FREQUENTLY ASKED QUESTIONS
We are regularly asked several questions, we have grouped them here to help you better. Do not hesitate to contact us if you have any further questions.

WHAT ARE THE ELIGIBILITY REQUIREMENTS?

  • Be 18 years of age or older

  • Being a European resident

  • Being of good character means honouring a commitment.

  • Have a minimum monthly income of 1.000€.

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WHAT DOCUMENTS DO I HAVE TO PROVIDE?

  • Double-sided scanned IDs.

  • Copy of a bank statement.

  • Last electricity bill or any other equivalent document that can prove your address.

  • Last pay slip or any other document that can justify your monthly income.

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WHAT ARE THE PROPOSED INTEREST RATES?

  • The annual, fixed interest rate ranges from 2% to 3%.

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​DURATION OF THE LOAN.

  • The term of your loan cannot exceed 40 years.​

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​START OF MONTHLY WITHDRAWALS.

  • They start between 60 days (2 months) and 90 days (3 months) from the day the borrower receives the full amount of the loan.

 

​HOW LONG WILL IT TAKE ME TO FIND OUT IF I'M ACCEPTED?

  • Once your request is completed, you will receive a response within one business hour.

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​HOW FAST CAN I GET MY MONEY?

  • Thanks to our exclusively online service, it is possible to receive your money within 72 hours of signing the contract. Regular deposits can take from 24 to 48 business hours.

 

IS THE PROCESS SECURE AND CONFIDENTIAL?

  • Yes, we exceed the highest industry standards and your request is 100% confidential.

 

CAN I MAKE A PREPAYMENT?

  • Of course, it is possible to pay off your loan at any time. All you have to do is contact us to obtain your balance and proceed with early repayment.

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​HOW DO I APPLY?

  • You can apply for a personal loan directly on our website using our web form.

 

I FILLED OUT THE FORM AND IT DOESN'T WORK?

  • First make sure that all fields are filled in with the correct information. Incorrect or incomplete information will automatically prevent the form from being sent. If the problem persists, please send us an e-mail.

 

CAN I DEFER A PAYMENT?

  • No problem, you must contact us 72 business hours before the date of the payment you wish to postpone.

 

IN CASE OF NON-PAYMENT, WHAT WILL HAPPEN?

  • You must first contact us. In the event of repayment difficulties, your insurance will cover the temporary or full repayment of your loan.

 

LOAN AGREEMENT AND INSURANCE

  • The borrower will be required to sign a loan agreement and a credit insurance certificate. The insurance covers you in case of death, total and irreversible loss of autonomy, total incapacity to work due to illness or accident (n°0081 FACL), and loss of employment due to compensated layoff.

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WHO IS KOLATZKI INVEST?

  • Kolatzki Invest is an intermediary in participatory finance (IFP). IFPs are new players in the field of financial services that will emerge in 2014. We are not a bank, we offer loans that are financed by private investors.

 

​HOW MUCH CAN WE BORROW AND FOR HOW LONG?

  • We offer loans for amounts between EUR 2,500 and EUR 5,000,0000; the repayment period varies between 1 and 40 years.

 

WHO CAN BORROW? 

  • Kolatzki Invest is open to all individuals over the age of majority. A rigorous study of each file is carried out before accepting files on the platform.

 

WHY AM I BEING ASKED FOR MY I.D.?

  • For regulatory reasons, Kolatzki Invest is required to verify the identity of its customers - this is called KYC (Know Your Customer).

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WHY AM I BEING ASKED FOR MY IBAN?

  • The IBAN is the identification number of your bank account. We need it to transfer funds directly to your bank account if your loan application is accepted.

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* Example of personal loan for a total amount of € 10,000 repayable in 12 monthly installments of € 836.04 (excluding optional insurance). Fixed annual effective annual rate (APR) of 0.6% (excluding optional insurance). Fixed borrowing rate of 0.6%. No Service Fees. Total cost of the loan: € 32.48. Total amount owed by the borrower: € 10,032.48. The monthly cost of the Junior Death - Total and irreversible loss of autonomy - Work Interruption following an Accident or Sickness - Job Loss insurance is € 23.5, i.e. an Effective Annual Insurance Rate (TAEA) of 5.30% and a total amount due of € 281.52, and is added to the monthly repayment of the loan. First due date between 30 and 60 days from the availability of funds, the monthly payments being taken on the 4th of each month. Offer valid for any request made between 05/02/2019 at 7:30 a.m. and 05/31/2019 at 11:59 p.m.


A credit commits you and must be repaid. Check your repayment capacity before you commit.

Kolatzki Invest is approved as a credit institution - Investment Services Provider by the Prudential Control and Resolution Authority (ACPR, approval number: 16488).

The funding is granted subject to final acceptance by Kolatzki Invest after the study of your file. You have a right of withdrawal of 14 completed calendar days from the signing of the loan contract offer. If your file is finally accepted, Kolatzki Invest keeps a certain number of your supporting documents for the duration of your contract.

You can exercise your right of access, rectification, erasure, portability to personal data concerning you, or oppose their use for prospecting purposes or limit the processing by contacting customer service by clicking here.

Upon receipt of your complete file, Kolatzki Invest can reply to you within 24 hours by SMS in the event of acceptance, and by email in the event of refusal.

Study carried out on 04-03-2019 on the basis of a rate statement made by Sémaphore Conseil, on amounts from € 1,000 to € 3,000, on maturities 6-84 months. Comparison made on the APRs proposed by Kolatzki Invest for the "Cash" project, Cetelem for the "Life events" project, Sofinco for the "personal loan" project, Cofidis for the "Need Money" project, La Banque Postale for the "Project" project, Banque Casino for the "Credit Conso" project, Oney for the "Other projects without proof, non-client" project, Carrefour Banque for the "Other Projects" project

The borrower rates (APR) are fixed and vary from 0.90% to 17.79% and the duration of the loan is between 6 to 84 months

 

Kolatzki Invest : SA with a Management Board and Supervisory Board with a capital of 10,151,773rd - Headquarters: Boulevard des Moulins, 98000 Monaco