Get a loan in simple steps

The personal credit that allows you to realize your dreams.

To obtain your personal loan, you must first open a Fludicial account. It is free, and his credit card too.

  • Open and Activate Account.

    Having an account is the first step for getting a loan. It is free to open
  • Apply for your personal loan.

    Apply in simple step from your Fludicial account dashboard.
  • Get an answer in 48h

    An expert will provide you with an answer within 48 hours.
Open an account now

Terms and conditions

Discover the general conditions related to your loan request at Fludicial.

  • Conditions of eligibility

    The personal loan, for whom?

    The personal loan can be taken out by any natural person, capable adult or non-emancipated minor.

    And how ?

    To obtain your personal loan you must open a current or joint account. It is free, and his credit card too.

  • Provision of funds

    The funds are paid to your deposit account within at least 48 hours from the acceptance of your credit offer. Funds can be made available in one or more installments over a maximum period of 6 months.

  • Withdrawal

    The legal withdrawal period is 14 days from the day you sign your loan offer.

  • Fence

    The loan is closed at maturity or in the event of full early repayment.

  • Acceptance of offer

    As of receipt of the offer:
    - its period of validity is 30 days;
    - you can accept it from the 11th day (following the legal reflection period of 10 days).

  • Withdrawal and reimbursement


    Your monthly payments are debited directly from your deposit account and the first debit takes place on the first amortization date chosen.
    You can choose the date, that is to say the date on which you wish to repay your credit monthly. Subsequently and at any time, you can modify the date by requesting it by mail from Fludicial.

    Refund options

    Possibility of deferring the first repayment for a maximum period of 12 months. Possibility of suspending 2 monthly payments per rolling year, respecting a period of 2 months between each suspended monthly payment.
    Depending on the duration of your contract, you can suspend a maximum of 8 monthly payments.
    You can repay your loan before the scheduled term.

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