Credit for any purpose
Personal loan
Credit for all your projects
The Credit 24 personal loan is an instalment loan in Luxembourg, with no stated purpose: you will not have to justify how you use the funds. Your personal credit can be used to finance any project, up to €100,000.
from
7.95 %
APR
Personal loan: the benefits
Matched to your budget
Simulate the monthly instalment of your personal loan by choosing a term that suits how much you can repay each month. The repayment term runs from 24 to 120 months. The rate is fixed, so your instalment stays the same throughout.
For any purpose
We do not usually ask what the credit is for. You are free to use the amount you obtain as you wish.
Fast answer
Our advisers answer your credit application within 1 to 4 working hours.
Personal loan at a glance
- Amount: from €2,500 to €100,000, with no need to show what the money is for.
- Term: from 24 to 120 months depending on the amount, at a fixed rate: your monthly instalment never changes.
- Rates: as at 24 September 2026, from 7,95 % (fixed APR), depending on the amount, the term and your application. How they change month by month.
- Answer: generally within 1 to 4 working hours.
- Payment: generally on the day you sign your agreement, and within 24 hours at most.
- Who for: residents of Luxembourg or Belgium with regular income from either of those two countries.
- Arrangement fees: Credit 24 never charges any, neither for the application nor for the credit. You only pay the interest.
- Tax: if you file your tax return in Luxembourg, the interest you pay is deductible, within the limits set by law.
How much does a personal loan cost?
Here are the monthly instalment and the total repaid for the most requested amounts and terms.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 5 000,01 €36 months | 163,51 €APR 11,49 %* | 5 886,36 € |
| 10 000 €36 months | 327,03 €APR 11,49 %* | 11 773,08 € |
| 10 000,01 €60 months | 201,20 €APR 7,95 %* | 12 072,00 € |
| 15 000,01 €84 months | 231,36 €APR 7,95 %* | 19 434,24 € |
| 20 000,01 €120 months | 239,22 €APR 7,95 %* | 28 706,40 € |
| 100 000 €120 months | 1 196,13 €APR 7,95 %* | 143 535,60 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
The simulation gives you your monthly instalment in seconds, for the amount and term of your choice.
Key features
- Type of credit
- instalment loan
- Purpose
- personal loan
- Amounts available
- from €2,500 to €100,000
- Terms available
- from 24 to 120 months
- Fixed borrowing rate
- from 7.95 % to 14.49 %
- APR
- from 7.95 % to 14.49 %
Who can get a personal loan?
To obtain a personal loan, you must meet these conditions:
- Be resident in Luxembourg (or Belgium)
- Receive regular income from Luxembourg (or Belgium)
- Be of legal age (over 18)
- Not be registered as a defaulter or subject to a wage attachment
Your income may come from employment or the civil service, a pension, replacement benefits, or self-employment based in Belgium. You must be between 18 and 75 years old (80 for homeowners).
A Belgian resident is treated exactly like a Luxembourg resident: same conditions, same rates. A co-borrower with no income is possible if the borrower's income is sufficient. Residents of other countries are not eligible.
Full details are on the page setting out the conditions for taking out credit. We review every credit application personally before deciding whether to grant the loan.
What salary do you need to borrow?
It all depends on your income and the commitments you already have (rent, other loans, etc.). We look at two things: the share of your income that goes on repaying your commitments, including the new instalment, and the amount you have left to live on each month, which must not fall below a minimum.
That share should ideally stay below half of your income, and can go further if your income is higher. What you have left to live on must be at least €1,100 for a single person and €1,500 for a couple.
For example, for a loan of €20,000 over 5 years, the monthly instalment is about 402,41 €: that is the amount that has to fit into your budget. Work out your borrowing capacity from your income and outgoings.
How does a personal loan work, step by step?
Your application
Online or by telephone, with no obligation.
Our answer
Generally within 1 to 4 working hours.
Your documents
This is the step that sets the timing: the sooner we receive your complete documents, the sooner your application moves forward.
Signing
At our office, usually within 1 to 2 days.
Payment
Generally on the day you sign, and within 24 hours at most, by transfer to an account in your name (as holder or joint holder). The money arrives within minutes if your bank accepts instant transfers, otherwise within 1 to 2 working days.
A loan with "no proof required": what does that mean?
