About
Access to credit, without the sales detour
OPTIMA FINANCE aims to make access to credit easier while offering personalized support. We believe that every project, big or small, deserves to be backed by clear and accessible financial solutions. Whether you’re looking to finance the purchase of a car, carry out home renovations, or consolidate existing loans, we are committed to offering you the solution that meets your needs.
- Worked out openly
- The instalment, the total interest and the total cost stand side by side before anything is signed.
- Intermediary, not a lender
- OPTIMA FINANCE arranges and presents your file. It does not lend its own funds.
- One person in charge
- The same person follows your file from the first calculation to the signature — no queue, no changing contacts.
How it works
Four moments, and you know where you stand
- 1 You work out the figure The calculator gives the instalment, the total interest and the total cost side by side. Nothing is sent, nothing is kept.
- 2 You file a request An identity document is enough to start. The full schedule reaches your inbox straight away.
- 3 We examine the file A first reply within 24 hours, then the review within two working days once the documents are complete.
- 4 We present it to lenders We put your file to the lenders we approach. The decision is theirs; what we owe you is a file properly prepared.
Where we stop
What we do not do
The funds come from the lender who accepts your file. OPTIMA FINANCE arranges and presents it.
No figure on this site is an agreement. An estimate is not a promise.
Your papers go to the lenders approached, and nowhere else. Never to an advertiser.
In plain figures
What you can check for yourself
Every one of these appears somewhere on this site, in the form or in the schedule we send. None of them is a claim you have to take on trust.
Calculate now- Loan Amount
- 100 – 500.000 EUR
- Term
- 1 – 500 Months
- Interest Rate
- 6,49 %
- Languages
- 2
- Documents to provide
- One, the second is optional
- Cost of a request
- None