FAQ
Frequently asked questions.
Questions – Answers
All questions and answers
How do I get my funds as soon as possible?
To obtain your credit as soon as possible, you must correctly provide all the supporting documents necessary for the final acceptance of your credit application. You also need to respond quickly to our team’s emails.
What happens if my credit application is pre-accepted?
As soon as your application is pre-accepted, you must send to our team of expert analysts all requested supporting documents, as well as any additional information that will be requested.
I’ve been filling out the form for over 48 hours. When will I get an answer?
Normally, an email was sent to you. We invite you to check your e-mail box, including the “Unwanted Mail” folder. If you haven’t received anything, you can contact us by clicking here.
How long do I have to wait to receive my credit?
Within 24 to 72 business hours after the final acceptance of the credit, and the signing of the loan agreement, you will be able to dispose of the funds. Subject to acceptance of your file and at the end of the legal withdrawal period.
What are the conditions for borrowing from BERDINVEST?
At BERDINVEST, we ensure that every borrower has a healthy financial position before granting a credit.We must be as demanding as banks and “traditional” credit institutions on the creditworthiness of borrowers.To borrow from BERDINVEST, the borrower and potential co-borrower or potential guarantor must meet the following conditions:
– be between the ages of 18 and 85;
– not to be registered on any of the incident files held by the Bank of France (FICP or FCC);
– justify stable incomes.
How much can you borrow from BERDINVEST and for how long?
For the following projects: consumer credit, car/motorcycle credit, work credit, you can borrow between 2,500 and 75,000 € over a repayment period of between 12 and 96 months (8 years).
For credit buybacks, you can borrow from 5,000 €, over a repayment period of between 12 and 360 months (30 years).
For home loans, you can borrow between 50,000 and 800,000 € over a repayment period of between 60 and 360 months (30 years).
For professional loans, you can borrow between 2,500 and 2,000,000 € over a repayment period of between 60 and 360 months (30 years).
In which country do I need to reside to get credit from BERDINVEST?
Thanks to its partnerships, BERDINVEST is able to provide credit in almost every country in the world. Whether you are in Africa, America, Asia, Europe and Oceania, you can apply for credit from BERDINVEST. In case we are not yet working in your country, we will inform you of the reason for refusing your credit and we will send you an email as soon as we start working in your country.
What if my country’s currency is not the euro?
If your local currency is not the euro, please click here to use our currency converter, to find out the euro value of the amount you want to borrow and other amounts that you may want to know the value of in another currency.
What supporting documents should I provide for the validation of my application?
At BERDINVEST, we are simplifying this step in the process to make credit more accessible. So we don’t ask for your original documents. We do not ask for quotes or invoices for work, car purchase or other equipment. BERDINVEST asks you for the supporting documents required by law or in accordance with the practices of the banking institutions. The precise list of supporting documents we ask of you is displayed in the feasibility response you receive via email as a pre-acceptance of your application. All of these documents are studied in a secure and confidential manner, in accordance with bank secrecy and the rules required of BERDINVEST under its approved credit institution accreditation.
Why was my application denied?
At BERDINVEST, there are three reasons why you can refuse:
Eligibility: Some profiles are refused because of their situation. This is the case, for example, for people under the age of 18 or over 80.
Debt: Too much debt will lead to the refusal to grant the loan to avoid a difficult situation for the borrower on a daily basis.
Stability: Our experts study the information you send us to ‘predict’ the stability of your situation over the months in which you will have to repay. If you are in CDD over 6 months and you want to take out a credit over 18 months. Even if your financial situation is good, we have no guarantee of it once your CDD is finished.
How do you compare BERDINVEST levels with those of others?
Thanks to our online credit simulator, we show you our rates for free and with just a few clicks.
To compare BERDINVEST’s very attractive rate with that of competitors, use the total cost of credit or TAEG to compare different offers over equivalent durations and amounts.
At BERDINVEST, we offer you a solution tailored to your situation based on the information you enter in the online form.
How is my monthly payment calculated?
The amount of the monthly payment depends on the amount of the credit, its duration and its TAEG. All BERDINVEST credits are fixed and constant monthly payments. Thus, the borrower pays the same monthly payment.
The amount of the monthly payment is calculated in accordance with Article R.313-1 and Article Appendix to Article R313-1 of the Consumer Code.
What are the possible costs associated with my credit?
Applying for a loan costs absolutely nothing until the borrower has signed the credit agreement.
Can I decide to retract?
Yes, when you take out a BERDINVEST credit, you have a withdrawal period of 14 days from the date ficonord signed the credit agreement that BERDINVEST sent you for signature.
To retract your credit contract after your credit contract has been returned, please contact the consultant in charge of your file at BERDINVEST and inform them of your decision so that they can give you the procedure to follow.
Why choose a BERDINVEST credit?
BERDINVEST offers you the most competitive rates on the market, depreciable loans, fixed-rate and constant monthly payments, with no hidden fees.
With BERDINVEST, you benefit from a rapid availability of funds and unparalleled transparency. The borrower is informed in real time of each step of the processing of his file by email. The explanations on his credit and the progress of the processing of his file are provided to him in simple and understandable terms by our advisors.
How does BERDINVEST offer such low rates?
BERDINVEST strives to offer the lowest possible rates. Our model is different from that of traditional financial institutions: we collect savings from third-party investors that we pay through interest payments.
We are a young and modern company and use the internet and phone to allow you to take out credits quickly. Unlike banks with high structural costs (large head offices to maintain, banking agencies to be maintained), we avoid unnecessary expenses and encourage the consolidation of teams. As a result, our costs are significantly lower than our competitors.
Can’t find the answer to your question?
The answer to your question may not be on this page. If this is the case, please contact BERDINVEST directly by clicking here. You will receive an email response as soon as possible.
Ready to make your project a reality?
Committed to your service for several years, BERDINVEST has carried out projects with a total value of more than 28,956,000 €. Your project should be next.