Your project deserves funding... Get your credit today.
Whether it's an unexpected event, a dream, or an investment — we support you with transparency, speed, and some of the most competitive rates on the market.
Who is it for?
A loan designed for your situation
Whatever your profile — employee, self-employed, retiree or in career transition — we have a solution adapted to your reality.
The employee facing the unexpected
Car breakdown, water leak, unexpected medical bill… You need cash quickly without touching your savings. Our Express Loan delivers in less than 24h.
Ideal for: amounts from €500 to €15,000
The self-employed person who invests
Freelancer, entrepreneur, craftsman — you have a growth project but your usual bank hesitates. We study your actual activity, not just your status.
Ideal for: business financing from €5,000 to €100,000
The family that renovates
Expanding the house, renovating the kitchen, improving insulation — projects that add value to your property and improve your daily life. Finance them with monthly payments adapted to your budget.
Ideal for: home improvement from €3,000 to €75,000
The retiree with a head full of projects
Travel, helping a child, a new vehicle — your pension is regular and reassuring. Benefit from preferential rates reserved for stable profiles without justifying the use of funds.
Ideal for: personal loans from €1,000 to €35,000
The person in career transition
Professional training, business creation, new start — each file is reviewed by a human advisor who considers your overall situation, not just your pay slip.
Ideal for: financing from €1,000 to €25,000
The one juggling too many loans
Consumer credit, lease, bank overdraft, revolving credit — consolidate everything into a single reduced monthly payment of up to 60%. Regain financial peace of mind and purchasing power.
Ideal for: consolidation up to €500,000
Why winramoney-express?
The institution that says yes when others hesitate.
Since 2018, we have financed over 45,000 life projects. Our belief: every person deserves to be heard and supported — not just filtered by an algorithm.
Our solutions
A loan for every project
Fixed and predictable monthly payments, no surprises.
Personal Loan
From €1,000 to €500,000 for any use. No proof of destination required. Funds transferred within 48h after signing.
Simulate my loan
Auto Loan
New or used, up to €500,000. Preliminary response in 2 hours. No need to change dealerships.
Simulate my auto loan
Home Improvement Loan
Renovation, extension, energy efficiency — up to €500,000. Increase your property's value while managing your monthly payments.
Simulate my home improvement loan
Debt Consolidation
Do you have several loans outstanding? Consolidate them into a single reduced monthly payment and regain a clear budget. A free simulation is enough to measure your potential savings — with no obligation.
Calculate my savingsWhy our rate makes the difference
The concrete benefits of a good rate
A difference of 1 or 2% in your APR can represent several hundred euros in savings. Here's why choosing winramoney-express truly changes the game.
Fixed rate — zero surprises
Your rate is determined upon signing and will never change. What you sign on day one is exactly what you pay until the final repayment — even if market rates rise.
A low rate = real savings
For €10,000 borrowed over 36 months: at 3.9% you pay around €310 in interest. At 12% (typical bank rate), that's €1,950 in interest. That's over €1,600 in savings with us.
Early repayment — always free
Receive a bonus or unexpected income? Repay all or part of your loan at any time, without fees. You stop accruing interest immediately.
Monthly payment flexibility
Your situation changes? Increase or decrease your monthly payments once a year upon simple request. A rare flexibility that few institutions offer — included in all our contracts.
Deferral of payments possible
In case of temporary hardship, you can defer up to 3 monthly payments over the contract term. Without penalty, without complex paperwork. Just an agreement from your advisor.
Loyalty rewarded
From your second loan with us, you automatically benefit from a 0.3 point rate reduction. The more you trust us, the better your terms become.
Repay faster — how it works
4 strategies to pay off your loan earlier
Increase your monthly payments
By increasing your monthly payment by just €50 per month on a €10,000/36-month loan, you can pay off 4 to 6 months earlier and save several tens of euros in interest.
One-off exceptional payment
Receive a bonus, commission or inheritance? Make a partial repayment at any time. The principal decreases, and interest follows immediately.
Full early settlement
Settle the entire remaining capital in one go. You immediately stop all future interest. Particularly advantageous at the beginning of repayment.
Reduce the duration at the next renegotiation
If your financial situation improves, ask to shorten the remaining term of your loan. Fewer months = less interest paid overall, for a much lower total cost.
