For customers who can't provide a formal proof of income — sole traders, small retailers, and anyone whose income mainly moves through bank transfers — Mcredit offers an unsecured loan assessed using your bank account activity instead.
This is also a good option if you're currently employed but would rather not have your employer involved in your loan application. All you need is at least 6 months of transaction history with any bank.
1. Eligibility
– Applicants must be aged 20–65
– Hold an active bank account (with a debit card) at any bank
– At least 1 year of account history, with regular activity in the last 6 months
2. Key Benefits
- Borrow up to €7,000
- No collateral required
- Repay monthly, in instalments
- Flexible terms from 6 to 36 months
- Decision within 24 hours
- Rates from 6.9% to 22% APR, depending on your circumstances
- Maximum rate of 25% APR
- Example: borrow €2,000 over 12 months, repay between €195 and €205 per month
3. Documents You'll Need
- A valid national ID or passport (copy)
- Proof of address (copy)
- A current address confirmation, if different from your registered address
- Bank account statements covering the last 6 months
Note: all documents can be submitted as copies, with originals available for verification if requested.
Get in touch to discuss your borrowing needs and let Mcredit help you find the right financing solution.
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Hotline: +31 20 123 4567
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