Flexible credit up to €15 000
A flexible credit line that lets you withdraw what you need, when you need it. Annual interest rate from 24.99% with Monefit Premium.
Amount used
Why choose Monefit
Instant preliminary decision
24/7 withdrawals to your bank account
Paid out within minutes from approval
More flexible than a traditional loan
A credit line isn't like a personal loan, where you're locked into fixed monthly repayments from day one. With Monefit, you get an approved credit limit and only withdraw money when you actually need it. Use your flexible credit line for a home renovation, an unexpected bill, or a big purchase. Repay at your own pace: pay just the monthly minimum, or clear the full balance early, no penalties, no extra charges.
A flexible loan alternative
Traditional loan
• Fixed loan amount
• Fixed monthly repayment
• One lump sum, one time
• Less flexibility once the loan is issued
• Early repayment penalty often applies
Monefit credit line
• Approved credit limit up to €15 000
• Withdraw only what you need
• Interest applies only to the amount used
• Pay just the monthly minimum or repay more
• Never an early repayment penalty
You choose how much to repay
No rigid monthly instalments. Pay the minimum to keep things manageable, or pay more when you can — even the full balance. Your Credit Line stays open and ready for next time.
24/7 withdrawals to your bank account
Need money at 11pm on a Sunday? No problem. Log into your Monefit dashboard and transfer funds straight to your bank account — instantly, whenever you need it.
Know within minutes
Apply online, get an instant preliminary decision and access your Credit Line once you've been approved. Fast, fair and fully digital.
Apply online in four steps
Loans for different needs
Small loan
A small loan is often used for personal expenses that are larger than everyday spending but smaller than long-term financing needs.
Consumer loan
A consumer loan is commonly used for private expenses such as repairs, household costs, larger purchases, or other personal needs.
Online loan
An online loan allows you to apply digitally without visiting a physical branch.
Unsecured loan
An unsecured loan does not require collateral such as property, a car, or another asset.
Loan for unexpected expenses
Unexpected expenses can create pressure on your monthly budget. This may include urgent household costs, repairs, or bills that were not planned in advance.
Loan for car repairs
Car repairs can be difficult to postpone, especially if you rely on your car for work, family, or everyday transport.
Trusted by 1.4M+ customers across Europe
Read what customers say about their Monefit experience.
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