Loans and Credit
Make sure unexpected expenses never catch you off guard
Unexpected charges, buying a car, furnishing your home or whatever else you need.
Overdraft
Peace of mind
Additional money to cover the unexpected.
No fees or charges
No arrangement or application fees.
Pay only when you use it
You only pay interest on the money you need and for the days you have used it.
Instant¹ and paperless
If your salary is paid in directly or you have savings, funds or investments at Openbank.
1 Annual NIR of 6.95% (7.18%). Representative example for your loan of €10,000 over 60 months with 59 monthly repayments of €197.78 and a final instalment of €197.53. No application fee. Total amount to pay (principal + interest) of €11,866.55. Total cost of loan (interests) €1,566.55. French amortisation schedule.
2 The annual nominal interest rate (NIR) is 7.72% (8.00% APR). We will charge it to your current account at the same time as your monthly account settlement. For example, if you use €500 over 10 days to pay for your car insurance, you will only pay €1.06 in interests when your account is settled; therefore, the total amount of credit would be €501.06.”
3 The line of credit is subject to analysis and approval by Openbank, provided that the following requirements are met.
You must be the holder of an Open Current Account or an Open Payroll Account and meet at least one of the following two requirements:
- Salary is paid directly into an Openbank account; and/or
- Have positions in deposits, funds or securities at Openbank.