Questions & answers

Online credit is a way to speed up the process of obtaining a loan, but to obtain funds as quickly as possible, here are some simple tips drawn from our experience in processing tens of thousands of credit files: First of all, check that your supporting documents (ID, Pay stub, Tax notice, Proof of address, Account statement, Bank identity statement, Credit contract) are valid. Then send them to us at the following address contact@firmancy.com, after completing the loan application form on our site.

Firmancy ® asks you for the supporting documents required by law or in accordance with the practices of banking establishments. The precise list of supporting documents that we request will be sent to you by email. We do not ask you for originals, you will simply have to send us these documents by email & sign your contract electronically. Note that we simplify the procedures for borrowers who have already had a first loan with us.

Are you on your computer & don't have anything to scan or print your receipts? All you have to do is use your smartphone to take photos of your supporting documents. Then send them to us via email at: contact@firmancy.com.

The supporting documents accepted by us are as follows: Identity document, Pay stub, Tax notice, Proof of address, Account statement, Bank identity statement, Credit contract.

Everything you need to know before submitting your financing request.

The maximum amount depends on the type of loan chosen. Leasing & work credit can go up to €75,000, student loans up to €70,900. See our services pages for details by product.

Once your file is complete & your contract is signed electronically, the funds are transferred within 24 to 72 working hours to your bank account.

Yes, full or partial early repayment is possible. Specific conditions apply depending on your contract. Contact your advisor to find out the exact terms & conditions.

Borrower’s insurance is not legally obligatory, but it is strongly recommended. It protects you in the event of death, incapacity for work or loss of employment & provides security for your loved ones.

Yes, in accordance with current regulations, you are free to take out insurance from a third-party organization, provided that the guarantees are equivalent to those offered by Firmancy ®.

Our animal insurance reimburses all or part of veterinary costs in the event of illness or accident. Vaccines & medications can also be covered depending on the plan purchased.

Yes, our home insurance covers both owners & renters. It includes basic rental risks (fire, water damage, theft) as well as extended optional guarantees.

The analysis of the file submitted by the borrower is carried out exclusively by the internal teams of Firmancy ®, which ensures the confidentiality of the information. Unlike many of our competitors. Throughout your credit with Firmancy ®, your personal data remains confidential. Consult the legal notice of Firmancy ® to find out more.

Firmancy ® has a legal obligation to verify your identity. Following analysis of the information you give us during your subscription, Firmancy ® may, if necessary, refuse your loan request. Indeed, we do not wish to offer credit to people who could not repay it, both out of respect for Borrowers & Investor-Lenders (how would we repay them?).

You can exercise your right of access to personal data concerning you, have them rectified, deleted or oppose their use for prospecting purposes by contacting the following address: contact@firmancy.com.

Yes. Firmancy ® uses 256-bit SSL encryption on all its pages & a strong authentication system. Our infrastructures are audited regularly by independent cybersecurity experts.

In the event of temporary difficulty, contact your advisor Firmancy ® immediately. We study suitable solutions together: postponement of due dates, rearrangement of the repayment plan. Don't let the situation deteriorate without warning us.

Yes, the withdrawal date can be changed upon simple request from your advisor, subject to 5 working days' notice before the next due date.

A complete amortization table is sent to you upon signing your contract. You can also request an updated statement at any time from your advisor.

At any time, you have the possibility to object to commercial prospecting by Firmancy ®, by clicking on the “unsubscribe” link appearing in our newsletter.

Firmancy ® has its registered office at: .

Firmancy ® opened its doors on January 16 , following a 15-month participatory process during which our 57 founding members worked collaboratively to shape our philosophy, principles, policies, value system & operational platform.

Firmancy ® operates in more than 120 countries around the world, with local partners in each of these markets to guarantee quality service adapted to local regulations.

Firmancy ® is an approved credit institution, having the necessary regulatory authorizations to carry out its lending activity. It is not a traditional commercial bank, but operates under the control of the relevant financial supervisory authorities.