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Has your washing machine suddenly given out on you? Have you fallen in love with the latest touchscreen tablet? Revolving credit is specially designed to help you deal with these unexpected expenses or make your plans a reality. With this solution, you have the freedom to use the amount available to you as and when you need it.
A cash reserve, also known as a “reserve”, is made available to you, which can be used in full or in part depending on your requirements. You can choose the repayment period in accordance with the terms of your credit agreement. What’s more, the revolving credit gradually builds up again as you make your repayments. In this way, the part of the capital repaid becomes available again, allowing you to use it as you wish. Note that interest is calculated only on the part of the credit that is used and amortised.
To meet your financial needs, you can use your cash reserve as you wish. Choose from three repayment options:
Slow Speed: a moderate monthly payment offering greater flexibility in your budget.
Vitesse Moyenne (Medium Speed): a monthly repayment that’s balanced in terms of duration and amount.
Vitesse Rapide: a higher monthly payment to speed up repayment.
Adjust your repayments upwards or downwards according to your financial means. In this way, your revolving credit adapts to your situation according to your usual expenditure.
Revolving credit is replenished as you make repayments, and can be used again if you need money again.
You can use it throughout the year (up to the amount available),
The amount requested will then be paid into your bank account within 48 hours of receipt of your transfer request, in accordance with the terms and conditions of your contract.
Each month, you will receive a monthly statement by post or e-mail detailing the use of your revolving credit, including current and special expenses.
As long as you don’t use your revolving credit, you won’t be charged any fees.
The list of documents required for a revolving credit application includes:
– Documents relating to personal circumstances: identity document, family situation, housing status (tenant or owner).
– Documents relating to your professional situation: professional status (private sector, public sector, self-employed, temporary, etc.), occupation, type of employment contract.
– Documents relating to your income and expenses: monthly income (wages, bonuses), other sources of income (property income, allowances, pensions), housing expenses, any other loans you may have taken out.
Note that at Sofenco, you can take out your loan entirely online and submit all your supporting documents electronically.
Fill in the application form and sign your contract online, from your computer, mobile phone or tablet.
Make a quick application and receive an instant, definitive answer for your personal loan. Quick. Simple.
Zienance has been an approved bank since 2000, guaranteeing you enhanced protection for your personal data.
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