My credit in Luxembourg

Your credit in Luxembourg, in brief

How do I get credit in Luxembourg?

Everything starts with an application online or by telephone, with no obligation: there are never any arrangement fees, whether or not your credit is granted. We review your situation and generally answer within 1 to 4 working hours. After the agreement in principle, you send us your documents, you sign your agreement at our office, usually within 1 to 2 days, and the money is generally paid on the day you sign, and within 24 hours at most. Each step is explained in How it works.

Who can borrow?

Residents of Luxembourg and Belgium with regular income from either of those two countries, aged 18 to 75 (80 for homeowners). It all depends on your income and your commitments: we look at the share of your income that goes on repaying your commitments and at what you have left to live on each month. Full details are on the loan conditions page.

Which credit should I choose?

• Personal loan: for all your projects, with no need to show what the money is for.
• Debt consolidation: your current loans brought together in a single monthly instalment.
• Home improvement loan: to renovate your house or flat.
• Car loan: for a car or motorbike, new or used, bought from a professional seller.
• Energy loan: for work that reduces your energy consumption.

Bank or broker?

Your bank offers you its own loans. Credit 24, an independent broker, works with several financial partners: a single application gives you access to different proposals, and we help you choose the one that suits your situation. The comparison is set out on the broker or bank page.

What rate for your credit?

The rate depends on the credit chosen, the amount, the term and your application. Our current rates are shown below, and the simulation gives you your monthly instalment in seconds.