You do not have to prove what the money will be used for: no invoice, no quotation, no order form. The personal loan can finance any project, for an amount between €2,500 and €100,000.
As with any credit, however, we ask for the usual documents: identity, income, address.
A personal loan: for which projects?
The Credit 24 personal loan lets you borrow a sum of money that you are free to use as you wish:
- Buying furniture or new furnishings
- Redecorating your house or flat
- Financing your move: costs, rental deposit and so on
- A wedding or other family events
- Medical care, cosmetic surgery, dental implants and so on
- Travelling abroad
- Work on a house or flat located abroad
- Repaying a family debt
- Financing training or studies
- Making purchases
- Buying a car or motorbike from a private seller
- Any other project
Buying a car or motorbike from a private seller?
A vehicle bought from a private seller is financed with the personal loan: the car loan is reserved for purchases from a professional seller, dealership or garage.
The loan then has that vehicle as its purpose, but it is not limited to its price: you can add other expenses to it. We will ask for the sale agreement and the vehicle's registration certificate.
How does it differ from a credit card or a cash reserve?
The personal loan is an instalment loan that gives you a structured, transparent arrangement. Unlike credit cards or cash reserves, everything about our personal loan is fixed from the outset: the amount borrowed, the repayment term and the monthly instalment.
With a cash reserve, you have an amount you can draw on at any time, but you usually repay only a minimum each month. These forms of credit often carry higher interest rates. The result is that the capital falls slowly and the total cost can rise quickly.
A personal loan, by contrast, lets you know exactly when your credit will be fully repaid. You move forward with a clear end date, with no unpleasant surprises and a full view of your budget.
If your credit cards never seem to clear, or you pay substantial interest every month, it may be worth choosing a more controlled solution such as debt consolidation.
How does it differ from other instalment loans?
The main difference concerns what the credit is for.
The personal loan is an unallocated credit, whereas other instalment loans are allocated credit.
With an allocated credit, such as a car loan or a home improvement loan, the borrower must provide a supporting document (invoice, order form, quotation and so on) confirming precisely what the funds are for.
With a personal loan, on the other hand, the sum borrowed is paid straight into your bank account without any proof of what the funds are for.
Advantages and limits of a personal loan
The advantages
- Free use: you use the money as you wish, with no proof of spending.
- Fixed rate: your monthly instalment stays the same until the end.
- Everything known in advance: the end date and the total cost of your credit.
- Early repayment: possible at any time, future interest is cancelled, subject to a fee of 1% of the capital repaid early (or 0.5% less than a year before the scheduled end). Details in the frequently asked questions.
- Deductible interest: if you file your tax return in Luxembourg, within the limits set by tax law; every year we send you the certificate to attach to your return. Details in the frequently asked questions.
- Several lenders: a single application gives you access to several financial partners.
Good to know
- Allocated credit: a car, home improvement or energy loan often has a lower rate, but it requires an invoice or a quotation.
- Term and cost: a longer term lowers the monthly instalment but increases the total cost.
- Commitment: the monthly instalment is a firm commitment, to be built into your budget for the whole term of the credit.
Why choose Credit 24 for your personal loan in Luxembourg?
Obtaining a low-rate personal loan in Luxembourg takes more than comparing offers online. Choosing the right intermediary is essential if the terms are to genuinely suit your situation.
With more than 15 years of experience in credit in Luxembourg, Credit 24 supports its clients with care and consistency. Our team knows the particularities of the Luxembourg market inside out.
As an independent broker, we work with several financial partners, including Alpha Credit (BNP Paribas), Record Credits (ING) and Elantis (Belfius). A single application therefore gives you access to different proposals and to favourable terms matched to your profile.
We favour personal, fast and transparent support. Many clients have trusted us for years. Why not you?
How do I apply for a personal loan?
For a decision with no obligation, submit your credit application and we will give you a fast answer, within 1 to 4 working hours.
You can also run a personal loan simulation and calculate the monthly instalment.
I have other questions
See the answers to our clients' frequently asked questions, contact us or call us on (+352) 20 20 34 41.
The loan rate applied depends on several factors, such as the lender (credit institution), the type of instalment loan, the sum borrowed, the term of the loan, the debt ratio, the disposable income and so on.
The information on this page does not constitute a credit offer and is subject to acceptance of the loan application.
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