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Microloan — financial inclusion

For those that
mainstream credit excludes.

From €300 to €8,000, over 6 to 60 months. Fixed APR from 4.50%, social support included, no hidden fees.

4.50 %

Min. fixed APR

€0

Origination fees

14 d

Legal cooling-off

Microloan simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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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.

Framed fixed APR

Rate set in the offer. No play on ancillary fees. Total cost known in advance.

Social support

Dedicated advisor for the full term of the loan. Reorientation available at no cost.

Human review

Personalised review taking context into account. A credit incident is not an automatic exclusion.

Flexible repayment

Modulation and deferral of instalments available with no penalty, on justification.

Detailed terms

An appropriate amount,
real support.

Minimum amount€300
Maximum amount€8,000
Minimum term6 months
Maximum term60 months
Supporting documentDocumented project
Origination fees€0
Borrower insuranceOptional
Disbursement of fundsWithin 8 days after cooling-off period
Early repaymentNo penalty
GuaranteePartner social guarantee

Indicative fixed APR scale

Excluding optional insurance. Updated 12 May 2026.

Borrowed amount	Term	APR
€300 — €1,000	12 months	5.50%
€1,000 — €2,500	24 months	5.20%
€2,500 — €4,000	36 months	4.80%
€4,000 — €6,000	48 months	4.50%
€6,000 — €8,000	60 months	4.50%
€6,000 — €8,000	60 months	4.80%

Representative example: for a microloan of €3,000 over 36 months at a fixed APR of 4.80%, you repay 36 monthly payments of €89.73. Total cost of credit: €230.

Why choose Calp for your microcredit

Four reasons to trust our personal microcredit

Personal microcredit is an inclusion mechanism for people excluded from mainstream banking. Calp operates it with social support structures and applies adapted analysis criteria.

Accessible to atypical profiles

Jobseekers, minimum-income recipients, temporary workers, intermittent workers, early-stage micro-entrepreneurs, students without guarantors: we study every situation. The analysis is based on real repayment capacity and project stability, not solely on a payslip.

Small amount, real terms

From EUR 300 to EUR 8,000, over 6 to 60 months, at an APR capped at 4% (vs 10-21% for classical revolving credit). No administration fees, no forced insurance, monthly payment adjusted to actual repayment capacity.

Dedicated human support

Each microcredit is processed with the support of a social referent or a partner association. This free support helps build a sustainable budget, avoid over-indebtedness and recover in the long term.

Social or professional use valued

Calp microcredit funds high-impact projects: mobility for returning to work, professional equipment, qualifying training, housing security deposit, uncovered medical care. No microcredit for purely consumer use.

Eligibility criteria

Who can benefit from a Calp microcredit?

Personal microcredit is for adults refused mainstream credit due to modest income, precarious employment or fragile banking history. The main condition is to present a realistic project and repayment capacity, however modest.

Age at subscription18 to 75
ResidenceEU, EEA or Switzerland
Minimum income (all sources)EUR 650 / month
Employment statusAll statuses, including jobseekers
Debt-to-income ratioIndividual study, no strict cap
Banking historyCredit incidents accepted case by case

Documents to submit with your application

Simple upload from the application area. A referent assists you by phone if you need help compiling the file. Decision within 5 business days.

ID and proof of address
Valid ID, passport or residence permit. Proof of address less than 3 months old (bill, rent receipt, tax notice). Hosting certificates accepted with host's ID.
Proof of resources
Pay slips, jobseeker allowance, family allowance certificates, pension notice, micro-entrepreneur statement. All sources are considered, including social and family benefits.
Written project description
Simple letter, handwritten or typed, explaining what the microcredit will fund: vehicle for return to work, training, professional equipment, medical care. A quote or pro forma invoice supports the request.
Last three bank statements
Statements of the main account showing income and expenses. Used only to build a realistic budget with the referent and to calibrate an acceptable monthly payment.
IBAN and referent's contact details
IBAN of the account that will receive funds. Contact details of the referent (social worker, employment advisor, charity). Calp contacts the referent to finalize the assessment.

Typical use cases

What is the Calp microcredit used for?

Personal microcredit funds concrete projects contributing to social or professional integration. Below are the four most frequent uses observed in 2025.

Mobility for return to work

Purchase or repair of a second-hand vehicle, driving licence, long-term transport pass. First reason for applications: 38% of files. Average amount EUR 3,200, average term 36 months.

Training and qualification

Training fees not covered by personal training account, complement financing, educational equipment, professional certification. Average amount EUR 2,400, average term 30 months. 22% of files.

Essential household equipment

Replacement of essential appliances (washing machine, fridge, oven), IT equipment for remote work or child's studies. Average amount EUR 1,100, term 18 months. 24% of files.

Security deposit or installation fees

New housing deposit, first rent, removal, agency fees, opening subscriptions. Average amount EUR 1,800, term 24 months. 16% of files.

Frequently asked questions

Your questions, our answers.

Who can benefit from a microloan?

People excluded from mainstream credit: low income, intermittent work, credit incidents, minimum-income recipients. Individual review.

Is social-worker support required?

Yes, support from a referent within our partner network of charities and local social services. A joint approach.

What uses are permitted?

A documented project: mobility (licence, vehicle for employment), training, essential equipment, micro-business. No open-ended consumer use.

What happens in case of difficulty?

Reorientation, modulation, deferred instalments at no cost. A default does not automatically trigger a credit registry listing.

Can microcredit be refused even with social support?

Yes, if the project is unrealistic or if repayment capacity cannot cover the minimum monthly payment without worsening the situation. The referent's role is precisely to avoid committing a person to a loan they cannot honour. In case of refusal, alternatives are offered: direct grants, sponsorship, solidarity funds.

What is the maximum duration for microcredit?

The legal maximum duration for personal microcredit is 60 months. Calp calibrates the term so that the monthly payment does not exceed 6 to 10% of net monthly income, which usually means 24 to 48 months depending on the amount. A shorter term reduces total interest cost.

Is microcredit reported to credit agencies?

Yes, like any credit, microcredit is recorded in the consumer credit registry. This registration, combined with regular repayment, helps rebuild a positive banking history and facilitates access to mainstream credit in subsequent years.

Another path,
towards financial confidence.

No automatic refusal, no hidden fees, no forced product.

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For those that mainstream credit excludes.