Personal Loan — Up to €50,000 | SOFIES
Fund your personal projects with no justification needed. Decision in 48h, fixed rate from {rate}% APR, no collateral. SOFIES.
2.9%
APR from — Competitive fixed rates
€50,000
Maximum loan amount available
10 years
Flexible repayment duration
One loan. Total freedom.
Car, wedding, holiday, home — the SOFIES personal loan funds your plans without asking why. Complete freedom of use, fixed rate, decision in 48h.
No collateral required. Fixed monthly payments from first to last. Early repayment at any time, no fees.
Personal Loan Terms
Loan Amount
Up to €50,000
Amount based on repayment capacity
Repayment Term
From 12 months to 10 years
Flexible term options
APR
From 2.9% APR*
Predictable fixed-rate financing
Security
No Collateral Loan
No guarantor required
Your Benefits with the SOFIES Personal Loan
- Freedom of Use : No obligation to specify what you spend it on
- Express Processing : Credit decision within 48 hours
- Fast Disbursement : Funds available following contract acceptance
- Rate Security : Consistent monthly payments throughout the loan term
- Flexible Repayment : Early repayment allowed at any time, fee-free
Eligibility Conditions
Borrower Profile
- Adult with residence required
- Regular income mandatory
- No negative credit history
- Debt ratio below 35%
General Conditions
- Maximum age : 75 at final maturity
- Banking with SOFIES recommended
- Loan insurance available
- Processing fees per regulation
Required Documents
Identity Documents
- National ID or passport
- Proof of address (under 3 months)
- Family record if married or civil partner
Income Proof
- Last 3 pay slips
- Last 2 tax assessments
- Employment contract or employer certificate
- IBAN of main account
Banking Situation
- Last 3 bank statements
- Amortisation schedules of current loans
- Payment schedules of existing commitments
- Proof of recurring monthly charges
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal Notices
- *APR Example : For a €15,000 loan over 48 months at 5.2% APR : 48 payments of €347, total due €16,656 (credit cost : €1,656).
- Simplified Process : In-principle decision within 48 business hours.
- Early Repayment : Full or partial at any time, no early repayment fee.
- Right of Withdrawal : 14 calendar days to cancel without reason.
- Unallocated Credit : No obligation to justify use of funds.
Fund Your Plans Without Delay.
Apply for financing online — fast decision guaranteed
