Need a hand?

Revolut offers unsecured personal loans between the values of €1,000–€50,000. You can apply for and manage your loan through your Revolut app.

Personal loan conditions, including interest rates, will depend on your individual circumstances and risk profile. You need to submit an application in-app to get a loan offer. You'll be able to review the final offer before accepting the loan.

• To be a permanent resident in Metropolitan France or Overseas Departments (DOM) and your current address is linked to your Revolut account
• To be at least 18 years old
• To have a regular, sustainable, and verifiable income
• To be a customer of Revolut Bank UAB for at least 30 days and have no missing account details
• To have a local mobile phone number linked to your Revolut account
• To have no negative balances in your Revolut account and no overdue commitments to third parties

• Go to 'Home' on the bottom menu
• Below your balance, tap Accounts
• Tap 'Add new'
• Select Personal loan
• Fill out the short application
• If requested, link your salary bank account via secure Open Banking. This is required for us to verify your income

Once you submit your application, we'll carry out credit checks to determine if your request meets our lending policy. If we need more information, we'll reach out via email. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 10 business days.

Personal loan applications are not communicated to FICP (Fichier National Des Incidents De Remboursement Des Crédits, managed by the Banque de France) and do not impact your credit report.

If your loan is approved, your offer may be different to what you applied for. You'll be able to review the terms and accept, reject, or edit the offer. You need to finalise the process by:

• Viewing the offer
• Editing the offer (if needed)
• Reading the pre-contractual documentation
• Accepting the offer
• Funds will be available on your Revolut account on the eighth day after your contract has been accepted according to the French regulation (Article L312-25 of the Code de la Consommation)

When reviewing your application, we consider your existing financial obligations, expenses, and income. If we find that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer. Our decision is final and can't be changed by our customer support agents.