{"id":6821,"date":"2026-04-13T00:59:25","date_gmt":"2026-04-12T23:59:25","guid":{"rendered":"https:\/\/www.credafin.be\/personal-loan\/how-does-a-personal-loan-work"},"modified":"2026-04-16T00:23:11","modified_gmt":"2026-04-15T23:23:11","slug":"how-does-a-personal-loan-work","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/personal-loan\/how-does-a-personal-loan-work","title":{"rendered":"How Does a Personal Loan Work?"},"content":{"rendered":" \n

Le pr\u00eat personnel comment \u00e7a marche et qui peut y pr\u00e9tendre ?<\/h2> \n \n

Il est possible de faire une demande de pr\u00eat<\/a> personnel en ligne sur le site de l’organisme de cr\u00e9dit, par t\u00e9l\u00e9phone ou directement en agence. Si l’organisme fournit une r\u00e9ponse de principe positive, l’emprunteur re\u00e7oit re\u00e7oit un contrat de cr\u00e9dit qu’il devra signer accompagn\u00e9 du courtier.<\/p> \n\r\n

<\/p>\r\n \n

Simulez votre pr\u00eat personnel<\/a><\/p> \n \n

Le dossier sera ensuite retourn\u00e9 avec tous les justificatifs demand\u00e9s, dont une copie de la carte d’identit\u00e9, un relev\u00e9 d’identit\u00e9 bancaire, un justificatif de revenu, etc. A compter de la signature du contrat de cr\u00e9dit, l’emprunteur dispose d’un d\u00e9lai de r\u00e9tractation de deux semaines.<\/p> \n \n

Attention, avant de faire une demande de pr\u00eat personnel<\/a>, il faut \u00eatre certain de pouvoir le rembourser.<\/h3> \n \n

En effet, emprunter de l’argent co\u00fbte de l’argent. Cela entraine des mensualit\u00e9s avec un taux d’int\u00e9r\u00eat qu’il est imp\u00e9ratif de pouvoir assurer, sous peine d’avoir des probl\u00e8mes.<\/p> \n \n

Avant toute demande, il faut donc v\u00e9rifier votre capacit\u00e9 de remboursement en fonction de vos revenus et des cr\u00e9dits \u00e9ventuels d\u00e9j\u00e0 en cours.<\/p> \n \n

\"Le<\/figure> \n \n

Toute personne peut faire une demande de cr\u00e9dit. C’est la banque ou l‘organisme pr\u00eateur<\/a> qui d\u00e9cide si oui ou non le pr\u00eat est accord\u00e9. L’acceptation du cr\u00e9dit repose essentiellement sur les revenus de l’emprunteur et donc sa capacit\u00e9 de remboursement.<\/p> \n \n

Montant et taux du pr\u00eat personnel<\/a><\/h2> \n \n

Le montant d’un pr\u00eat personnel peut aller de 5.000 \u00e0 100.000 euros. Le montant emprunt\u00e9 par le consommateur est d\u00e9fini par l’organisme pr\u00eateur en fonction des besoins de l’emprunteur et de ses capacit\u00e9s de remboursement.<\/p> \n \n

Le pr\u00eat personnel est \u00e9galement soumis \u00e0 des contraintes relatives \u00e0 la dur\u00e9e de remboursement, g\u00e9n\u00e9ralement comprise comprise entre 12 et 120 mois.<\/p> \n \n

Pour ce qui est du taux d’int\u00e9r\u00eat, il faut savoir qu’il n’est pas r\u00e9visable et qu’il d\u00e9pend de la dur\u00e9e et du montant du pr\u00eat. Plus la dur\u00e9e de remboursement du pr\u00eat personnel est longue, plus le taux d’int\u00e9r\u00eat est \u00e9lev\u00e9.<\/p> \n \n

A contrario, si l’emprunteur choisit de payer des mensualit\u00e9s plus importantes et donc sur une p\u00e9riode plus courte, alors son cr\u00e9dit lui sera moins co\u00fbteux.<\/p> \n \n

A savoir que le taux d’int\u00e9r\u00eat va \u00e9galement diminuer en fonction du montant total du pr\u00eat. Un pr\u00eat personnel de moins de 10.000 euros est souvent propos\u00e9 \u00e0 un taux plus \u00e9lev\u00e9 qu’un pr\u00eat plus important.<\/p> \n \n

Simulez votre pr\u00eat personnel<\/a><\/p> \n","protected":false},"excerpt":{"rendered":"

Unlock your dreams with a personal loan\u2014find out how it works and apply now!<\/p>\n","protected":false},"author":22,"featured_media":4926,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"personal loan","_yoast_wpseo_title":"How Does a Personal Loan Work? | Credafin","_yoast_wpseo_metadesc":"Learn how a personal loan works, its rates, and eligibility. 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