F.A.Q

Financaia is a financing broker specialising in supporting individuals, students, professionals and businesses in finding credit solutions tailored to their needs. Our mission is to simplify access to financing by providing our expertise, our network of financial partners and high-performance digital tools. We analyse each situation individually to guide our clients towards the solutions best suited to their objectives, saving them time, optimising their steps and securing the best possible financing conditions.

No, Financaia is not a banking institution. We act as a specialised intermediary between borrowers and our financial partners. This independence allows us to compare different financing solutions and find the most suitable offers for each profile. Our goal is to defend our clients' interests by accompanying them at every stage of the process, from the analysis of their project to the finalisation of the financing.

Financaia supports residents of all European Union member states as well as residents of Canada. Thanks to our fully digitalised procedures, our clients can submit their application, send their documents and track the progress of their file remotely, without needing to travel.

The minimum amount for a financing application is set at €5,000. This threshold allows us to effectively meet many needs, whether financing a personal project, an important purchase, studies, home improvements, a vehicle or a professional project.

Financaia can support financing applications of up to €500,000. This capacity allows us to respond to both personal financing needs and larger-scale projects such as property acquisition, professional activity development or major investments.

Financaia offers a wide range of financing solutions: personal loans, mortgage loans, student loans, car loans, medical loans, business loans as well as financing for specific projects. Each file is studied individually to identify the most suitable solution.

Most complete applications receive a first response within up to 48 business hours. Our team processes each file with rigour and responsiveness. Timescales may vary depending on the complexity of the file and the nature of the financing requested.

No. The entire process can be carried out remotely. The application, document submission, exchanges with our advisors and document signing can all be done securely online, without any geographical constraints.

Submitting a financing application is simple and fast. Complete our online form with the required information, then submit the necessary supporting documents. Once your application is received, our teams will analyse it and accompany you throughout the process.

Yes. It is possible to submit multiple applications when they correspond to distinct financing needs. Each application is studied separately. Our advisors are available to guide you towards the most relevant steps for your situation.

Any adult residing in an eligible country can submit an application. We support employees, self-employed workers, entrepreneurs, students, retirees and business managers. Each application is studied individually to identify the most suitable solutions.

No. Employee status is not a mandatory condition. Financaia also supports self-employed workers, liberal professions, entrepreneurs, retirees and students. The assessment is based on a global analysis of the financial situation.

Yes. Self-employed workers, sole traders, merchants, craftsmen and liberal professions can perfectly apply for financing. Additional documents to evaluate the stability of their activity may be requested.

Yes. Financaia supports businesses of all sizes. Whether to strengthen cash flow, finance an investment, acquire equipment or support a growth phase, our teams find the most suitable solutions.

Yes. Students can access financing solutions specifically designed to support them in their studies, accommodation, equipment purchases or personal projects.

Yes. Income from retirement pensions is taken into account in the file analysis to assess repayment capacity and propose an adapted solution.

In most cases, a banking history is requested to enable a complete analysis. Bank statements help evaluate financial management, income stability and existing commitments.

Each file is subject to an in-depth analysis taking into account income, professional stability, existing charges, banking history, personal situation and the purpose of the financing requested.

Yes. Income verification is an essential step. It allows us to confirm the declared information and ensure that the proposed solution remains consistent with the repayment capacity, thus guaranteeing responsible financing.

Yes. A refusal may occur when the conditions necessary to obtain financing are not met: incomplete file, insufficient repayment capacity, banking restriction or insufficient financial credibility. Each decision aims to preserve the financial balance of the applicant.

The indicative rate for personal loans generally starts from 3%, subject to file analysis. The final rate is communicated before any signing to guarantee full transparency.

Car loans may benefit from an indicative rate starting from 3%. This rate may vary depending on the amount borrowed, the repayment period and the applicant's profile.

The indicative rate for mortgage loans generally starts from 3%. The final rate depends on the nature of the project, the amount financed, any deposit, the duration and the borrower's financial situation.

Business financing may benefit from an indicative rate starting from 3%. The exact conditions are determined after reviewing the file and the company's financial situation.

Medical loans may be offered from an indicative rate of 2%. This type of financing aims to facilitate access to care and treatments requiring adapted financial support.

Student loans generally benefit from an indicative rate starting from 2%, designed to support students in financing their studies and associated expenses.

Yes. The rate depends on the type of loan, the amount, the duration, the applicant's financial profile and the conditions offered by partner institutions. Each offer is personalised.

The precise characteristics of the rate are systematically indicated in the contractual documents provided before any signing. Clients thus have all the information needed to make an informed decision.

Absolutely. Transparency is a fundamental principle at Financaia. Before any signing, the client receives all information relating to the cost of credit, the applicable rate, the repayment schedule and any associated fees.

