Lendovia is a consumer credit institution designed for today's world: simple, transparent access to financing, a fully online experience, and advisors available whenever you need them.
We built Lendovia around a simple conviction: applying for credit should never feel like an obstacle course. A simulation in seconds, terms explained clearly, and a team you can reach to answer your questions — that's what we deliver at every step of your application.
At Lendovia, we start from a simple observation: most of life's big projects — whether renovating a kitchen, changing vehicles, organising a wedding, or simply absorbing an unexpected expense — deserve a financing solution that's clear, honest, and suited to each person's reality. Too often, consumer credit remains associated with lengthy procedures and terms that are hard to understand. Our mission is to change that: offer a fixed-rate loan, with every parameter explained before signing, and a monthly payment that no longer moves once the contract is concluded.
We also believe technology should simplify our clients' lives without ever distancing them from us. That's why our online simulator lets you get a decision in principle in moments, while a digital client area centralises the tracking of every application — but as soon as a question falls outside the ordinary, someone from our team remains available to discuss it with you. This combination of digital simplicity and human support is at the heart of how we design responsible credit, project after project.
Our values
A fixed APR, shown from the simulation and guaranteed until signing, with no hidden line in the contract.
An online simulation in seconds, a form designed to get straight to the point, and an immediate decision in principle.
Every application undergoes a serious review of repayment capacity, to offer a monthly payment that's genuinely suited to you.
A team of advisors you can reach to answer your questions, at every step of your application — not just a bot.
Our commitments
Beyond the values that guide our decisions, here are concrete commitments we keep for every client, from the first click to the last repayment.
Your simulation gives you an immediate decision in principle, and our team reviews complete applications within 24 business hours — without committing you to anything.
The rate announced during the simulation is the one that appears on your contract. No surprise line: the total cost of your credit is known before signing.
An advisor remains reachable by email at every step of your application, to answer your questions and help you make the right choice.
The information sent through our forms is encrypted and used only to review your application. It is never shared with third parties for commercial purposes.
Once your contract is signed, you have a legal withdrawal period of 14 calendar days, with no need to justify your decision or pay a penalty.
We systematically check your repayment capacity before any offer, to spare you a monthly payment that would weigh too heavily on your budget.
Our history
It all started with an observation shared by a small team: consumer credit deserved to be more transparent. Lendovia's ambition was born from this desire to offer a fixed-rate loan, clearly explained, accessible entirely online.
The personal loan paved the way, closely followed by revolving credit, to meet the most common financing needs: one-off projects as well as stopgap cash flow, always with the same commitment to clarity on the APR.
To support clients through broader life stages, Lendovia expanded its range to debt consolidation, allowing several loans to be combined into a single monthly payment, as well as borrower insurance, to secure every financed project.
Beyond signing up, Lendovia developed a digital client area to track applications in real time, and a customer service team always available to support every borrower well after the contract is signed.
Every day we refine our online application journey and the support provided by our advisors, with a single goal: making responsible credit as simple and transparent as possible, project after project.