01 - Strong credit history
A positive credit history, with a track record of on-time and complete repayment of previous debts, is often essential to obtain credit.
02 - Stable and sufficient income
We require you to demonstrate a regular and sufficient source of income to repay the loan, typically verified through pay stubs or other financial documents.
03 - Repayment capacity
We assess your ability to repay the loan based on your available income after payment of all your monthly expenses, including other debts.
04 - Specific conditions of CREDIT OPTIMAL
CREDIT OPTIMAL has its own specific criteria and requirements depending on the type of credit requested, the purpose of the loan, and the internal policies of our credit company.
05 - Guarantees or Mortgage
In some cases, collateral such as assets or property may be required to secure the loan and provide additional assurance in case of default.
