A credit commits you and must be repaid. Check your repayment capacity before you commit.

The key points

Need to quickly finance a project

Finance one or more personal projects with the same loan: opt for our cash loan offer (1) :

  • a loan amount of up to 75,000 euros*;
  • the possibility of financing up to 100% of your project (without personal contribution);
  • a fixed rate and monthly payments known in advance ;
  • a possible repayment term of up to 120 months;
  • a deferred repayment of your 1st monthly payment possible up to 3 months;
  • optional insurance that protects you against the risk of death, irreversible total loss of autonomy and incapacity for work;
  • a payment of funds to your current account at the end of the 14-day withdrawal period, or from the 8th day at your express request (after acceptance of your file);
  • the possibility, if you wish, of including the repurchase of an already existing loan (personal loan or revolving credit) in your financing (2) .
A project that doesn't wait: the immediate cash loan

Do you want to fund a need?

immediate cash loan (3) . Make your project a reality without delay with the Caisse d'Epargne

Without having to specify the destination of the loan , you just have to determine the amount of the monthly payments and the duration of your loan with your advisor.

You thus establish your repayment plan together and you are free to decide the date of the withdrawal of your due date.

The amount you borrow is paid directly into your deposit account , within 8 to 14 days.

A project that must mature: the cash project loan

Do you want to carry out a project (excluding car or works) but you do not yet know its final amount?

Caisse d'Epargne provides you with an envelope (3) to carry out your project. You will be able to release the funds as your project progresses (5 times maximum over 6 months).

First define with your adviser the maximum amount of financing you will need. The funds will then be available within 48 hours.

The first release is made with your adviser and the following payments can be made via your customer area.

Namely: the monthly repayments are only made on the amount finally used. 

And regardless of the financing chosen (4)

Once your loan has been set up, you will be able to access many features that will allow you to manage your loan flexibly (deferral of monthly payments, upward or downward modulation of monthly payments, partial or total early repayment, etc.).

frequently asked Questions 

How much can you borrow?

Depending on your needs and your repayment capacity: from 1,000 euros to 75,000 euros.

Over what duration?

4 to 120 months. 

I don't want to start repaying my loan right away. Is it possible ?

Yes, just ask your advisor for a postponement of your first due date.

Your repayment may begin up to 3 months after the funds have been disbursed.

Can I prepay my loan?

Yes, you can repay all or part of your loan at any time.

I want to finance several small projects with my loan, do I have to justify my purchases? 

No, it is not necessary to justify the use of your loan to us.

I would like to take advantage of this new loan to buy back an existing loan, is this possible?

Yes, you can absolutely include the outstanding amount of your current loan in the amount of your new financing in order to pay it off early.

A credit commits you and must be repaid. Check your repayment capacity before you commit. 

Savings Bank

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