Our annual percentage rates (TAEG) range from 2.0% to 3.0% depending on the loan product and your credit profile. The mortgage loan has the lowest rates (2.0–2.8%) and the micro-credit the highest (2.5–3.0%).
Are there any processing or application fees?
No. Fair Funds Secure charges zero application fees, zero processing fees and zero file fees. The only cost of your loan is the interest reflected in the TAEG advertised.
What is TAEG and how is it different from the nominal rate?
TAEG (Taux Annuel Effectif Global) is the total annual cost of credit including interest and all mandatory fees, expressed as a percentage. It is always equal to or higher than the nominal rate. At Fair Funds Secure, our TAEG equals our nominal rate because we charge no additional fees.
Can I repay my loan early?
Yes, at any time and with no early repayment penalty. If you repay early, you only pay interest accrued up to the repayment date, saving the remaining interest.
Are the rates fixed or variable?
All our rates are fixed for the full term of the loan. Your monthly payment never changes, giving you complete budgeting certainty.
Eligibility
Who can apply for a loan?
Any individual aged 18 or over, resident in France or the EU, with a regular income and no unresolved payment incidents on their credit file can apply.
Can self-employed people apply?
Yes. We welcome self-employed individuals, freelancers, artisans and company directors. You will need to provide your last 2 tax returns and business bank statements.
Do I need a guarantor?
A guarantor is not required for most personal loans under €25,000. For larger amounts or mortgage loans, additional security arrangements may be discussed with your advisor.
Is there a minimum income requirement?
There is no fixed minimum income. We assess repayment capacity relative to your total income and existing financial commitments. We apply responsible lending principles and will never offer a loan that puts you in financial difficulty.
Can I apply with an ongoing loan from another lender?
Yes. Having an existing loan does not automatically disqualify you. We assess your total monthly repayment obligations against your income to determine affordability.
Documents & Process
What documents do I need?
You will need: a valid government-issued ID, last 3 payslips or income proof, last 3 months of bank statements, proof of address (less than 3 months old) and any project-specific document such as a quote or invoice.
How long does the application take?
The online application form takes approximately 5 minutes to complete. Our team processes your file within 24 business hours and an advisor contacts you to confirm the decision.
How quickly will I receive the funds?
Once you have signed your loan contract digitally, funds are transferred to your bank account via SEPA within 24 to 48 business hours.
Is my application secure?
Yes. Our platform uses 256-bit SSL/TLS encryption for all data transfers. Your information is stored in encrypted databases and processed under strict GDPR compliance.
What happens if my application is declined?
If your application does not meet our current criteria, we will notify you promptly with the reasons. You may re-apply after 3 months if your situation improves, or contact us to explore alternative solutions.
Repayment
On what date is my monthly payment taken?
You choose your preferred monthly repayment date at the time of signing your contract. Payments are taken by SEPA direct debit.
What happens if I miss a payment?
We encourage you to contact us immediately if you anticipate difficulty. We will work with you to find a solution. Missed payments may result in late fees and could affect your credit file.
Can I change my monthly repayment date?
Yes. Contact your dedicated advisor and we will arrange a new direct debit mandate with your preferred date, subject to a reasonable notice period.
Can I make additional repayments?
Yes. You can make additional lump-sum repayments at any time at no extra cost. These will reduce either your outstanding balance or your monthly payment, as you prefer.
Legal & Regulatory
Is Fair Funds Secure authorised to lend in France?
Yes. Fair Funds Secure is authorised by the ACPR (Autorité de Contrôle Prudentiel et de Résolution — Banque de France) and registered on the ORIAS register of financial intermediaries.
How does Fair Funds Secure handle my personal data?
Your personal data is processed solely for the purpose of assessing and managing your loan application, in accordance with GDPR (EU Regulation 2016/679) and the French loi Informatique et Libertés. We never sell your data. See our Privacy Policy for full details.
What is responsible lending?
Responsible lending means we assess each application to ensure the loan is genuinely affordable for you. We will decline any application where the repayment would cause financial hardship, and we provide clear information so you can make an informed decision.
I am in financial difficulty. What are my options?
Contact us immediately. We are committed to working with clients in difficulty. Options may include temporary payment deferral, repayment restructuring or referral to approved debt counselling services.
Didn't find your answer?
Our team is happy to help Monday to Friday, 9 AM – 6 PM.
Representative example: Loan of €25,000 over 84 months at a fixed annual rate of 2.5% (TAEG 2.53%). Monthly payment: €313.38. Total repayable: €26,324.26. Total cost of credit: €1,324.26. Processing fee: €0. Subject to credit approval and identity verification. Loan offers are valid for 30 days. Borrowing beyond your means is dangerous. Check your repayment capacity before committing. Fair Funds Secure — SIREN 123 456 789 — ORIAS N° 12 345 678 — Authorised by ACPR — Banque de France.
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