Our process
From request to funds in 48 hours flat
A fully online experience, no appointments, no travel, no unnecessary paperwork.
Complete your request
Secure online form. No immediate supporting documents, no travel. Your simulation is available in real time.
3 min · no obligationSubmit your documents
Upload your supporting documents from your phone. Secure encrypted space, immediate processing by our team.
100% online · secureReceive your offer
A human advisor studies your file and submits a firm offer. Sign electronically with full legality.
Response in less than 2hFunds in your account
Direct transfer to your IBAN within 48 business hours following signature. You receive a confirmation SMS upon dispatch.
Within 48 business hoursOur rate offers
Clear rates, no detours
- Amount€1,000 – €500,000
- Duration12 to 84 months
- ResponseWithin 48h
- Application feesFree
- Amount€500 – €15,000
- Duration6 to 48 months
- Response< 2 hours
- TransferWithin 24h
- Amount€5,000 – €500,000
- Duration12 to 120 months
- AdvisorDedicated
- Application feesFree
They did it, why not you?
Real stories, transformed lives
I was coming back from a fixed-term contract, banks were closing all their doors on me. My advisor at winramoney-express took the time to study my real situation — my regular income over the last 18 months, my rent always paid on time. He said yes in 4 hours. I was able to finance my career transition training and today I work in a field I'm passionate about. This loan literally changed my trajectory.
Auto loan obtained in less than 12h. Clear interface, everything done from my phone. I signed Thursday evening, the funds were there Monday. Exactly what was promised.
I had three loans weighing me down. By consolidating them, my monthly payment went from €890 to €420. Breathing room regained every month. My advisor handled everything, I hardly had to do anything.
Response in 1h for my home improvement loan. Funds the next day. My contractor was able to start immediately. Service on par with major brands, with much more humanity.
Your request in 3 minutes
You deserve a quick response. Here it is.
No branch appointments, no endless waiting. Fill out the form — a human advisor reviews your file and calls you back within 2 hours to finalize your personalized offer.
3-minute form, flat
We only ask for the essentials. No unnecessary questions, no endless checkboxes. Your time is precious.
A human advisor — not a robot
Your file is read and analyzed by a real person. They consider your story, not just your numbers.
Firm offer before any commitment
You receive a complete contractual offer with the exact APR, monthly payments, and total cost. You decide with full knowledge of the facts.
Simulation without impact on your credit
The simulation request leaves no trace in bank files. Your credit score is preserved, no matter what.
14 days to change your mind
Even after signing, you legally have 14 days to withdraw. No definitive commitment until you are fully sure of your choice.
Frequently asked questions
Everything you need to know
Other questions? Our team is available 7 days a week by phone or chat — no script, no waiting.
What documents should I provide for my application?
A valid ID, recent proof of address, and your last 3 pay stubs (or tax notice for self-employed individuals). Everything can be uploaded online in seconds from your phone or computer. No postal mail required.
Can I get a loan if I am on a fixed-term contract or self-employed?
Absolutely. Unlike many institutions, we do not automatically exclude fixed-term contracts, temporary workers, freelancers, or liberal professions. What matters to us is the regularity and consistency of your income over the last 6 to 12 months — not your contract type.
Does the simulation affect my credit score?
No, not at all. The initial simulation does not generate any consultation of FICP or FCC files. Only the formal application, to which you must explicitly consent, triggers a verification. You can simulate as many times as you wish with complete peace of mind.
How does early repayment work?
Early repayment (partial or total) is possible at any time, without any penalty at winramoney-express. You immediately stop accruing interest on the amount repaid. It's one of the best ways to reduce the total cost of your loan if your situation improves.
What is the actual time between request and funds?
For Express Loan: response within 2h, funds within 24h after signing. For other products: response within 24-48h, transfer within 48 business hours. These times include the legal reflection period. We keep you informed by SMS and email at each step.
Can I change my monthly payments after signing?
Yes. Once a year, you can request to adjust your monthly payments up or down (within a ±30% limit), or defer up to 3 installments over the contract term. This flexibility is included in all our contracts, without additional fees.
Is my personal data really protected?
Your data is encrypted in transit (TLS 1.3) and at rest (AES-256). It is hosted exclusively on servers in France, certified ISO 27001. We never sell it to third parties and you can request its complete deletion at any time, in accordance with GDPR.