FREQUENTLY ASKED QUESTIONS
Several questions are regularly asked of us, we have grouped them here to help you better. Feel free to contact us if you have any further questions.

WHAT ARE THE ELIGIBILITY REQUIREMENTS?

  • Be 18 years of age or older

  • Be a European resident

  • Being of good character even if it means honouring a commitment.

  • Have a minimum monthly income source of €1,000.

WHAT DOCUMENTS DO YOU NEED TO PROVIDE?

  • Scanned double-sided identity documents.

  • Copy of a bank statement.

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

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

WHAT INTEREST RATES ARE AVAILABLE?

  • The annual and fixed interest rate varies from 2% to 3%.

DURATION OF THE LOAN.

  • The term of your loan cannot exceed 40 years.

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 his loan.

HOW LONG WILL IT TAKE ME TO KNOW IF I HAVE BEEN ACCEPTED?

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

WHAT ARE THE REASONS WHY MY APPLICATION MAY BE REFUSED?

  • Be in bankruptcy or consumer proposal

  • Have too high a short-term debt burden

  • Provide incomplete, erroneous or fraudulent documents

HOW LONG 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 filing can take from 24 hours to 48 business hours.

IS THE PROCESS SECURE AND CONFIDENTIAL?

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

CAN I MAKE A PREPAYMENT?

  • Of course, it is possible to pay off your loan at any time. Simply contact us to obtain your balance and proceed with the early refund.

HOW CAN I MAKE A REQUEST?

  • 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 right information. Incorrect or incomplete information automatically prevents 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 THE EVENT 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 the event of death, total and irreversible loss of autonomy, total inability to work due to illness or accident (n°0081 FACL), and loss of employment due to compensated dismissal.

 

WHO IS K-INVEST?

  • K-Invest is an intermediary in participatory financing (IFP). PFIs are new players in the financial services sector that emerged in 2014. We are not a bank, we offer loans that are financed by private investors.

HOW MUCH CAN BE BORROWED AND FOR HOW LONG?

  • We offer loans for amounts between 2,500 and 50,000,000,000 EUR0; the repayment period varies between 1 and 40 years.

WHO CAN BORROW? 

  • K-Invest is open to all major individuals. A rigorous study of each file is carried out before accepting the files on the platform.

WHY AM I BEING ASKED FOR MY ID CARD?

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

WHY DO THEY ASK ME MY IBAN?

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

© Copyright K-INVEST. All rights reserved

This service is offered by "K-INVEST". The personal information collected is mainly intended for our partners. Unless you object, they may be prospected by "K-INVEST" or transferred to third parties. K-INVEST is registered in the Register of Insurance Intermediaries (ORIAS) under registration number 41808520 as an independent non-exclusive banking agent and payment services. "K-INVEST" is insured for professional civil liability with the company CHARTIS by contract n ° RD10487277B as a bank agent and independent non-exclusive payment services.