Yes. A detailed amortisation schedule is provided before finalisation. It clearly presents all repayment instalments, the breakdown between capital and interest, and the overall cost of the loan.

The minimum repayment period is 6 months, allowing borrowers with short-term needs to benefit from a quick and adapted solution.

The maximum repayment period can reach 240 months (20 years), allowing the financing of important projects while spreading repayments over a longer period to reduce monthly payments.

Yes. Borrowers can choose the duration that best suits their financial situation and objectives, subject to file validation.

In most cases, yes. A longer period reduces monthly payments but may result in a higher total cost of credit. Our advisors help each client find the best balance.

Depending on the conditions of your contract, a full or partial early repayment may be possible. This option can reduce the duration and, in some cases, the total cost of interest.

Monthly payments are defined when the financing is set up and are clearly shown in the amortisation schedule, allowing the borrower to manage their budget with complete peace of mind.

Yes. Before any signing, a detailed simulation is carried out showing the estimated monthly payment amount, the duration and the overall cost of credit.

Yes. As long as the file has not been finalised, it is generally possible to review certain parameters including the duration. Our advisors are available to adjust the proposed solution.

Yes. Monthly payments are calculated based on the amount borrowed, the chosen duration and the applicable rate, providing a precise and consistent estimate.

Of course. Financaia provides personalised simulations to estimate monthly payments, duration and total cost. Our simulator is accessible directly from the home page, free of charge and without commitment.

Documents vary according to your profile and the type of financing. Generally: a valid identity document, a recent proof of address, the last 3 months' bank statements and proof of income. For professionals, additional documents may be requested.

Yes. A valid identity document is essential to verify the applicant's identity and secure the procedure, in accordance with regulatory requirements.

Yes. A valid passport can be used as an identification document provided it is perfectly legible.

Yes. When the identity document contains information on both sides, both must be submitted to ensure a complete verification.

Bank statements provide a precise overview of the financial situation: income stability, financial management habits and existing commitments. This analysis helps propose adapted and responsible solutions.

The last 3 bank statements are generally required. Depending on the nature of the financing, additional documents may be requested.

Yes. Document quality is essential for a quick review. All information must be perfectly visible to avoid any delay in processing.

Yes. Documents can be submitted as photos provided they are clear, complete and legible. Accepted formats are JPG, JPEG, PNG and PDF.

Absolutely. The protection of personal data is a priority for Financaia. Documents are handled with the highest level of confidentiality and used exclusively for the purpose of reviewing the file.

Yes. If some documents are not immediately available, it is generally possible to complete the file at a later stage as long as it has not been closed.

Administrative fees can only be requested after the approval of your application and only in specific situations, particularly when the partner financial institution is located in a different country from the client. No fees are requested before the review and acceptance of the file.

The amount depends on the nature of the financing, the amount granted and the formalities required. It is always communicated clearly before any final validation.

Administrative fees cover the operations required to set up the financing: regulatory verifications, preparation of contractual documents, file management, compliance checks and coordination between the parties involved.

No. Financaia first analyses your application before any potential request for fees. You can submit your project and receive an initial decision without any prior financial commitment.

No. When an application is not approved, no fees related to obtaining the loan are requested.

Yes. In the event of cancellation under the conditions provided for by the procedure, it is possible to request a refund of fees already paid. The terms are specified at the time of file validation.

Yes. When this option is available, fees can be paid by bank card via secure payment solutions.

Yes. Payment by bank transfer is accepted. The necessary bank details are communicated to the client at the time of file validation.

Depending on the nature of the file and applicable conditions, certain payment options may be offered. Available options are communicated before any validation.

After approval, several documents may be sent: the loan application summary, the amortisation schedule, the official financing approval document and the loan contract.

It is a summary document containing the main information relating to the financing granted: amount, duration, main conditions. It allows you to easily find the essential elements of your file.

The amortisation schedule presents all repayment instalments: the amount of each monthly payment, the capital portion, the interest portion and the outstanding capital. It provides a clear overview of how the financing evolves.

It is the official confirmation of the financing acceptance. It specifies the main conditions of the offer granted and marks an important milestone in the process.

The loan contract is the legal document governing the relationship between the parties. It defines the loan conditions, repayment terms, the rights and obligations of each party.

The requirement to take out insurance depends on the type of financing and the contract conditions. When applicable, information relating to insurance is communicated before any signing.

Of course. Financaia encourages every client to read all documents carefully before signing. Our teams are available to answer any questions.

Yes. Depending on applicable procedures, electronic signatures may be used to simplify the process while guaranteeing a high level of legal security.

Absolutely. Our advisors are available to provide all necessary explanations regarding the documents sent, the financing conditions or the repayment terms.

The disbursement takes place after the completion of all administrative and contractual formalities. Once all validations are completed, the funds are released for payment.

