Frequently Asked Questions
We answer your questions
Quickly find clear answers about how our loans, rates, and administrative steps work.
The process is simple: you use our simulator on the homepage to choose the loan type, amount and desired duration. Then, you click "Apply for this Loan", which invites you to log in or create an account. You then fill out our secure online form in a few minutes. Once submitted, the administrator reviews your file and you receive a decision in principle within 24 hours.
To finalize your application after a favorable decision in principle from the administrator, you must provide:
- A valid ID (identity card, passport or residence permit).
- Proof of address less than 3 months old (electricity, water, telephone bill, etc.).
- Your last 3 pay slips or proofs of professional income.
- Your latest tax notice.
- A bank identity statement (RIB) for the payout and monthly direct debits.
Once your application is definitively approved by our administration team and after signing your credit contract, funds are generally transferred to your bank account within **24 to 48 business hours**. (Note that a legal cooling-off period applies under current laws).
**Yes, absolutely.** You can prepay all or part of your Pretisys loan at any time, in accordance with regulations. For any prepayment amount under $10,000, no prepayment penalty is applied. For higher amounts, please refer to the General Terms of Sale or contact an advisor.
Yes. From your client space, or by contacting our support service at **contact.finance@pretisys.com**, you can request to postpone the monthly debit date to match your income payment. This request must be made at least 10 business days before the theoretical debit date.
In case of unexpected events, we advise you to alert our advisors immediately. Pretisys supports responsible credit: we can examine together the temporary suspension of your monthly payment (up to twice a year) or extending the duration of your loan to reduce your monthly expenses. Proactive communication avoids unnecessary late penalty fees.
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