THE PROCESS — HOW IT WORKS
A clear path.
At every step.
From your first estimate to the moment funds arrive. Understand what happens, what you need and where you make the decision.
Explore the four stepsThe decision is yours.Review the terms before you take the final step.
01 — THE FOUR STEPS
Know what
comes next.
Each stage has a purpose. You explore first, provide information next, then review the terms before an agreement is completed.
Calculate
A starting point that fits your plans.
Choose an amount and a term. Compare the monthly commitment with the total cost, then find a balance that fits your plans.
An estimate helps you explore. Your personalised offer confirms the terms.
EXPLORE THE BALANCE €3,000
- TERM
- 12 months
- MONTHLY
- €273
Illustrative estimate · see the breakdown below.
Apply
A few details. A clear next step.
Bring together your identity, contact details and income or business information. The documents requested depend on your circumstances.
Preparing your information helps avoid unnecessary follow-up.
ONE APPLICATION, THREE PARTS Your identity
Your contact details
Your finances
Clear information makes the next step easier.
Review
The important part: your decision.
If you receive an offer, compare its numbers and read the agreement. Check interest, fees and payment dates before deciding to proceed.
Submitting an application does not guarantee approval.
READ THESE TOGETHER - Amount
- €3,000
- Term
- 12 months
- Monthly payment
- €273
- Total repayment
- €3,276
Your decision comes after the terms.
Illustrative values, not a personalised offer.
Receive
From an agreed offer to your account.
After approval, the agreement and remaining checks are completed. Confirm the account details before funds are sent.
Use the agreed schedule to plan your repayments from the start.
AFTER APPROVAL & AGREEMENT To your account.
Confirm the account details. Keep the agreed repayment schedule.
02 — UNDERSTAND THE NUMBERS
The whole picture.
Not just a payment.
Look at what you receive, what financing costs and what you repay. These are different numbers.
AMOUNT RECEIVED
€3,000
FINANCING COST
€276
TOTAL REPAYMENT
€3,276
Amount received · 91.6% of total
Financing cost · 8.4% of total
Example only: €3,000 over 12 months at a 9.2% illustrative annual simple-interest rate, with no additional fees included. Total repayment is €3,276, or 12 equal payments of €273. This is not a personalised offer or an APR calculation.
- Monthly payment
- Your regular commitment. Check the amount, the due dates and whether the schedule fits your circumstances.
- Term
- How long repayment lasts. Compare the term alongside the monthly payment and the total cost.
- Interest & fees
- The cost of financing. Your offer should explain applicable charges and the total amount payable.
03 — A LITTLE PREPARATION
Ready before
you begin.
Having the right information nearby makes the next step easier. The exact requirements depend on your application.
Keep these nearby.
Your identity
A valid identification document and clear, readable copies of anything requested.
Your contact details
An email address and mobile number you can access for updates and confirmations.
Your financial information
Current income information for Personal, or relevant business and financial records for Business.
Your questions
Anything you want clarified about fees, repayment dates, early repayment or the agreement.
Only share documents through the designated application channel. Read the privacy notice before providing personal information.
What affects the timing?
Complete information, identity checks and any follow-up requests can affect review time. Funding also depends on completing the agreement and the transfer process. Follow the updates provided for your application.
What should I check in my offer?
The amount, term, payment schedule, interest, fees and total repayment. Also read the conditions for early repayment and what happens if a payment is missed. Keep a copy of the terms you agree to.
YOUR NEXT STEP
Start with the numbers.
Move at your own pace.
Explore an amount and a term before taking the next step.
Explore the calculatorMore questions? Visit our FAQ.