A file re-examined
We analyse your situation from a different angle to your bank.
Back to the credit guide
Credit Refusal
Has your bank refused your credit? Let us review your file differently
A credit refusal is not always the end of the road. Each bank applies its own criteria, and a file rejected by one institution may be reviewed differently by another. As a broker, our role is to re-examine your situation as a whole and search among our partners for a solution genuinely suited to your profile.
Free, no-obligation and confidential study.
Understanding your refusal to bounce back
A credit refusal can have many causes: debt ratio deemed too high, irregular income, probationary period, insufficient professional seniority, or simply a bank's internal policy at a given moment. These criteria vary greatly from one institution to another.
Our job is to analyse your file from a different angle, to identify what may have caused the problem, and then to present your application to the partners most likely to respond favourably. We never promise the impossible, but we do everything we can to offer you a serious new review.
Several partners
Organisations with varied criteria
48 h
Response time
€0
Broker fees at assessment
100 %
Confidential and no obligation
Situations we review
- Refusal due to high debt ratio
- Variable or recent income
- Fixed-term contract, temporary work or probationary period
- Refusal following a change in situation
- Need for a fresh look at your file
Why turn to us after a refusal
Several partners
We approach organisations with varied criteria, not a single institution.
Honest support
We tell you clearly what is possible, without false promises.
How your new review works
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You present your project and situation to us, in complete confidence.
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We analyse your file and identify the points to strengthen or adjust.
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We present your application to the partners best suited to your profile.
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You receive a response in principle and, where applicable, a concrete proposal.
Frequently asked questions
My bank refused my credit application — can I still get financing?
A refusal does not mean your file is rejected everywhere. Each institution applies its own criteria. We review your situation and present it to the most appropriate partners. However, we cannot guarantee any acceptance: it all depends on your actual situation.
Why does a bank refuse a credit application?
The most common reasons are a high debt ratio, income deemed insufficient or irregular, limited professional seniority, or the bank's internal policy. These criteria vary from one institution to another.
Can you guarantee that I will get my credit?
No, and be wary of any actor who would promise this. Our role is to review your file and present it to the most relevant institutions, maximising your chances. The final decision always rests with the lending institution.
Is the review of my file paid?
No. The review of your file is free, no-obligation and confidential. You pay no fees to find out whether a solution is possible.
Am I obliged to accept if you find a solution?
Not at all. You remain completely free. We present you with a proposal, and you then decide whether it suits you.
Does my information remain confidential?
Yes. Your situation is handled in complete confidentiality, in compliance with data protection regulations.
Someone who advocates for your file
Being refused by a bank is discouraging, but it does not always reflect your true capacity to borrow. Our role is to take your file, present it in its best light and submit it to the institutions most able to support you. We work with transparency and never promise what is not realistic.
Entrust us with your project
Start your free, no-commitment simulation, or speak directly with an analyst. Reply within 24h.