Microcredit
Financial inclusion for everyone
KapitalStark microcredit is aimed at people excluded from the traditional banking system — jobseekers, benefit recipients, micro-entrepreneurs — to finance a personal or professional project.
Indicative conditions
Available solutions
Conditions table
Indicative rates by profile and duration — insurance not included.
| Duration | Min. APR rate | Max. APR rate | Monthly payment / €10,000 |
|---|---|---|---|
| 5 years | 4.0% | 7.0% | 184 € |
| 10 years | 4.0% | 7.0% | 101 € |
| 15 years | 4.0% | 7.0% | 74 € |
| 20 years | 4.0% | 7.0% | 61 € |
| 25 years | 4.0% | 7.0% | 53 € |
| 30 years | 4.0% | 7.0% | 48 € |
* Indicative simulation. The actual rate depends on your profile, duration and amount.
How does it work?
Simulate
Estimate your monthly payment in seconds with our online simulator.
Submit your file
Enter your details and upload your documents securely.
Response within 24h
Our advisors analyse your file and give you a quick answer.
Funds released
After electronic signature, funds are transferred to your account.
Required documents
Prepare these documents to speed up the processing of your file.
- ✓ Valid ID
- ✓ Proof of address
- ✓ Proof of income (benefits, jobcentre…)
- ✓ Project description
Frequently asked questions
Anyone having difficulty accessing conventional bank credit: unemployed, benefit recipients, low-income individuals.
Yes, each recipient is monitored by an advisor throughout repayment to help with their project.
Yes, microcredit requires no conventional guarantee. It is granted based on your project and motivation.
Discover our other loans
Ready to finance your project?
Free simulation, no commitment. Response within 24 business hours.