Our credit solutions in Europe
From consumer credit to debt consolidation, Finance Global Services offers € financing solutions, flexible, transparent and tailored to every European resident's profile.
Key figures
50,000+
Satisfied clients
4.8/5
Trustpilot rating
24h
Max. response time
2.5%
Indicative APR
Consumer Credit
Finance your everyday purchases
Our consumer credit allows you to finance all your projects: household appliances, home improvements, family holidays or unexpected expenses. No proof of use required.
Amount up to € 500,000 — Adapt the borrowed capital to your exact needs.
Term from 12 to 360 months — Choose the monthly payment that suits your budget.
Indicative APR from 2.5% — Competitive rate, no hidden fees.
Decision in principle within 24h — Application processed quickly by our advisors.
Consumer Credit
Flagship offer
2.5%
Fixed annual
rate
€ 3,000
Min. amount
€ 500,000
Max. amount
12 months
Min. term
360 months
Max. term
Representative example
€ 10,000 over 36 months — monthly payment € 288.61 — indicative APR 2.5%
Personal Loan
Fully free use
Vehicle purchase
Car, motorbike, motorhome
Travel & leisure
Holidays, cruises, adventures
Studies & training
Tuition fees, licences, diplomas
Life events
Wedding, birth, anniversary
Personal Loan
Free financing for all your projects
The Finance Global Services personal loan gives you complete freedom of use. No proof of use of funds is required. Finance your personal projects according to your priorities, at your own pace.
100% free use — No proof of use of funds required.
Indicative APR from 2.5% — Personalised rate based on your profile.
From € 3,000 to € 500,000 — Adapt the amount to each life situation.
Early repayment possible — Maximum flexibility without excessive fees.
Debt Consolidation
Consolidate your loans, reduce your payments
Have multiple loans outstanding? Our debt consolidation solution allows you to group them into a single loan, with a reduced monthly payment and a single point of contact. An effective solution to restore a balanced budget.
Reduce monthly payments by up to 60% — Regain purchasing power from the first month.
Indicative APR from 2.5% — Our most competitive offer for larger amounts.
Term up to 120 months — Spread repayment over a maximum of 10 years.
Single point of contact — Simplify budget management and reduce financial stress.
Before / After consolidation
BEFORE — 3 separate loans
AFTER — Finance Global Services consolidation
1 single monthly payment
Indicative APR 2.5% — 120 months
Comparison table
Choose the solution that suits you
Compare our three main offers to find the financing best suited to your situation.
| Features | Consumer credit | Personal loan | Debt consolidation |
|---|---|---|---|
| Fixed rate | 2.5% | 2.5% | 2.5% |
| Minimum amount | € 3,000 | € 3,000 | € 3,000 |
| Maximum amount | € 500,000 | € 500,000 | € 500,000 |
| Maximum term | 360 months | 360 months | 360 months |
| Proof of use | Not required | Not required | Not required |
| Early repayment | ✓ Possible | ✓ Possible | ✓ Possible |
| Decision in principle | Within 24h | Within 24h | Within 48h |
How it works
Get your credit in 3 steps
A 100% digital process, no travel required and no surprises.
Simulate online
Our free simulator calculates your monthly payment and indicative APR in seconds, with no impact on your credit score.
Submit your application
Complete our secure form in 5 minutes. Our advisors analyse your file and send you a response within 24 business hours.
Receive your funds
After signing and expiry of the statutory 14-day withdrawal period (CCA / LCC RS 221.214.1), funds are transferred directly to your bank account.
Frequently asked questions
Everything you need to know about our services
Both products work in a very similar way. The main difference is commercial: consumer credit is often associated with a specific purchase (equipment, home improvements), while a personal loan is presented as entirely free-use. In both cases at Finance Global Services, no proof of use is required. Conditions (rate, term, amount) vary slightly depending on the product chosen.
Yes, subject to acceptance of your application and compliance with your overall debt ratio. Your Finance Global Services advisor assesses your repayment capacity when analysing each application. In some cases, a debt consolidation may be more appropriate than accumulating separate loans.
Debt consolidation is particularly advantageous if you have at least 2 outstanding loans and your monthly payments represent a significant portion of your income. It can reduce your total monthly payment — sometimes by up to 60% — at the cost of extending the repayment term. Your advisor will carry out a personalised simulation to evaluate the concrete benefit in your situation.
For all our products, you must: be aged 18 or over, reside in one of the countries we serve (France, Switzerland, Belgium, Germany, Austria, Luxembourg, Italy, Spain, Portugal or the Netherlands), have stable and regular income, and not be subject to a banking ban. Each application is assessed individually, taking your entire financial profile into account.
Ready to choose your solution?
Our advisors are available to help you choose the credit most suited to your profile and project.