Up to €300,000 · 11 European currencies
Finance what matters, with nothing hidden.
Personal loan, project loan, debt consolidation or peer-to-peer lending: every application is read by an adviser, every cost is shown before you sign, and you pay nothing before the funds reach you.
Borrowing money costs money and must be repaid. Check that you can afford the repayments before committing. No approval is automatic.
Your application
Clear tracking, from request to payout
- Estimate
- Online application
- Review and checks
- Written offer
- Payout and follow-up
€0
paid before the funds are released — no application fee, no “release fee”
2–5 d
for a first review once your file is complete
€300k
maximum financing, or the equivalent in your currency
Solutions
Six ways to finance a project, each one regulated and explained.
€200 – €2,000
Emergency loan
A regulated answer to the unexpected: repairs, energy, health, essential transport.
3 to 18 monthsIndicative APR from 2.9 %
€300 – €5,000
Microcredit
Small-scale financing for people shut out of traditional bank lending.
6 to 36 monthsIndicative APR from 3.5 %
€1,000 – €75,000
Personal loan
An amortising loan for transport, training, health or setting up home.
12 to 84 monthsIndicative APR from 4.9 %
€10,000 – €300,000
Project loan
For larger projects: renovation, premium vehicle, starting a business, property.
24 to 180 monthsIndicative APR from 3.9 %
€2,000 – €300,000
Debt consolidation
Combine your repayments into one to regain visibility.
12 to 180 monthsIndicative APR from 5.4 %
€1,000 – €300,000
Peer-to-peer loan
Borrow from verified individuals, or lend your savings, with Social Help Crédit as trusted third party.
12 to 120 monthsIndicative APR from 4.5 %
Indicative estimate
Estimate your monthly payment
Indicative fixed APR 4.90%
Monthly payment
€344.76
- Total amount payable
- €16,548.49
- Of which interest
- €1,548.49
Non-binding estimate. The final APR, insurance and schedule appear only in the credit offer. Borrowing money costs money and must be repaid.
Continue to applicationWhy us
A banking framework, a human reading.
Humanity
Every application is read by an adviser. An algorithm never decides alone.
Transparency
Rate, term, total cost, optional insurance and mediation are shown before signature.
Responsibility
We decline to lend when the repayment would put your essential living costs at risk.
Confidentiality
Data hosted in the European Union, logged access, encrypted archives.
New
Peer-to-peer lending, with an intermediary that secures everything.
Want to borrow from an individual, or put your savings to work? Social Help Crédit verifies both parties, drafts the contract and routes the money through a segregated account at a licensed payment institution. Never a direct transfer between strangers.
- Rate capped between 3% and 9%
- 2% fee deducted at payout, nothing before
- Monthly repayment by SEPA direct debit
Security
Your data is handled the way a bank handles it.
GDPR & KYC/AML
Explicit consent, data minimisation, identity checks and anti-money-laundering controls.
Encryption
TLS 1.3 in transit, encrypted application archives at rest, restricted and logged access.
Tokenised payments
Card, SEPA, Apple Pay and Google Pay through a PCI DSS certified provider. We never hold card data.
Human decision
Scoring supports the analysis. It never decides alone, and every refusal is explained.
Ready to take stock of your project?
The estimate takes a minute. The application, ten. No commitment, no payment.