Academic mock-up — Auxo Banque is an entirely fictional institution, built as part of a graduate thesis. It does not correspond to any real bank. No data entered is transmitted or stored.

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Loans

Fund a project without losing control of your budget.

Nine forms of credit, from personal loans to investment financing, with one common rule: a monthly payment compatible with your living budget.

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  • In-principle answer before any offer
  • Rate and instalment clearly stated
  • Indicative simulation, no commitment
Available solutions

Nine loans, one identified need for each.

Each sheet states the term, the expected guarantees and how the review unfolds.

Personal loan

Financing with no need to justify its use, for any project.

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Mortgage loan

Financing a main home, second home or rental property purchase.

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Auto loan

Financing a new or used vehicle, with or without a deposit.

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Student loan

Funding studies, with a possible deferred repayment.

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Professional loan

Funding a freelancer’s activity: equipment, vehicle, premises.

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Business loan

Funding growth, an investment or an acquisition.

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Equipment loan

Financing machinery, professional vehicles or IT equipment.

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Cash-flow credit

Absorbing a temporary gap between receipts and payments.

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Investment loan

Funding a medium- to long-term development project.

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Who is it for?

Find the profile that matches you.

Individual

Fund a purchase, renovation work or an unforeseen expense.

 Student

Spread study costs with deferred repayment.

 Sole trader

Fund premises, a vehicle or equipment.

 Business

Support a multi-year development plan.

 Entrepreneur

Absorb a cash-flow gap during launch.

 Investor

Fund a productive asset or a property project.

 Non-profit

Equip an organisation without draining its cash.
Individual

Personal loan

Financing with no need to justify its use, for any project.

A personal loan funds a project with no set purpose: equipment, travel, unexpected costs. It is repaid in fixed instalments over a chosen term.

Benefits

  • No need to justify how the funds are used
  • Fixed instalments, term chosen in advance
  • Early repayment possible

Who is it for?

Individuals with a regular income.

How it works

  1. 1

    Online simulation of amount and term.

  2. 2

    File review and preliminary decision.

  3. 3

    Electronic signature and funds released.

Conditions
  • Provable regular income
  • Debt ratio within limits
Required documents
  • Proof of identity
  • Proof of income (last 3 months)
  • Bank details
Frequently asked questions
Can I repay my loan early?

Yes, partial or full early repayment is possible, subject to contract terms.

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Individual

Mortgage loan

Financing a main home, second home or rental property purchase.

The mortgage loan funds a purchase, construction or major works, over a long term, at a fixed or variable rate depending on profile.

Benefits

  • Long terms, up to several decades
  • Fixed or variable rate depending on your profile
  • Linked borrower insurance

Who is it for?

Individuals buying or building a property.

How it works

  1. 1

    Borrowing capacity simulation.

  2. 2

    Building the file with the sale agreement.

  3. 3

    Loan offer, cooling-off period, then funds released.

Conditions
  • Personal contribution recommended
  • Regulated debt ratio
  • Borrower insurance taken out
Required documents
  • Proof of identity and income
  • Sale agreement or construction quote
  • Recent bank statements
Frequently asked questions
Can the rate change during the loan?

Only a variable rate changes, within the contract’s limits; a fixed rate stays unchanged.

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Individual

Auto loan

Financing a new or used vehicle, with or without a deposit.

The auto loan funds a vehicle purchase, earmarked for that use, with shorter terms than a personal loan.

Benefits

  • Generally more favourable rate than a personal loan
  • Term adapted to the vehicle’s value
  • Used vehicles can be financed

Who is it for?

Individuals buying a new or used vehicle.

How it works

  1. 1

    Simulation based on vehicle price and deposit.

  2. 2

    Sending the quote or pro forma invoice.

  3. 3

    Funds released to the seller or to your account.

Conditions
  • Vehicle quote or invoice
  • Income compatible with the instalment
Required documents
  • Proof of identity
  • Vehicle quote or pro forma invoice
  • Proof of income
Frequently asked questions
Does the loan cover a used vehicle sold between individuals?

Yes, subject to a compliant sale document.

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Student

Student loan

Funding studies, with a possible deferred repayment.

The student loan funds tuition, housing or equipment, with repayment deferred during studies, often guaranteed by a third party.

Benefits

  • Repayment deferral possible during studies
  • Preferential rate depending on the course
  • Optional guarantee by a guarantor

Who is it for?

Students enrolled at a recognised institution.

How it works

  1. 1

    Simulation based on amount and length of studies.

  2. 2

    Naming a guarantor if required.

  3. 3

    Funds released in stages or at once, as needed.

Conditions
  • Proof of enrolment
  • Guarantor if the profile requires one
Required documents
  • Proof of enrolment
  • Proof of identity of student and guarantor
Frequently asked questions
Does repayment start during studies?

A full or partial deferral can be requested until the end of the course.

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Sole trader

Professional loan

Funding a freelancer’s activity: equipment, vehicle, premises.

The professional loan funds a freelancer’s or self-employed professional’s activity-related needs, outside day-to-day cash flow.

Benefits

  • Term adapted to the nature of the item financed
  • File review takes the activity into account
  • Deferral possible depending on the project

Who is it for?

Freelancers, sole traders, self-employed professionals.

How it works

  1. 1

    Presenting the project with related quotes.

  2. 2

    File review based on activity and income.

