Frequently Asked Questions
For natural persons:
- The borrower must be at least 18 years old.
- People who have reached retirement age can also receive a loan.
- Official, verifiable, regular income required.
- FIDES ACQUISITIONS evaluates the creditworthiness and solvency of the applicant taking into account existing obligations and income.
- The employment duration at the last place of work must not be less than 3 months.
- You can apply for a loan by completing the application form on FIDES ACQUISITIONS's website or by contacting our customer service.
For legal entities:
- A legal entity must be resident in the respective country.
- A legal entity must have been carrying out an economic activity for at least the last 6 months.
- One or more owners of the legal entity holding the majority of shares must personally guarantee the loan. The guarantor must meet all requirements applicable to a natural person.
- The cash flows and economic activity of the legal entity must be sufficient to ensure the fulfilment of credit obligations.
- The company must have a good credit rating.
- It depends on the required loan amount and term, as well as existing obligations in relation to income.
- FIDES ACQUISITIONS considers official, regular, and verifiable income as well as existing obligations and credit history when evaluating loan applications. The borrower must complete a loan application to learn about loan options.
Cash / Consumer Loan
- FIDES ACQUISITIONS offers cash loans for both everyday needs and larger projects by transferring money to the bank account specified by the borrower.
- FIDES ACQUISITIONS offers loans from €5,000 to €10,000,000.
- The loan term can be flexibly chosen between 6 and 300 months.
- You can apply for a loan quickly and securely online via our website.
Car Loan
- FIDES ACQUISITIONS offers a car loan for the purchase of a vehicle.
- The vehicle must be registered in the borrower's name after the loan is disbursed.
- The sale or gift of the purchased vehicle before full repayment requires the written consent of FIDES ACQUISITIONS.
Loans for Goods and Services
- FIDES ACQUISITIONS also offers consumer loans for the purchase of healthcare services, household appliances, IT equipment, furniture, building materials, etc..
- We also finance services such as tuition fees, training courses or medical treatments.
After FIDES ACQUISITIONS receives a signed copy of the contract, the transfer is usually made to the bank account specified by the customer within 24 to 48 hours on business days.
International bank transfers may have slightly different processing times depending on the recipient bank.
For your convenient repayment, you can transfer your monthly instalments to our following bank account:
- Recipient bank: Nom Banque UK
- Account holder: Titulaire EN
- IBAN: GB00 0000 0000 0000 0000 00
- BIC / SWIFT: BIC-EN
Please always state your contract number as the payment reference for each transfer.
FIDES ACQUISITIONS also grants loans to legal entities, including agricultural businesses, freelancers and limited liability companies.
In addition to the loan application, the legal entity must submit proof of income (e.g. balance sheets) and complete a personal guarantee application.
For a legal entity to receive a loan, the managing director or owner must generally provide a personal guarantee.
Yes. If the customer wishes to make an early repayment, the customer must contact FIDES ACQUISITIONS in writing at info@fidesaq.com or by phone at +33 7 45 49 77 96 to request the full payment balance in accordance with the contract terms.
Loan payments must be made according to the issued payment plan. If payment is not made after the date specified in the schedule, late interest will be charged.
If, for valid reasons supported by relevant documents, you are unable to make payments on time, please contact us as soon as possible by phone or email.
Each situation is evaluated individually..
Promotional or special product loans often incur neither a usage fee nor interest (0%). FIDES ACQUISITIONS occasionally offers such interest-free loans in cooperation with partners.
When purchasing goods on credit, please note that the lender is not responsible for the quality of the goods. The seller is responsible for the quality of the goods. Please resolve any warranty claims directly with the seller.
The Annual Percentage Rate (APR) represents the total cost of the loan, expressed as an annual percentage of the total loan amount granted, including all other costs defined in the loan agreement.
Consumer loans are strictly regulated by the European Consumer Credit Directive and the respective national laws to ensure maximum transparency for the customer.
Before taking out a loan, think about the need for it and your repayment options!
Check whether you can cover the loan payments within the terms and amounts set out in the contract. Choose a repayment plan that you can stick to.
To ensure responsible lending, we need to verify your income. We generally require the following documents:
- Employees: The last 3 pay slips and bank statements showing salary receipt.
- Self-employed: Current income tax assessment, profit and loss account (BWA) or comparable tax documents.
- Retirees: Current pension notice.
You can submit these documents quickly, securely and encrypted online after submitting your application.