A cash reserve that is always available, to be used when you need it.

The revolving credit facility offered by LCEFCIAL is a flexible and practical solution for handling unexpected expenses or financing small personal projects. It allows you to access a reserve of funds that can be reused at any time, without having to reapply for a loan each time.

What is revolving credit?

This is a sum of money made available to you, which you can use in whole or in part, at any time. Each repayment replenishes the available credit. You only pay interest on the amount used, not on the entire authorized credit.

Features of the LCEFCIAL revolving credit facility:

• Reserve amount: €500 to €5,000
• Interest rate adjusted according to usage (starting from 8.9% APR)
• Flexible repayment period (depending on usage)
• Reserve automatically replenished with each repayment
• Usable at any time, without proof of expenditure
• No application fees, no penalty for early repayment

What is the purpose of revolving credit?

• Appliance repair or purchase
• Back-to-school or university expenses
• Unexpected medical expenses
• Temporary cash flow needs
• Vacation or gifts
• Minor repairs or urgent expenses

Access conditions :

• Be between 21 and 65 years old
• Have a stable income
• Not be over-indebted or subject to a banking ban
• Provide the standard documents: proof of identity, proof of income and address

Example of use :

« I activated my revolving credit line with LCEFCIAL to cover unexpected tuition fees. I used €800, which I was able to repay in 5 months. Since then, my reserve has been automatically replenished and remains available if needed. »
— Brown D.  Teacher 

A discreet, reusable, flexible solution

With LCEFCIAL, you remain in control of your budget. The revolving credit facility is a flexible, secure reserve that you can use at any time, without having to reapply each time you need it.

Need a quick boost?

Simulate your revolving credit now on LCEFCIAL. Fast response and immediate use.