Question 1

Who is Picard Credit Solutions?

Accepted Answer

Picard Credit Solutions is a Versailles-based credit broker established in 2014. We support individuals and businesses with their financing projects across France and Europe.

Question 2

Are you regulated?

Accepted Answer

Yes. We are registered with ORIAS under number 14003910 as a Banking Operations and Payment Services Broker (COBSP) and supervised by ACPR (Banque de France).

Question 3

What types of credit do you offer?

Accepted Answer

Personal loans, mortgages, car loans, renovation loans, debt consolidation, and business financing solutions.

Question 4

How long does an application take?

Accepted Answer

A preliminary review is delivered within 48 business hours. A complete file is usually approved within 7 to 21 days, depending on the credit type.

Question 5

How is my file processed?

Accepted Answer

You submit your request online, we review it, negotiate with our banking partners, then present the most suitable offer.

Question 6

Can I apply entirely online?

Accepted Answer

Yes. The whole journey can be completed online, from simulation to e-signature of the agreement.

Question 7

What is your indicative rate?

Accepted Answer

Our simulator uses a reference annual fixed rate of 3%. The final rate depends on your profile, the amount and the duration of the loan.

Question 8

Are there any application fees?

Accepted Answer

Our fees are disclosed transparently before signature. No payment is required before the funds are actually released.

Question 9

What happens if I repay early?

Accepted Answer

Early repayment terms depend on the contract. We explain all the conditions before you sign.

Question 10

Which documents are required?

Accepted Answer

ID, proof of address, three recent payslips or financial statements, recent bank statements, and tax notice.

Question 11

How is my data protected?

Accepted Answer

Your data is stored on secure European servers, encrypted at rest and in transit, and processed in line with GDPR.

Question 12

Can I submit documents online?

Accepted Answer

Yes. Once your application is validated, a secure space is opened for you to upload your documents.

Frequently asked questions