Funds are generally transferred by bank wire directly to the account provided during the file submission. SEPA transfers are processed within 1 to 3 business days.

Yes. For a business financing, funds can be transferred to the indicated professional account, subject to the necessary verifications.

Yes, as long as the transfer has not yet been made. This change may require certain security verifications to protect the client.

Timescales vary depending on procedures and bank processing times. Once the file is finalised, our teams ensure processing as quickly as possible.

Yes. Clients are informed of the main stages, particularly when the file is validated and when the transfer is scheduled.

Yes. Financaia provides tools allowing clients to track the progress of their file from their client area. The "Recent Activities" section displays all stages with their status.

Go to the registration page and fill in the form with your personal information: first name, last name, date of birth, phone number, email, country, language, profession and monthly income. Choose a loan type, indicate the amount and duration, create a secure password and upload a profile photo. A 4-digit OTP code will be sent to your email to verify your identity.

Your password must contain at least 8 characters, one uppercase letter, one lowercase letter, one digit and one special character from: !@#$%^&*.

Log in to your client area, go to Settings and enter your new number. Click Save to confirm. The change will be recorded in your activity history.

In your account settings, enter your new email address. Note: your email is your login identifier, so make sure to enter a valid and accessible address.

Go to settings and enter your new password following the security criteria. The change will be recorded immediately in your activity history.

On the login page, click "Forgot password". Enter your email address and an OTP code will be sent. Enter the code to verify your identity, then create a new password. You will be automatically redirected to the login page.

Account deletion is accessible from the settings. To confirm this irreversible action, enter your current password. Your email will be marked as deleted and you will be logged out.

Click on your photo or the edit icon. Select an image in JPG, JPEG or PNG format. The new photo automatically replaces the previous one.

Verification is mandatory to validate your application file. It confirms that you are the person making the request and complies with anti-fraud and anti-money laundering regulations.

Go to the dedicated page. Your face must be clearly visible, your identity document legible, and avoid backlighting. Take a selfie via your camera or upload a photo manually.

A button "I cannot use my camera" will appear automatically. Click it to display the manual upload area. Accepted formats: JPG, JPEG, PNG, WEBP, GIF. Maximum size: 10 MB.

No. Once your photo has been submitted, it is no longer possible to submit a new one. Contact our support team if you submitted an incorrect photo.

The timeframe depends on our processing team. You will be notified as soon as verification is complete. In the meantime, the status will appear as "pending" in your activity history.

Yes. Financaia complies with GDPR regulations. Your information is used solely within the scope of the services provided. You have the right to access, rectify and delete your data.

Yes. Our website uses cookies to improve your browsing experience. On your first visit, a banner will ask you to accept or decline. Your choice is remembered for future visits.

Yes. All communications are encrypted. Passwords are hashed (MD5) and bank card numbers are encrypted before storage.

Your data is shared only with the financial partners involved in your application, within the strict applicable regulatory framework. Financaia never sells your data for commercial purposes.

Yes. Financaia fully complies with the General Data Protection Regulation (GDPR). Your data is collected and processed lawfully, transparently and securely. You have the right to access, rectify, delete and port your data at any time.

Yes. Financaia is a legally incorporated company registered in France, operating in compliance with the regulatory framework applicable to its sector.

Financaia's SIREN number is 514135540.

Financaia's SIRET number is 51413554000011.

Financaia's intra-community VAT number is FR29514135540.

The registered office is located at 34 Rue de l'Aiguillerie, 34000 Montpellier, France.

Financaia operates as a Société à Responsabilité Limitée (SARL), which is the French equivalent of a Limited Liability Company (LLC).

Financaia is managed by Jérôme Incorvaia.

The main activity is banking operations and payment services brokerage, consisting in supporting individuals and professionals in finding adapted financing solutions.

Yes. Financaia's Terms and Conditions are accessible from the footer of our website. They define the terms of access and use of the platform, the rights and obligations of users.

The services are governed by the legislation applicable at Financaia's registered office. In the event of a dispute, the parties will endeavour to find an amicable solution before any legal proceedings.

You can contact our customer service via the "Contact" page on our website or by email at service@financaia.com. Our team is available 24/7.

Financaia is available in all languages of European Union member states: French, English, German, Spanish, Italian, Portuguese, Dutch, Polish, Romanian and many others.

Financaia will never ask for your password or full bank details by email. Do not click on any suspicious links and forward the email to service@financaia.com.

Contact service@financaia.com with "URGENT" in the subject line. Describe the problem, the browser you are using and attach a screenshot if possible.

Choosing Financaia means trusting a partner that places listening, transparency and personalised support at the heart of every project. Thanks to our expertise, our network of partners and our digitalised procedures, we help our clients save time and access competitive solutions. Every project is studied with care to build a lasting relationship of trust based on professionalism and client satisfaction.