Revolving Credit — Permanent Reserve up to €15,000 | SOFIES
A cash reserve available 24/7. Pay only what you use. From {rate}% APR, automatically renewable.
2.5%
APR from — Competitive fixed rates
Up to €15,000
Maximum loan amount available
Permanently Renewable
Flexible repayment duration
Your reserve. Always there when you need it.
Revolving credit gives you a flexible cash reserve, available anytime, no justification needed. Draw what you need, when you need it.
You pay interest only on the amounts actually used. The reserve rebuilds as you repay. Zero cost if you don't use the line.
Key Features of Revolving Credit
Loan Amount
Credit Reserve From €500 to €15,000
Flexibly Adjustable Reserve as Needed
Repayment Term
Permanently Available
Automatically Renewable Each Year
APR
From 2.5% Competitive APR*
Applicable Only on Amounts Actually Used
Security
No Physical Collateral Required
On Personal Signature Only
Key Advantages of Revolving Credit
- Available 24/7 : : Immediate access by card or transfer, any time.
- Automatic rebuild : : The reserve replenishes progressively as you repay.
- Zero cost if unused : : No interest, no fees as long as you don't draw on it.
- Flexible repayment : : Low minimum payment, full early repayment with no penalty.
- Dedicated card included : : Convenient use with associated card, accepted worldwide.
Eligibility Conditions and Responsible Use Criteria
Eligibility conditions
- Adult and legally resident
- Regular, verifiable income
- No over-indebtedness
- No banking ban or negative credit entry
Recommended responsible use
- Occasional use recommended, not for daily expenses
- Avoid impulse unplanned purchases
- Plan a realistic repayment schedule
- Monitor available balance regularly
Required Documents
Identity
- Valid ID card or passport
- Proof of address less than 3 months old
- IBAN for transfers
Income
- Last 3 pay slips
- Latest tax assessment
- Employer certificate if required
Banking
- Bank statements for the last 3 months
- Documentation of existing loans
- Assets declaration
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 : Representative example : reserve of €3,000 permanently used at 6.9% APR, monthly repayment €90 : term 40 months, total credit cost €597.
- Responsible use : this credit is not intended for daily recurring expenses.
- Minimum payment : at least 3% of capital used or minimum €15.
- Annual renewal : automatic review of your situation.
- Cancellation : possible at any time, full repayment of outstanding balance required.
Your financial reserve, always available.
Enjoy a Highly Flexible Financing Solution with Our Revolving Credit
