Consumer credit
Fund everyday purchases and personal projects.
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Revolving credit — activatable reserve
For the unexpected,
For the unexpected,
without rearranging everything.
From €500 to €6,000, drawable and replenishable. Variable APR from 6.50%, interest payable only on the drawn portion.
6.50 %
Min. APR
€0
Membership fees
14 d
Legal cooling-off
Reserve 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.
Interest on drawn portion only
No interest on the undrawn part. You only pay for what you use.
No membership fees
No set-up fees. No compulsory annual fee.
Immediate activation
Reserve drawable and replenishable within 48 hours of acceptance.
Free repayment
Full or partial repayment at any time, with no penalty.
Detailed terms
A flexible reserve,
A flexible reserve,
a controlled cost.
- Minimum amount€500
- Maximum amount€6,000
- Minimum term12 months
- Maximum term60 months
- Proof of purposeNot required
- Origination fees€0
- Borrower insuranceOptional
- Disbursement of fundsAvailable within 48 hours
- Early repaymentFree, no penalty
- GuaranteeUnsecured
Indicative APR scale
Revisable rate. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €500 — €1,000 | 12 months | 10.90% |
| €1,000 — €2,000 | 24 months | 8.90% |
| €2,000 — €3,000 | 36 months | 7.50% |
| €3,000 — €4,500 | 36 months | 6.90% |
| €4,500 — €6,000 | 48 months | 6.50% |
| €4,500 — €6,000 | 60 months | 6.80% |
Representative example: for a drawdown of €3,000 from your reserve over 36 months at a revisable APR of 6.90%, you repay 36 monthly payments of €92.52. Total cost of credit: €330.72.
Why choose Calp for your revolving credit
Four commitments on an often-criticized product
Revolving credit has a bad reputation: high rates, compulsive use, over-indebtedness. Calp offers a sanitized, capped version, supervised by an advisor and usable only on explicit drawdown. No automatic payment, no linked card.
Capped, transparent APR
The APR of Calp revolving credit is capped at 14.9%, well below the legal usury rate (around 21%). It is fixed for each drawdown and frozen for the entire repayment of that drawdown: no variable rate, no revision.
Explicit drawdown only
No automatic drawdown, no linked credit card. Each use of funds must be explicitly requested from your client area, validated by an advisor. This limits impulsive use and allows prior reflection.
Repayment by identified slices
Each drawdown generates a mini amortization schedule with a fixed term and monthly payment, like a classical loan. The sum of payments for each drawdown forms your global monthly debit, readable and predictable.
Usage advice and alerts
Calp sends monthly alerts on use and cumulative cost. Beyond 70% of the reserve consumed, an advisor contacts you to assess the situation and propose, if relevant, a consolidation at lower rate into a personal loan.
Eligibility criteria
Who can apply for a Calp revolving credit?
Calp revolving credit is open to adults residing in Europe with regular income and a controlled financial situation. It is a complementary credit, not a primary credit: it does not replace a personal loan for identified projects.
- Age at subscription18 to 75
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,400 / month
- Employment statusPermanent, civil servant, retired
- Max debt-to-income ratio30% after reserve opening
- Banking historyNo incident in last 12 months
Documents to submit with your application
Upload from your application area. Decision within 2 business hours, reserve opening within 8 days after legal withdrawal period.
-
Valid government-issued ID
ID card (both sides) or passport. Non-EU nationals: residence permit valid for at least 12 months. Readability and validity automatically checked. -
Proof of address less than 3 months old
Energy, telephony bill, rent receipt, tax notice. For non-owner housing, completed hosting certificate and host's ID. -
Last three pay slips
Consecutive pay slips in official PDF format. Retirees: pension notice. Self-employed: revolving credit is not granted; a business loan is more suitable. -
Last three months of bank statements
Statements of the main account where income is paid. Used to verify regular income, absence of chronic overdraft and consistency with declared fixed expenses. -
IBAN for the debit account
IBAN of the account debited monthly for repaying drawdowns. Account in the borrower's name, opened in an EEA bank.
Typical use cases
What is the Calp revolving credit used for?
Calp revolving credit is designed as a precautionary reserve, not as a primary financing method. Below are the four most relevant uses observed in 2025.
Precautionary reserve for unforeseen
Car breakdown, water leak, urgent medical expense: the reserve is mobilized occasionally and repaid in 3 to 12 months. 42% of drawdowns. Average amount EUR 1,200, average term 6 months.
End-of-month cash flow
Gap between a payment and the salary deposit, exceptional expense (significant gift, school start), advance on expected reimbursement. 28% of drawdowns. Average amount EUR 600, term 3 months.
Short credit purchase at retailers
Appliance, furniture, leisure equipment during a promotion. Calp has no store partnership; you use the drawdown freely. 18% of drawdowns. Average amount EUR 2,200, term 12 months.
Travel or family event gift
Last-minute holidays, birthday gift, relative's wedding: planned use repaid in 6 to 18 months without touching precautionary savings. 12% of drawdowns. Average amount EUR 1,800.
Frequently asked questions
Your questions, our answers.
01
How does replenishment work?
Each repayment replenishes the available reserve. You can draw again without a new application.
02
Is the APR fixed or variable?
Variable in line with the legal usury rate. Cap strictly framed by the regulator. Written notice before any change.
03
What happens if I do not use the reserve?
No interest, no fees. The reserve remains drawable until the contract is terminated.
04
Can I cancel at any time?
Yes, free cancellation by post. Immediate settlement of the drawn portion, or amortisation per schedule.
05
Does Calp revolving credit include a payment card?
No. Unlike most traditional revolving credits, no credit card is associated with the Calp reserve. This avoids impulse purchases and forces every drawdown to be formalized from your client area, after a 24-hour reflection period on amounts above EUR 1,500.
06
What is the cost of an unused revolving credit?
None. Calp charges no opening fee, no annual fee, no reserve availability fee. If you make no drawdown, the revolving credit generates no expense. The reserve can be cancelled at any time, without notice and without fees.
07
How to avoid the revolving credit trap?
By using it as an occasional reserve, never as a recurring complementary income. Limit the total reserve to one month of net income. Repay every drawdown in less than 12 months. If the reserve is used more than 6 consecutive months, it is the sign that a lower-rate personal loan would be more suitable: Calp will spontaneously offer it.
A reserve activated,
only when you need it.
No interest on the undrawn portion, no compulsory card, no forced subscription.
