Home Loans Personal loan

Personal loan — no proof of purpose

For everything you
shouldn’t have to explain.

From €1,500 to €75,000, over 12 to 84 months. Fixed APR from 3.90%, with no origination fees. One monthly payment, known from day one and unchanged until the end.

3.90 %

Min. fixed APR

€0

Origination fees

14 d

Legal cooling-off

Express simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

Fixed 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 borrow with Calp

Four simple principles, contractually upheld.

Fixed, transparent APR

The APR set in the offer cannot change. No revision clause. No mixing of nominal and effective rates.

No origination fees

No fees to file your application, even if refused. No advance fees, ever.

Decision within 2 hours

Preliminary decision guaranteed within 2 business hours, Monday to Friday, 8am to 6pm.

Early repayment

Up to €10,000 repaid per year with no penalty whatsoever. Above that, indemnity capped by law.

Detailed terms

What’s included,
what isn’t.

Minimum amount€1,500
Maximum amount€75,000
Minimum term12 months
Maximum term84 months
Proof of purposeNot required
Origination fees€0
Credit insuranceOptional (recommended from 36 months)
Funds releaseWithin 8 days after cooling-off period
Early repaymentNo penalty up to €10,000 / year
GuaranteeCalp surety (no mortgage)

Indicative fixed APR scale

Excluding optional insurance. Updated 12 May 2026.

Borrowed amount	Term	APR
€3,000 — €5,000	24 months	4.90%
€5,000 — €15,000	36 months	4.20%
€15,000 — €30,000	48 months	3.90%
€30,000 — €50,000	60 months	3.90%
€50,000 — €75,000	72 months	4.10%
€50,000 — €75,000	84 months	4.40%

Representative example: for a €15,000 loan over 48 months at a fixed APR of 4.20% (fixed debit rate 3.79%), you repay 48 monthly payments of €338.53. Total cost of credit: €1,248.44. Excluding optional insurance.

Why choose Calp

Four reasons to finance your project with us

A personal loan is a commitment that spans several years: at Calp, we believe clarity and stability matter more than marketing promises. Here is what our customers find with us and what they would not find elsewhere.

A clear offer, with no asterisks

The advertised APR matches the contractual rate exactly: fixed debit rate, origination fees (zero), optional insurance cost presented separately. No cost appears after signing that was not shown on the simulation screen.

A real adviser, reachable

Every application is reviewed by an identified credit analyst, reachable by phone Monday to Friday from 8am to 8pm. No outsourced call centre, no fully automated scoring: a human approves every decision.

Your data stays in Europe

Your supporting documents are stored on servers hosted in the European Union, AES-256 encryption, logged access. No data is ever sold to a third party or used for advertising purposes.

One monthly payment, from start to finish

The amortization schedule is provided with the offer. No rate revision, no premium reminder, no hidden indemnity. If you repay early up to €10,000 per year, it is free.

Eligibility requirements

Who can take out a Calp personal loan?

The personal loan is open to any adult residing in a European Union country with demonstrable regular income. We review each application individually, with no automation: the stability of your financial situation matters as much as gross income.

Age at application18 to 75 years at maturity
ResidenceEU, EEA or Switzerland
Minimum net monthly income€1,200 / month
Employment statusPermanent contract, fixed-term > 6 months, self-employed, retired
Maximum debt-to-income ratio35% after the operation
Banking historyNo recurring payment incidents

Documents to provide for your application

All documents can be uploaded in PDF, JPG or PNG format from the application area. Standard processing time: 2 business hours once the file is complete.

Valid proof of identity
National identity card (both sides) or passport. For non-EU nationals, a valid residence permit is also required.
Proof of address less than 3 months old
Energy, landline or internet bill, rent receipt issued by a professional landlord, or current-year tax notice.
Proof of income
Last three payslips for employees, last two financial statements for the self-employed, latest pension statement for retirees. Rental income is taken into account upon presentation of the latest tax notice.
Bank statements for the last three months
Statements for the main domiciliation account, in the bank's official PDF format. They are used solely to verify income stability and repayment capacity.
Bank details of the receiving account
Bank details of the account to which the funds will be transferred and from which the monthly payments will be debited. The account must be in the borrower's name and opened with a bank in the European Economic Area.

Typical use cases

What is the Calp personal loan used for?

The unsecured personal loan gives the borrower complete freedom over the use of the funds. Here are the four most frequent purposes observed on our applications in 2025.

Home improvement and equipment

Kitchen or bathroom renovation, appliance purchase, furniture, self-financed solar panels: average amount €18,400, average term 60 months. Accounts for 38% of applications.

Used vehicle purchase

Private or non-dealer car sales, two-wheelers, used electric vehicles not eligible for leasing: average amount €14,200, average term 48 months. Accounts for 24% of applications.

Family event

Wedding, civil partnership, birth, financing a child's studies, supporting a loved one losing independence: average amount €9,800, average term 36 months. Accounts for 18% of applications.

Personal cash flow

Long-term travel, one-off consolidation of small consumer loans, artistic or community project: average amount €7,500, average term 36 months. Accounts for 20% of applications.

Common questions

We probably already have the answer.

What documents do I need to provide?

Photo ID, proof of address less than 3 months old, your last two payslips or tax returns for self-employed applicants, and a bank statement. No proof of loan purpose is required.

How long does it take to receive the funds?

After electronic signature of the offer, a legal cooling-off period of 14 days applies. Funds are transferred within 8 days starting from day 8.

Is my application valid if I’m on a credit blacklist?

A blacklist entry is one factor in our analysis. Depending on your situation, we may offer a microloan, a consolidation, or refer you to a solidarity scheme.

Can I adjust my monthly payments during the loan?

Yes, twice a year, up to 30% upward or downward. Submit the request from your customer area, free of charge.

What is the difference between a personal loan and a purpose-tied loan?

A personal loan is unsecured: you use the funds freely, with no proof of purchase. A purpose-tied loan finances an identified item (car, home improvement) with an obligation to present the invoice. The personal loan offers more flexibility, but a purpose-tied loan can benefit from a slightly lower rate and a cancellation clause if the sale of the item falls through.

What maximum debt-to-income ratio is accepted?

Calp applies a cap of 35% debt-to-income ratio after the operation, including all recurring charges: existing loans, rent, alimony paid. This threshold aligns with European responsible lending recommendations. Beyond it, we offer a personalized review or a loan consolidation.

Is credit insurance mandatory?

No, credit insurance is optional for a Calp personal loan. We strongly recommend it from a 36-month term or if the borrower is the household's sole provider. Three levels of cover are offered (Death, Death-Total Permanent Disability, Death-TPD-Temporary Total Incapacity) at rates shown during simulation, with the option to delegate to an external insurer.

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for a real answer.

No trick questions, no forced closing of an existing loan, no obligation to subscribe to anything else.

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For everything you shouldn’t have to explain.