1. About This Loan
A health insurance-based loan lets you use the health insurance provided by your employer as the basis for an unsecured loan. If you don't have health insurance, you may still be able to borrow using a salary-based loan instead.
2. Key Benefits
– Simpler paperwork
– No employment contract required — your employer's health insurance card can be used instead
– Fast decision within 24–48 hours
– You can apply again after repaying a previous loan
– Higher approval rate thanks to verified health insurance coverage
– Flexible terms from 6 to 36 months
– 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. Eligibility
– Applicants must be aged 18–65
– Currently employed with an active employer-provided health insurance card
– No more than 3 existing loans with other lenders, and no record of bad debt
4. Documents You'll Need
– A valid national ID or passport (copy)
– Proof of address (copy)
– Health insurance card (copy)
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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