purchase, an unexpected expense, or simply to spread a cost over several months, a Lendovia consumer loan leaves you free to use the funds as you wish, with a fixed rate guaranteed from the simulation.
Why Lendovia
The APR shown in the simulation is the one in your contract, from the first to the last month.
A decision in principle appears on screen right after your simulation.
Once your application is accepted and the withdrawal period has passed, the funds are transferred within 24h.
How it works
Enter the desired amount and the repayment term: the monthly payment and APR appear instantly.
Provide your personal, professional and financial details in about ten minutes.
A decision in principle is communicated to you immediately, then confirmed after your application is reviewed.
Electronic signature, 14-day legal withdrawal period, then transfer to your account.
To understand it all
An earmarked loan is tied to the purchase of a specific item (car, renovation): the funds are often paid directly to the seller. A Lendovia consumer loan, on the other hand, is paid directly into your account and you use it as you wish, with no supporting documents required.
For a one-off need with a known amount, a personal loan (simulated on this page) is best suited: fixed monthly payment and rate from start to finish. For a recurring, evolving need, revolving credit offers a reserve you can reuse at will.
The APR (Annual Percentage Rate) is the only reliable way to compare two loan offers. Once your contract is signed, you have 14 calendar days to change your mind, with no justification or penalty — details are explained on our personal loan page.
Frequently asked questions
Consumer credit is the broad family of products that includes personal loans, revolving credit and debt consolidation. On this page, the simulator offers you our personal loan, the most common option for a one-off need with a fixed amount.
From €3,000 to €100,000, over a term of 6 to 180 months. The amount granted depends on your situation and your repayment capacity.
No. Unlike an earmarked loan, a Lendovia consumer loan is paid into your account and you're free to use it as you wish, with no invoice or quote required.
A decision in principle appears immediately after your online simulation, then is confirmed after your application is fully reviewed.
Yes, at any time, in part or in full, under the conditions set out in the consumer code.