Simplified Finance
Total Transparency

Credit,
finally simplified.

We have reinvented funding to make it accessible to everyone: employees, entrepreneurs, retirees. Discover how we fund your projects without the usual banking barriers.

Why don't we ask for payslips?

In the traditional banking system, your past determines your future. Without a permanent contract, it's often a rejection.

Our approach is radically different. We use a scoring algorithm based on your actual repayment capacity. Whether your income comes from a pension, self-employment, or a salary, what matters is your budget balance.

"I was surprised by the simplicity. No need to scan tons of papers. In 5 minutes, my application was sent, and I got the answer right away."
TD
Thomas D.
Verified Client
Simulation
01. Simulation

Online Simulation

It all starts with your need. Use our interactive slider to define the exact amount and duration that fits your budget.

  • Immediate and free result
  • Guaranteed fixed rate (2.85%)

The Simplified Form

Once the simulation is validated, fill out our secure form. No need to scan payslips. Simply indicate your identity and contact details to issue the legal contract.

Tip: If you are unemployed or a temporary worker, simply check the corresponding box without fear of automatic rejection.

Form
02. Application
Virement
03. Virement

Signature & Transfer

You receive your contract by email. Sign it electronically using a secure SMS code. Upon signature, the transfer is triggered instantly to your bank account.

Start now

Calculate your budget

Fixed rate of 2.85%. No application fees. Total transparency.

Configuration

1 000 200 000
Months
12 Months 120 Months

The rate is fixed at 2.85%. It will never change during the entire repayment period.

Your monthly payment

Borrowed capital
Interest cost +
Total to repay
Validate this offer

A loan is a binding commitment and must be repaid.

Required Documents

Prepare these 3 simple items to speed up validation.

1. Identity

Valid ID Card (Front/Back) or Passport.

2. Proof of Address

Water, gas, electricity, or phone bill less than 3 months old.

3. Bank Details (IBAN)

Your Bank details to receive the funds transfer.

Frequently Asked Questions

Yes. We do not discriminate based on status. Whether you are unemployed, retired, or have a bad credit history, we study your current repayment capacity, not your past.
Absolutely. For standard amounts, we do not require proof of income. Your identity and bank details are sufficient for the contract.
After electronic signature, the transfer is immediate. Depending on banks, it takes between 24 and 48 business hours to appear on your account.
Yes, we use 256-bit SSL encryption (banking grade). Your documents are stored on secure servers in Europe and are never resold.

Don't let your projects wait

Join thousands of clients who obtained their funding without the usual constraints.

Request my funding

Free - No obligation - Secure

Choisir la langue

Traduction automatique

Need help?
Talk to an expert now.

Customer Service

SCHNELLE FINANZEN

Advisor

Hello! 👋Welcome to FINANCIA DIRECT. How can we help you today?

03:26

Typical response time under 1 hour.