Peer-to-peer lending
Borrow from a person, lend to a person. Safely.
Social Help Crédit connects individual borrowers and lenders and acts as trusted third party: verification, contract, money flows, repayment monitoring and amicable recovery.
I want to borrow
From €1,000 to €300,000, over 1 to 10 years. Your project is shown anonymously to verified lenders.
- Rate capped between 3% and 9%
- 2% fee deducted at payout, nothing before
- Monthly repayment by SEPA direct debit
I want to lend
Choose the projects you fund, from €1,000. You receive interest every month.
- Projects reviewed and graded by our analysts
- 1% service fee on amounts repaid
- Repayment dashboard
How it works
01
Sign-up and checks
Each party proves their identity. The lender shows the source of funds (anti-money-laundering obligation).
02
Review and listing
We review the borrower’s budget, assign a risk grade and present the anonymised project to lenders.
03
Contract and secured funds
The loan agreement is signed electronically. Funds go into a segregated account at a licensed payment institution, then to the borrower.
04
Monitored repayments
The borrower repays by direct debit. We pass payments to the lender, chase late payments and handle amicable recovery.
The rules that protect you
Never a direct transfer
Money never moves from one personal account to another. If a “lender” asks you to pay fees, it is a scam.
Verified identities
ID, address and bank account checks for each party.
Written contract
Amount, rate, term and schedule are fixed in writing. In France, loans above €5,000 are declared to the tax authorities (form 2062).
Capped rates
Rates stay within a published band and below the usury ceiling.
Warning for lenders
Lending money carries a risk of losing all or part of your capital and a liquidity risk: you cannot get your money back before the loan ends. Interest received is taxable. Only lend money you do not need in the short term, and diversify.
Indicative estimate
Estimate your monthly payment
Indicative fixed APR 4.50%
Monthly payment
€342.05
- Total amount payable
- €16,418.52
- Of which interest
- €1,418.52
Non-binding estimate. The final APR, insurance and schedule appear only in the credit offer. Borrowing money costs money and must be repaid.
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Questions about peer-to-peer lending
How does peer-to-peer lending work?
We verify the borrower’s identity and affordability and the lender’s identity and source of funds, then draw up a written contract. Money moves through a segregated account at a licensed payment institution: lender and borrower never transfer money to each other directly.
I lend my money: what are the risks?
A loan may not be repaid. You can lose some or all of the capital lent. Only lend what you can afford to lose, and spread it across several loans.
Do I have to pay anything before receiving the funds?
No, never. Social Help Crédit never asks for a payment to “release”, “insure” or “validate” a loan. If someone asks you to in our name, it is a scam: report it to us immediately.