Social Help CréditResponsible lending

Our solutions

Six financial answers, one standard.

Each solution is assessed on your real need, your budget and your documents. Indicative rates and amounts, converted into the currency of your choice.

Electrician repairing a wall socket
Amount
€2,000
Term
3–18
Rate
2.9 %

Solution 01

Emergency loan

€200 – €2,000 · 3 to 18 months · Indicative APR from 2.9 %

A regulated answer to the unexpected: repairs, energy, health, essential transport.

Fast-track review once documents are complete. It is not a guaranteed loan, nor revolving credit. Funds are paid after written acceptance and, where applicable, the withdrawal period.

  • ID
  • Proof of the emergency
  • Ability to repay
  • Bank details
Apply for this solution
Craftsman in an apron in his workshop
Amount
€5,000
Term
6–36
Rate
3.5 %

Solution 02

Microcredit

€300 – €5,000 · 6 to 36 months · Indicative APR from 3.5 %

Small-scale financing for people shut out of traditional bank lending.

Support available through our partner charities. An interview and supporting documents remain mandatory: microcredit is not an instant loan.

  • ID document
  • Employment status
  • Monthly budget
  • Bank details
Apply for this solution
Woman driving a car
Amount
€75,000
Term
12–84
Rate
4.9 %

Solution 03

Personal loan

€1,000 – €75,000 · 12 to 84 months · Indicative APR from 4.9 %

An amortising loan for transport, training, health or setting up home.

Personal assessment of your ability to repay. Nothing to pay before payout. Decision after identity check and affordability review; a refusal is always explained and costs nothing.

  • Proof of identity
  • Proof of address
  • Income
  • Bank account in your name
Apply for this solution
Detached house lit at dusk
Amount
€300,000
Term
24–180
Rate
3.9 %

Solution 04

Project loan

€10,000 – €300,000 · 24 to 180 months · Indicative APR from 3.9 %

For larger projects: renovation, premium vehicle, starting a business, property.

From €10,000 to €300,000 (or the equivalent in your currency), over 2 to 15 years. Collateral (guarantor, mortgage, pledge) may be required above €75,000. The structure is explained in writing before anything is signed.

  • ID and address
  • Last three tax returns
  • Quote or project description
  • Assets and collateral
Apply for this solution
Hands using a calculator over budget documents
Amount
€300,000
Term
12–180
Rate
5.4 %

Solution 05

Debt consolidation

€2,000 – €300,000 · 12 to 180 months · Indicative APR from 5.4 %

Combine your repayments into one to regain visibility.

Consolidation does not erase debt: it reschedules it, and a longer term increases the total cost. A debt review comes before any offer. If you are over-indebted, we refer you to the public debt-relief procedure.

  • List of current loans
  • Income
  • Outgoings
  • ID and bank details
Apply for this solution
Handshake between two people at a desk
Amount
€300,000
Term
12–120
Rate
4.5 %

Solution 06

Peer-to-peer loan

€1,000 – €300,000 · 12 to 120 months · Indicative APR from 4.5 %

Borrow from verified individuals, or lend your savings, with Social Help Crédit as trusted third party.

Written contract, both parties verified, funds held in a segregated account, repayment schedule monitored by our team. Rates are set within a regulated band of 3% to 9%.

  • Verified identity
  • Proof of income
  • Project description
  • Bank details
Apply for this solution

Fees

What you pay, and when.

Our fees are known in advance and are never collected before the funds are paid out. If your application is declined or withdrawn, it costs you nothing.

Application review
€0
Free, whatever the outcome.
Brokerage fee
1.5%
Of the amount financed, deducted at payout and included in the APR.
Peer-to-peer — borrower
2%
Of the amount financed, deducted at payout.
Peer-to-peer — lender
1%
Of repayments received. No entry fee.
Early repayment
As per law
Compensation capped by consumer law, often zero.

No payment is ever requested to open or review an application. Repayments start after signature and payout, according to the contract schedule.