  3. 3

    Funds released, often directly to the supplier.

Conditions
  • Active professional registration
  • Sufficient trading history
Required documents
  • Proof of registration
  • Quotes or pro forma invoices
  • Latest trading results (if available)
Frequently asked questions
Can a recent business be financed?

Yes, a stronger file (forecasts, guarantees) can offset a short history.

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Business

Business loan

Funding growth, an investment or an acquisition.

The business loan funds structuring development projects: acquisitions, new markets, major investments.

Benefits

  • Amounts and terms suited to ambitious projects
  • Support from a dedicated relationship manager
  • Structuring possible with suitable guarantees

Who is it for?

Growing companies, of any size.

How it works

  1. 1

    Presenting the project and financing plan.

  2. 2

    Financial analysis by a relationship manager.

  3. 3

    Structuring the offer and setting it up.

Conditions
  • Recent financial statements
  • Demonstrated repayment capacity
Required documents
  • Balance sheets and income statements
  • Project financing plan
  • Registration extract
Frequently asked questions
Does a relationship manager follow the file over time?

Yes, the contact stays the same throughout the financing period.

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Sole trader Business

Equipment loan

Financing machinery, professional vehicles or IT equipment.

The equipment loan funds a specific business asset, usually amortised over a term close to its useful life.

Benefits

  • Term aligned with the equipment’s lifespan
  • The financed asset can serve as collateral
  • Finance-lease option available

Who is it for?

Professionals and companies with a specific equipment need.

How it works

  1. 1

    Sending a detailed equipment quote.

  2. 2

    Reviewing the file and the asset’s value.

  3. 3

    Funds released to the supplier on delivery.

Conditions
  • Detailed equipment quote
  • Activity consistent with the asset’s use
Required documents
  • Equipment quote
  • Proof of professional registration
Frequently asked questions
Can used equipment be financed?

Yes, subject to an estimate of its residual value.

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Sole trader Business

Cash-flow credit

Absorbing a temporary gap between receipts and payments.

Cash-flow credit covers a short-term liquidity need, for example a seasonal gap or a customer payment delay.

Benefits

  • Fast setup for a short-term need
  • Flexible use, repayment as cash comes in
  • Renewable depending on activity

Who is it for?

Professionals and companies with seasonal or cyclical activity.

How it works

  1. 1

    Analysing the business’s cash cycle.

  2. 2

    Setting up a suitable facility.

  3. 3

    Used and repaid as receipts come in.

Conditions
  • Recent trading history
  • Identified short-term need
Required documents
  • Recent bank statements
  • Cash-flow forecast if available
Frequently asked questions
Is this a standard authorised overdraft?

It is similar, but sized and priced for professional use.

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Business Investor

Investment loan

Funding a medium- to long-term development project.

The investment loan funds medium- to long-term structuring projects: expansion, modernisation, international development.

Benefits

  • Long terms matched to the return on investment
  • Structuring possible with co-financing
  • Strategic support from the bank

Who is it for?

Companies carrying a structuring development project.

How it works

  1. 1

    Presenting the project and business plan.

  2. 2

    In-depth financial analysis.

  3. 3

    Structuring the offer and gradual roll-out.

Conditions
  • Detailed business plan
  • Company in sound financial health
Required documents
  • Business plan and financial forecast
  • Recent financial statements
Frequently asked questions
Can the loan be combined with a grant?

Yes, see the Funding & grants page for complementary schemes.

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Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

A loan you understand, from first calculation to final instalment.

Controlled instalment

The review checks the burden stays sustainable over time.

Total cost disclosed

Interest, insurance and fees are presented before any signature.

Adjustable term

A longer term lowers the instalment and raises total cost: the trade-off is spelled out.

Reasoned review

A refusal is explained and comes with alternative routes.

Borrower insurance

Required cover is detailed; the choice of insurer stays free.

Application tracking

Every review step is dated and visible.

How it works

Five steps, nothing left unclear.

1

Discover

Identify the loan type suited to the project.

2

Choose

Adjust amount and term to a sustainable instalment.

3

Apply

File the application with supporting documents.

4

Review

Repayment capacity analysis and in-principle answer.

5

Confirm

Offer issued, cooling-off period, then set-up.

Key information

Conditions and documents to prepare

Conditions

  • Evidence regular income and a stable situation.
  • A reasonable overall debt ratio after the operation.
  • Borrower insurance is usually required on long-term loans.
  • Guarantees may be required depending on the amount financed.
  • A loan is binding: it must be repaid before taking on another.

Documents that may be required

  • Identity document and proof of address.
  • Last three payslips or financial statements.
  • Bank statements for the last three months.
  • Quote, agreement or invoice tied to the funded project.
  • Amortisation schedule of existing loans.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about loans

Does a simulation mean approval?
No. A simulation is purely indicative and does not prejudge the decision taken after review.
How long until an answer?
An in-principle answer comes quickly; the final offer requires a complete file and a statutory cooling-off period.
Can I repay early?
Yes, under the conditions set in the contract. Early repayment reduces the total interest cost.
What if I run into difficulty?
Report the situation as early as possible: deferral or restructuring can be considered.
Is the displayed rate final?
The rates shown in this mock-up are fictional and serve only as an educational illustration.
See the general FAQ
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An indicative simulation in seconds, then a full review if you wish.

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