Our Process.
A modern financial analysis protocol that gives you an immediate response. Transparent, secure, and fully digital.
Beyond traditional banking criteria.
24h
Response
Behavioral analysis
We analyze your actual repayment capacity, not just your professional status. Entrepreneurs, freelancers, and employees are treated equally.
Absolute transparency
The displayed rate is the applied rate. No hidden fees, no surprises. Our technology allows us to reduce costs and pass the savings on to you.
Cutting-edge technology
Our proprietary algorithm replaces weeks of waiting at the bank with an instant response, while ensuring maximum security.
5 steps to get your financing.
Project setup
Use our smart simulator to precisely define the amount and duration. The 3% APR is locked in at this stage, with no possibility of later modification.
Express application submission
Short 3-minute form. Upload your supporting documents directly via our secure interface (256-bit SSL). Everything is end-to-end encrypted.
- Identity document
- Proof of residence
- Proof of income (last 3)
AI Cognitive Analysis
Our proprietary algorithm analyzes 200+ financial criteria in real-time: recurring income, stability, debt ratio, and banking behavior. The evaluation takes less than 5 minutes.
Our AI does not discriminate based on employment status (permanent/temp/freelance). Only your actual repayment capacity matters.
Immediate response
If your profile is approved, you instantly receive your loan agreement by email and SMS. Otherwise, we offer suitable alternatives (adjusted amount, modified duration).
92%
Approval rate
< 5min
Average time
Signature & SEPA transfer
Sign electronically via SMS code (eIDAS compliant). The SEPA transfer is triggered automatically. Receipt of funds within 24h to 48h maximum depending on your bank.
Bank-level security
256-bit SSL encryption + Strong authentication
Why 50,000+ clients trust us.
Rate locked for life
The 3% APR is contractually guaranteed for the entire duration of the loan. No revision clause, even in case of ECB policy rate hikes.
Free early repayment
You can settle your credit at any time, partially or in full, without any penalty or fee. No unfair clauses.
Premium customer service
Dedicated team available 6 days a week by phone, email, and chat. Your personal advisor follows your file from A to Z. Guaranteed response within 2 hours.
Calculate your
monthly payment live.
Adjust the amount and duration to get an immediate estimate. No commitment, no personal data required.
3,00%
Fixed APR
24h
Payout
300
Max months
* Indicative simulation excluding insurance. Fixed APR 3.00%. Subject to approval.
The financial partner that understands your ambitions.
At STABILYS GRUP, we redefine the credit experience by combining the agility of modern technology with the solidity of a trusted financial institution. Founded on the belief that financing should be a lever and not a brake, we have eliminated the complexity and endless delays of traditional banks.
Our Smart-Scoring algorithm allows us to analyze your profile fairly and transparently. Whether you want to finance a vehicle, carry out a real estate project, deal with a medical emergency or develop your business, we support you with a single objective: the rapid release of your funds.
Guaranteed fixed rates, a 100% digital procedure, and a dedicated team to make your projects a reality.
15k+
Financed projects
4.9/5
Customer satisfaction
100%
Secure & Digital
Your data 100% protected.
256-bit SSL
Military-grade encryption
GDPR Certified
Full compliance with the General Data Protection Regulation. Your information is never sold to third parties. Right to be forgotten guaranteed.
ACPR Approval
We are regulated by the Prudential Supervision and Resolution Authority (Bank of France). Mandatory quarterly audits.
Certified electronic signature
Compliant with the European eIDAS regulation. Legal value equivalent to a handwritten signature before a notary.
Our banking infrastructure is hosted on Tier 4 redundant servers, guaranteeing 99.99% uptime. Real-time backup across 3 European datacenters.
Frequently Asked Questions.
Your project deserves
the best financing.
Complete your application in 2 minutes. Receive an instant preliminary approval. Funds available within 24 hours.
