Practical guide

The right checks before sending a file

Before submitting an online request, take a few minutes to define your need, review your budget and prepare the information that will help with the review of your file.

1

Start with the real need

A file is more credible when the requested amount matches a clearly defined purpose. The more precise the project is, the easier it is to review.

  • Avoid “just in case” amounts that are far above the real need.
  • Separate the main need from incidental expenses.
  • Ask yourself what exactly you are financing and why now.
2

Read the figures together

A low monthly payment is not always the best option. You should look at the term, the total cost and the real effect on your monthly budget at the same time.

  • Always compare the monthly payment with the total cost over time.
  • Check whether the monthly effort remains affordable after fixed expenses.
  • Keep in mind that a longer term can increase the overall cost.
3

Prepare the useful documents

The quality of an initial answer also depends on the quality of the available information. A complete file avoids longer exchanges and unnecessary grey areas.

  • ID, proof of address and recent income documents are usually expected.
  • For a specific project, quotes, order forms or quantified elements strengthen consistency.
  • Check that the information entered matches the documents you will be able to provide.
4

Recognise a serious offer

Before going further, take time to verify the essential information and compare what really matters for your project.

  • Always compare total cost, term and monthly payment.
  • Check the company identity, contact details and available contact channels.
  • Read the conditions before sending your information or supporting documents.

Quick checklist before validation

  • I can explain exactly what the requested amount is for.
  • I know the term that I consider affordable.
  • I understand that a simulation is not a final approval.
  • My contact details and information are accurate.
  • I can provide the documents matching my declaration.
  • I have checked the information notices, privacy policy and contact details.