A reserve always ready, wherever you are
Lendovia's revolving credit stays available at all times: you draw on it when a need arises, you repay, and the reserve replenishes. No new application needed each time you use it.
Use it as you need, repay at your own pace. Your credit line replenishes as you repay — you only pay for what you use.
1. How much do you need?
2. Over how many months do you want to repay?
Lendovia's revolving credit stays available at all times: you draw on it when a need arises, you repay, and the reserve replenishes. No new application needed each time you use it.
Revolving credit — sometimes called a "cash reserve" — puts a sum of money at your disposal that you can use in one or several instalments, as needed. Unlike a classic personal loan where the amount is released all at once, the reserve replenishes automatically as you repay: you can draw on it again without a new application.
It's a solution designed for everyday money management rather than a one-off project: coping with an unexpected expense, absorbing a spending spike at the end of the month, or simply having a safety net always on hand. Interest is calculated only on the portion of the reserve actually used — as long as you don't touch it, it costs you nothing.
Personal loan or revolving credit?
A personal loan suits a specific, one-off project. Revolving credit, on the other hand, adapts to recurring or unpredictable needs.
| Feature | Revolving credit | Personal loan |
|---|---|---|
| Release of funds | In several instalments, as needed | All at once |
| Interest | Only on the amounts used | On the entire capital borrowed |
| Reuse | Reserve replenished as you repay | No — a new loan is required |
| Ideal for | Unexpected expenses, day-to-day management | A specific, defined project |
How it works
Simulate the amount you want and complete your application online. A decision in principle appears immediately.
Draw on your reserve in one or several instalments, based on your actual needs, from your client area.
Each repayment replenishes the available portion of your reserve, ready to be used again.
To understand it all
It works differently from a classic loan: here are the concepts you need to know to use it well.
Unlike a personal loan where you receive all the capital at once, revolving credit puts a cash reserve at your disposal that you draw on as needed, in one or several instalments. Each repayment replenishes the portion used, up to the approved limit — hence the name.
You only pay interest on the portion of the reserve actually used, and only for as long as it remains owed. An unused €3,000 reserve therefore costs nothing: interest only starts accruing on the first withdrawal, on the amount actually withdrawn.
Unlike a fixed-rate personal loan, the APR on revolving credit can change over time. This adjustment is strictly regulated by the consumer code: it cannot exceed certain legal limits, and you are informed of any change before it applies to your contract.
Each year, French consumer credit law requires the lender to check your solvency before renewing your revolving credit contract. If your situation no longer allows it, renewal may be suspended. This is a safeguard designed to prevent an unused or risky reserve from staying active without review.
Every month your reserve is used, a minimum repayment is due, including a portion of capital and accrued interest. The amount of this minimum depends on the capital used: the faster you repay, the less the credit costs you overall.
Flexible and practical for absorbing the unexpected, revolving credit isn't designed to finance an ongoing budget shortfall. Lendovia encourages you to repay your reserve quickly after use and to avoid holding several open reserves at different lenders at once, to keep a clear view of your budget.
Frequently asked questions
No. Interest is calculated only on the portion of the reserve you actually use. As long as you don't touch it, it generates no cost.
From your client area, you request a transfer of the desired amount, within the available limit. The funds are paid into your account within a few business days.
Yes. Each repaid instalment replenishes part of your available reserve, which you can then reuse without a new application, within the limits of the contract.
The revolving credit contract is renewable every year. Before each renewal date, you receive the information needed to renew or cancel your contract.
An increase to your reserve can be requested from your client area. It is subject to a new assessment, taking into account changes in your situation.
The mechanics are similar: an available, reusable reserve, with interest on the amount used. Lendovia's revolving credit requires no physical card and is managed entirely online, from your client area.