Choose the amount and the term, we guarantee a fixed APR right up to disbursement. Simulate in 2 minutes.
1. How much do you need?
2. Over how many months do you want to repay?
Whether it's for renovation work, a vehicle, or an event, Lendovia's personal loan adapts to your situation: you choose the amount and the term, and keep a stable monthly payment from the first to the last repayment.
The personal loan — also called an unallocated loan — is a consumer credit you can use freely, with no obligation to justify its use to your lender. Unlike an allocated loan (car loan, renovation financing via a tradesperson), no invoice or quote will be requested: the funds are paid directly into your bank account and you use them as you see fit.
It's the most flexible solution to finance a specific project — renovation work, buying a used vehicle, a wedding, a move — or simply to cope with an unexpected expense without dipping into your savings. The monthly payment and the rate are set as soon as the contract is signed and no longer change until the last repayment.
Why Lendovia
No small print, no unpleasant surprises: every element of the contract is clearly explained before signing.
The APR you see on screen is the one in your contract, from the first to the last month.
A decision in principle appears on screen right after your simulation, even before you fill in the form.
Once your application is accepted and the legal withdrawal period has passed, the funds are transferred within 24h.
How it works
Enter the desired amount and repayment term: the monthly payment and APR appear instantly.
Provide your personal, professional and financial details via our online form, in about ten minutes.
A decision in principle is communicated to you immediately, then confirmed after full review of your application.
Electronic signature of the contract, 14-day legal withdrawal period, then transfer to your account.
To understand it all
Before committing, here are the essential concepts to know so you can read your credit offer like a pro.
The Annual Percentage Rate expresses, as a single percentage, the total cost of your credit over one year: interest and the cost of any compulsory insurance are included. It's the only figure that reliably lets you compare two credit offers, regardless of the lending institution.
At Lendovia, the APR shown during the simulation (3.5%) is fixed and guaranteed: it cannot be revised upward once your contract is signed, whatever happens to market rates.
The borrowing rate (or nominal rate) is used solely to calculate the interest owed on the capital borrowed. The APR, which is broader, adds the cost of all the compulsory items linked to the credit. For a Lendovia personal loan, the two rates are very close, but the APR remains the legal benchmark for comparison.
Each monthly payment repays both a portion of the capital borrowed and a portion of interest. Early in the loan, the interest portion is highest because it's calculated on a large remaining principal; it mechanically decreases month after month as the remaining principal falls. This is called the amortisation schedule, which you receive with your contract.
Once your credit contract is signed, the law grants you 14 calendar days to change your mind, with no need to justify yourself or pay a penalty. This period starts running the day after signing. The funds are only released once it has expired, unless you specifically request early release.
Come into some unexpected money? You can pay off your personal loan before its term, in part or in full, at any time. The law regulates the fee the lender can charge in this case: it is capped at 1% of the capital repaid (0.5% if less than a year separates the repayment from the end of the contract), and is only due for repayments exceeding €10,000 over twelve months.
Before granting a loan, Lendovia reviews your debt ratio (the ratio between your credit charges and your income, generally capped at a third of your income) as well as your disposable income. This review protects both the borrower and the lender: it aims to ensure the proposed monthly payment remains compatible with your budget throughout the loan term.
Frequently asked questions
An allocated loan is tied to the purchase of a specific good or service (a vehicle, work carried out by a professional) and the funds are often paid directly to the seller. The personal loan, on the other hand, is paid into your account and you use it freely, with no supporting documents required.
Lendovia's personal loan is available 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, assessed when your application is reviewed.
Yes, at any time, in part or in full. An early repayment fee may apply in the cases provided for by law, in particular for repayments exceeding €10,000 over a twelve-month period.
A decision in principle appears immediately after your online simulation. It is then confirmed within a few days after full review of your application and the requested supporting documents.
Yes, borrower insurance is offered when you apply. Optional, it covers death, total and irreversible loss of autonomy, and temporary incapacity to work. Learn more about our borrower insurance.