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Archives: FAQ

Kuditis FAQs are designed to answer common questions customers have about our personal credit services. We cover topics such as eligibility requirements, repayment terms and conditions, transaction security and the documents needed to obtain a loan. Our customers can find clear information on the application process, the interest rates charged, as well as the options available to tailor loans to their specific needs. Kuditis is committed to providing a simple and seamless experience, with ongoing support at every stage of the credit journey.

How consumer credit works

What is the minimum monthly repayment ?

The minimum monthly repayment depends on the amount borrowed and the repayment period you choose.
The repayment period can be between 12 and 120 months, depending on the personal loan you choose.
Our online personal loan simulators will help you choose the repayment period and monthly payment best suited to your budget and your project.

You can ask to defer a repayment if you have already paid 6 monthly instalments.

You can change the maturity of your loan by changing the repayment speed.
With amortisable credit, you can reduce or increase the amount of your repayment by making partial early repayments.

Only revolving credit allows you to change the direct debit date.
You can then choose between the 10th, 20th or 30th of the month.

If you have an amortising loan, you are debited on the 10th, 20th or 30th and on the 5th for revolving loans.

Using consumer credit

Once your application has been definitively accepted by Kuditis and the legal 14-day cooling-off period has expired, the funds will be paid into your bank account within 48 hours (working days).
However, the funds may be paid from the 8th calendar day following the signature of your loan upon express request and agreement by Kuditis. The withdrawal period remains unchanged.

If you are experiencing repayment difficulties, do not hesitate to contact us in order to prevent any payment incident. Kuditis is a signatory to the agreement between the Association of Financial Companies and eleven consumer organisations on the amicable recovery of your consumer loan.

The cooling-off period is a legal period granted to people taking out consumer credit to allow them to reconsider their decision after signing the contract.
To withdraw, simply return the withdrawal form attached to the credit agreement, completed, dated and signed, by post or recorded delivery to the postal address or by e-mail to the Customer Relations Department within 14 working days of the date on which the agreement was signed.
It is forbidden to record in a file the names of people who have exercised their right of withdrawal.
Withdrawal cancels the credit agreement. If the credit was used to purchase goods or services, the contract of sale or provision of services is also automatically cancelled. Any sums paid in advance of the price must therefore be repaid.

You can apply for your loan online by filling in the application form on this site. If your application is pre-approved, you will receive your application form, which you will need to sign and return with the supporting documents requested.

You may repay all or part of your loan before the due date.
An indemnity may be claimed, provided that it is provided for in the contract and complies with the conditions set out in the French Consumer Code.
Depending on the contract or the customer’s wishes, partial early repayment will result in either :

  • A reduction in the amount of the instalments (with the term remaining unchanged);
  • A reduction in the term of the loan.

All consumer loans have a 14-day withdrawal period from the date of signature.
All you have to do is return the withdrawal form attached to the contract.
However, the funds may be paid out from the 8th calendar day following signature of the contract, at the express request of the borrower and with the agreement of the lending institution. The withdrawal period remains unchanged.

Definitions of consumer credit

A personal loan is an amortising loan designed for individuals to finance personal needs or the purchase of everyday consumer goods.

A revolving credit is a line of credit made available to a customer, which can be used in whole or in part as required, up to the amount available on the credit line. The capital repayments made replenish the available reserve, allowing it to be used again.

Unrestricted credit is credit that is not allocated to the purchase of a specific good or service. There is no mention of the purpose of the financing in the contract. The funds are released by mutual agreement, without justification as to the purpose of the finance. This is the case with an online loan or revolving credit.

Earmarked credit (or tied credit) is used exclusively to finance a contract for the supply of specific goods or services. The contract precisely defines the purpose of the financing. The release of funds is generally linked to the completion of the planned transaction.

Taking out consumer credit

The supporting documents required
to obtain financing are as follows :
  • Bank details.
  • Identity : valid identity card, passport or residence permit.
  • Residence : electricity, gas, water or telephone bill (landline or mobile) less than one year old, computerised rent receipt, council tax, etc.
    Income :
    ○ For self-employed people, the Kbis extract.
    ○ For employees, the last 2 payslips and the last tax notice.
    ○ For pensioners, the last tax assessment or pension statement.
    ○ For the self-employed, shopkeepers and craftsmen, the last 2 tax notices.

Depending on your situation, the amount and type of loan, you may be asked to provide other documents.

You can apply for your personal loan with a co-borrower. The co-borrower must also sign the contract and provide the supporting documents requested.

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