loans
miscellanous loan

MISCELLANEOUS LOAN

Loan

A personal loan that enables you to carry out your projects

A loan is a legal commitment and must be repaid. Please verify your ability to repay before signing up.

Prêt Divers

The Miscellaneous Loan is a personal loan that enables you to finance your projects: high-tech, traveling, household appliances, etc.(1)

  • FIXED APR
  • 4.43%(2)

Example of a €10,000 loan with a term of 48 months:

Fixed Annual Percentage Rate (APR): 4.43%(2)
Amount per payment due (not including optional insurance): €227.32
Total amount due (not including optional insurance): €10,911.36
A loan is a legal commitment and must be repaid. Please verify your ability to repay before signing up.

(1) Subject to application approval by BNP Paribas (the lender). You have a legal withdrawal period of 14 calendar days from the date when you accept the loan agreement.
(2) This offer is reserved for qualified individual customers of legal age, and is subject to conditions. Annual Percentage Rate in effect as of 2016-01-01.

In detail

Flexibility

Any project turn your wishes into reality

You benefit from a customized loan according to your projects and repayment capacity, without any application fees.(3)

(3) For all online subscriptions. Terms and conditions in effect as of 2015-03-01.

Sign up

onlineReceive an immediate pre-approval response

With just a few clicks, you will know the loan amount that you can benefit from! You can then quickly turn your projects into reality.

Repayment

Early, partial or in fullACCORDING TO YOUR BUDGET

You have the possibility to repay your loan early.(4)

(4) See the terms and conditions in the agreement. Terms and conditions in effect as of 2015-03-01.

Detailed characteristics of the

Miscellaneous Loan

Download the pdf

  • Eligibility, Amount, Term, Interest rate
  • Supporting documents, legal withdrawal period, availability of funds
  • Repayment, Insurance, Loan maturity
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Eligibility

The BNP Paribas Miscellaneous Loan is offered to qualified individual customers of legal age.(1)

(1)Subject to application approval by BNP Paribas (the lender).

Amount

You can borrow from €760 to €75,000.

Term

You can borrow for a term of at least 4 months up to maximum of 108 months.

Rate

The interest rate on your Miscellaneous Loan is determined according to the characteristics of the loan (amount, term) you request.

For example: for a loan of a total amount of €10,000 and a total term of 48 months, you would make 48 payments of €227.32 (not including optional insurance). No application fee. Fixed interest rate: 4.34% per year. Fixed APR: 4.43%. Total amount owed by the borrower (not including optional insurance): €10,911.36. Interest: €911.36.

If you sign up for optional insurance(5) (Death/Complete and Irreversible Loss of Independence, Total Incapacity to Work): Insurance Annual Percentage Rate (APR): 1.38% of the total amount owed by the borrower for insurance throughout the term of the loan: €288.00; the monthly insurance premium: €6.00 per month, added to the loan installment payments.

(5)Insurance policy offered by Cardif Assurance Vie (life insurance) and Cardif Assurance Risques Divers (casualty insurance).

BNP Paribas, limited liability company with capital of €2,492,372,484 – Headquarters: 16 boulevard des Italiens, 75009 PARIS. Registered with the Paris RSC (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

Cardif Assurance Vie, a business regulated by the French Insurance Code – a limited liability company with capital of €712,340,624 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 with a European intracommunity VAT No. FR 12732028154 – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex.

Cardif Assurances Risques Divers, a business regulated by the French Insurance Code – a limited liability company with capital of €16,875,840 – registered with the Paris RCS (Trade and Companies Registry) as No. 308 896 547 – Headquarters: 1 boulevard Haussmann, TSA 93000, 75318 Paris – Offices: 4 rue du Port, 92728 Nanterre Cedex.

Avanssur: Insurance company regulated by the Insurance Code, a limited liability company with capital of €67,155,752.86 – Headquarters: 48 rue Carnot, CS 50025, 92158 Suresnes Cedex – Registered with the Nanterre RCS (Trade and Companies Registry) as No. 378 393 946.

Further details

FAQ ()

  • What goods can I buy?
  • The Miscellaneous Loan enables you to buy anything you like for personal use up to a limit of €75,000.

    Other loans are designed specifically for real estate or goods for professional use.
  • Is a down payment required?
  • A Miscellaneous Loan does not require a down payment. Of course, a down payment is always useful, if only to reduce your monthly loan payments and shorten the repayment period.
  • How much can I borrow and what is the term of the loan?
  • You can borrow from €760 to €75,000, for a term of at least 4 months up to maximum of 108 months.

In addition

  • Assurance de votre prêt personnelPersonal insurancePERSONAL LOAN INSURANCEPersonal loan insurance that covers you in the event of a financial setback.
  • Prêt digitalLoansBNP PARIBAS DIGITAL LOANA personal loan that finances your digital cameras/devices, video cameras or computers.
  • Livret ASavingsLivret AA secure investment available at all times.

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