Personal loan
A flexible loan with no proof-of-use required, to finance your life projects.
View this offer
Consumer loan — for everyday projects
To equip,
To equip,
upgrade, finance.
From €1,500 to €75,000, over 12 to 84 months. Fixed APR from 4.20%, with no origination fees and no proof of use required.
4.20 %
Min. fixed APR
€0
Origination fees
14 d
Legal cooling-off
Consumer loan simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
Apply now
Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Transparent fixed APR
Rate set in the offer, unchanged through to the final instalment.
No origination fees
No application fees. No upfront fees.
Decision within 2 hours
Preliminary decision within 2 business hours between 8am and 6pm.
Early repayment
Up to €10,000 repaid per year with no penalty.
Detailed terms
A concrete project,
A concrete project,
a clear loan.
- Minimum amount€1,500
- Maximum amount€75,000
- Minimum term12 months
- Maximum term84 months
- Proof of purposeNot required
- Origination fees€0
- Borrower insuranceOptional
- Disbursement of fundsWithin 8 days after cooling-off period
- Early repaymentNo penalty up to €10,000 / year
- GuaranteeCalp surety
Indicative fixed APR scale
Excluding optional insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €1,500 — €3,000 | 12 months | 5.20% |
| €3,000 — €10,000 | 36 months | 4.60% |
| €10,000 — €25,000 | 48 months | 4.20% |
| €25,000 — €50,000 | 60 months | 4.20% |
| €50,000 — €75,000 | 72 months | 4.40% |
| €50,000 — €75,000 | 84 months | 4.60% |
Representative example: for a consumer loan of €10,000 over 48 months at a fixed APR of 4.20%, you repay 48 monthly payments of €226.68. Total cost of credit: €880.
Why choose Calp for your consumer loan
Four commitments for a transparent consumer credit
Consumer credit is one of the most used and most abused financial products. Calp applies a responsible lending policy: no minimum monthly charge, no tied insurance, no forced add-ons.
Fixed APR, calculated only once
The APR shown in the simulation is the one in the offer, then in the signed contract. No teaser rate valid for the first six months, no mid-term revision. The monthly payment stays the same from start to finish.
Zero administration fees
No origination fee, even if the application is refused. No upfront cost, no brokerage commission. The only costs associated with the loan are contractual interest and optional insurance if you subscribe.
Decision within 2 hours
Preliminary answer guaranteed within 2 business hours Monday to Friday between 8 a.m. and 6 p.m. No fully automated scoring: a named credit analyst reviews every file before issuing the preliminary offer.
Modulation and early repayment
Monthly payment adjustable twice a year up to 30% up or down. Early repayment penalty-free up to EUR 10,000 per year, indemnity capped at 1% beyond that, in line with applicable consumer credit law.
Eligibility criteria
Who can apply for a Calp consumer loan?
Consumer credit is open to anyone of legal age residing in Europe with regular income. Each application is studied individually based on disposable income, professional stability and repayment capacity.
- Age at subscription18 to 75 at last due date
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,100 / month
- Employment statusPermanent, fixed-term, self-employed, retired
- Maximum debt-to-income ratio35% after operation
- Banking historyNo serious unresolved incident
Documents to submit with your application
Full upload from your application area. Standard processing time: 2 business hours once the file is complete.
-
Valid government-issued ID
National ID card or passport, legible on both sides. Non-EU nationals must provide a residence permit valid for at least 12 months. -
Proof of address less than 3 months old
Energy, landline or internet bill, rent receipt from a professional landlord, or current tax notice. -
Last three pay slips
Consecutive pay slips in the official PDF format. Self-employed: last two certified balance sheets. Retirees: latest pension notice for each scheme. -
Bank statements for the last three months
Statements of the main account where income is paid, in the official PDF format. Used solely to verify income stability and recurring expenses. -
IBAN for the disbursement account
IBAN of the account that will receive funds and be debited each month. Account in the borrower's name, opened in a bank within the European Economic Area.
Typical use cases
What is the Calp consumer loan used for?
Calp consumer loans are unrestricted: you use the funds freely, without proof of purchase. Below are the four most frequent uses from our 2025 applications.
Home equipment and furniture
Appliances, furniture, mattresses, light renovation, IT equipment. Average amount EUR 6,800, average term 36 months. 34% of files.
Travel or leisure
Long-haul trip, family holidays, wedding, sports or music equipment. Average amount EUR 4,200, average term 24 months. 26% of files.
Unexpected expense and personal cash flow
Medical fees not reimbursed, relocation, security deposit, legal fees, financial support to a relative. Average amount EUR 3,800, average term 24 months. 23% of files.
Small personal-professional projects
Continuing education, freelance equipment, micro-business launch, equipment for a side activity. Average amount EUR 7,500, average term 36 months. 17% of files.
Frequently asked questions
Your questions, our answers.
01
What is a consumer loan?
An unrestricted loan that finances any everyday goods or services: furniture, appliances, equipment, with no proof of use required.
02
What is the difference with a personal loan?
No legal difference. Consumer credit is the umbrella category governed by consumer credit law.
03
Do I need to transfer my bank account?
No. No account transfer is required. Direct debits can be made from any SEPA account.
04
Can I adjust the monthly payments?
Yes, twice a year, +/- 30% within the legal maximum term. Free of charge.
05
What is the difference between consumer credit and personal loan?
Consumer credit is a generic term covering unrestricted personal loans, restricted loans (car, home improvement), revolving credit and leasing with purchase option. The Calp personal loan is the simplest form: fixed amount, fixed monthly payment, fixed term, no proof of use required.
06
What is the maximum amount for a consumer loan?
The legal cap for consumer credit is EUR 75,000 across Europe, over 3 to 84 months. Beyond that it becomes a restricted mortgage loan or a patrimonial loan subject to different rules. Calp grants consumer loans from EUR 1,500 to EUR 75,000.
07
Does a consumer loan impact my credit scoring?
Any credit subscription is recorded in the consumer credit registry and impacts your declared debt-to-income ratio with other lenders. It does not damage your profile if repaid without incident. On the contrary, a consumer loan repaid in full contributes positively to your credit history.
A clear loan,
real projects.
No proof of use, no forced account transfer, no pricing surprises.
