Credafin review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credafin suits Belgian borrowers with a regular income who want an intermediary for a personal, car, student or consolidation loan rather than a direct lender. Fees stay modest, with an origination fee of 0 EUR, free early repayment and funding Within 48 hours after contract signature and bank validation after signature.

Key facts

Best for
Belgian borrowers wanting a fixed-rate personal or consolidation loan with an origination fee of 0 EUR.
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 48 hours after contract signature and bank validation (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 18 years old, regular income, resident in Belgium, not registered in the BNB national payment incidents file (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credafin SPRL (Source, checked September 26, 2026)
Headquarters
Belgium (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
credafin.be

Pros and cons

Pros

  • Origination fee of 0 EUR on personal loans, plus free early repayment
  • Fixed rate model, fixed rate, across terms of 12 to 84
  • Funding Within 48 hours after contract signature and bank validation once the contract is signed and the bank has validated
  • A wider range than a single-purpose lender, covering personal, debt consolidation and car with home improvement also listed

Cons

  • Credit check is hard, hard, so the search is recorded on your file
  • Support runs on email and phone only, with no live chat among the listed routes
  • As a broker, the offer and the lender come from a partner rather than from Credafin itself
Credafin

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Belgian residents with a regular income who can pass a hard credit check
  • Borrowers consolidating debts, or covering car, study or home improvement costs
  • People who expect to repay early and want to do it at no extra cost

Who should look elsewhere

  • Borrowers wanting a gentler first look, since Cashspace ES runs a soft prequal where Credafin uses a hard
  • Anyone recorded in the BNB national payment incidents file, which eligibility rules out
  • People after a very short window, since Cashspace runs terms of 2 to 4 against 12 to 84 here

Safety and regulation

Credafin sits between borrowers and lenders as a broker, so an application reaches a partner lender rather than being funded by Credafin itself. It is registered with the SPF Economie as a consumer credit intermediary under 0665.876.096, and with the FSMA as a CBFA insurance intermediary under 0665.876.096 / 115899 A. Both registrations sit in Belgium.

How Credafin compares

Where Credafin is available

Available
Belgium
Licence in Belgium
SPF Economie (consumer credit intermediary) (0665.876.096), checked September 26, 2026
Licence in Belgium
FSMA (CBFA, insurance intermediary) (0665.876.096 / 115899 A), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Credafin charge to arrange a personal loan?+

The origination fee is 0 EUR, and early repayment carries no extra charge. That leaves interest as the main cost of a loan, so the fixed rate on fixed rate loans is the figure worth comparing across lenders.

How quickly does money arrive after applying?+

Funding happens Within 48 hours after contract signature and bank validation. The clock starts once you have signed the contract and your bank has validated the details, so the payout follows a contract step rather than an instant decision, and it is worth asking how quickly your bank completes validation.

What credit check does Credafin run, and does it stay on your record?+

The check is hard, hard, so the search is recorded rather than a soft prequalification. Reading your own file before applying can surface errors in advance, and a recorded search is worth keeping to a single attempt where possible.

How long can a Credafin loan run, and is the rate fixed?+

Terms run 12 to 84, and the model is fixed rate with a fixed rate type. A fixed rate means the monthly amount does not shift with market rates, so budgeting is steadier than with a variable loan of the same length.

Who can apply for a loan through Credafin?+

Eligibility asks for a minimum age, a regular income, residence in Belgium, and no registration in the BNB national payment incidents file. Applicants also face the hard check, so a record in that file rules an application out before any offer is made.

Is Credafin a lender, and what kinds of loan does it arrange?+

It is a broker, so the loan comes from a partner rather than from Credafin directly. The ranges cover personal, debt consolidation and car, with home improvement also listed, which spans borrowing for a car, study, debt consolidation or a home project.

Is Credafin regulated?+

It is registered with the SPF Economie as a consumer credit intermediary under 0665.876.096, and with the FSMA as a CBFA insurance intermediary under 0665.876.096 / 115899 A. Both registrations are in Belgium, where the legal entity is Credafin SPRL.

How can I contact Credafin once I have applied?+

Support runs on email and phone, so email and phone are the listed routes, and phone suits anything time sensitive around a signature. Live chat is not among those channels, so plan around email or a call.

Sources

  • credafin.be/en/credafin-loans checked September 26, 2026

    Backs: Use cases

    “Home Renovation Loan: Remodel Your House with Credafin!”

  • credafin.be/en/personal-loan checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Funding time, Legal entity, Pricing model, Support channels, Term, Licences

    “To apply for a personal loan, you must be at least 18 years old, earn regular income, reside in Belgium, and not be listed in the national payment incidents file of the National Bank of Belgium.”

  • credafin.be/en/who-are-we checked September 26, 2026

    Backs: Headquarters, Lender type, Loan types, Arrangement fee

    “SPRL Credafin, Headquarters: Avenue de Tervueren 66/4, 1040 Brussels, Business number: BE 0665.876.096”

  • credafin.be/pret-personnel checked September 26, 2026

    Backs: Rate type

    “Emprunter à taux d'intérêt fixe”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Representative example.

Credafin

Credafin

Belgian borrowers wanting a fixed-rate personal or consolidation loan with an origination fee of 0 EUR.

8.8/10See alternatives

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