Elantis S.A. review

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

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Our verdict

Elantis is a Belgian direct lender worth a look if you want a fixed rate personal loan with no dossier fee. It suits Belgian residents with a Belgian bank account, and its 12% sits at the 12% site median for borrowers who value predictable payments.

Key facts

Best for
A fixed rate personal loan in Belgium with no arrangement fee.
APR
12% (Source, checked September 26, 2026)
Loan amount
€5,601 to €20,000 (Source, checked September 26, 2026)
Term
42 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR - no dossier fee charged on a personal loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 48h after Elantis receives the complete application file; decision by email within 24h (Source, checked September 26, 2026)
Representative example
Personal loan: TAEG 12% (fixed annual rate 12%) on EUR 5,601 over 42 months, 42 payments, monthly payment EUR 162.31, total repayable EUR 6,817.02 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Belgian resident aged 18 to 64, valid identity card, bank account in Belgium, regular income, not registered at the National Bank of Belgium credit register, private non-professional purpose only (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Elantis SA (RPM-TVA BE 0404.228.296) (Source, checked September 26, 2026)
Headquarters
Belgium (Source, checked September 26, 2026)
Founded
1883 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
elantis.be

Mortgages

Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Elantis SA (RPM-TVA BE 0404.228.296) (Source, checked September 26, 2026)
Headquarters
Belgium (Source, checked September 26, 2026)
Founded
1883 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • No dossier fee on personal loans: 0 EUR - no dossier fee charged on a personal loan
  • Fixed rate pricing of 12%, so payments stay predictable
  • Borrowing runs €5,601 to €20,000 with terms of 42 to 84
  • Direct lender rather than a broker, so you deal with one party

Cons

  • Loans start above a small emergency sum, at €5,601 to €20,000
  • Eligibility rules out anyone registered at the National Bank of Belgium credit register
  • A hard credit check applies, so a decline leaves a mark
Elantis S.A.

Ready to try Elantis S.A.?

Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Belgian residents with regular income and a Belgian bank account
  • Borrowers planning home improvement spending rather than everyday costs
  • Anyone who prefers a fixed rate to a rate that moves

Who should look elsewhere

  • People needing a small top up, since €5,601 to €20,000 sets a high floor
  • Borrowers with a registration at the National Bank of Belgium credit register
  • Those wanting a variable rate, as Elantis prices at fixed

Where it sits among rivals

Elantis is a small name in a crowded lending market. On borrowing size it ranks 133 of 685 brands, and on the annual percentage rate it sits at 179 of 350. That middle ground matters: the rate is competitive rather than a standout deal, and the lending range is wide enough for a planned project.

Who runs it

The lender is Elantis SA (RPM-TVA BE 0404.228.296), based in Belgium and operating as a direct lender rather than a middleman. It has been trading since 1883, so the name carries real history in Belgian credit. You can reach it through email, phone and help centre, which covers phone, email and a help centre.

How Elantis S.A. compares

Where Elantis S.A. is available

Available
Belgium
Licence in Belgium
SPF Economie, PME, Classes moyennes & Energie - Direction de l'Inspection Economique (Economic Inspection), checked September 26, 2026

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

Frequently asked questions

What rate does Elantis charge on a personal loan?+

Personal loans are priced at a fixed rate of 12%, with the rate held steady for the life of the loan. The representative example shows a fixed annual rate of 12% on a loan repaid over 42 to 84.

Is there an arrangement fee to pay?+

No dossier fee is charged on a personal loan, so the arrangement fee is 0 EUR - no dossier fee charged on a personal loan. The fee percentage is 0%, which means no separate charge is added on top of the interest.

How much can I borrow and over what period?+

Borrowing runs €5,601 to €20,000 and terms run 42 to 84, a range built for a planned expense such as a renovation or a car rather than an emergency top up. The floor on the amount sits well above what everyday short-term needs call for, so check the figure against your project before you apply.

What checks do I have to pass to be accepted?+

Applicants must be adults, live in Belgium, hold a valid identity card, have a bank account in Belgium and have regular income. You also must not be registered at the National Bank of Belgium credit register, and the loan is for private, non-professional purposes only.

Is my money safe with this lender?+

Elantis is a direct lender registered in Belgium and inspected by the SPF Economie, PME, Classes moyennes & Energie, Direction de l'Inspection Economique. It is a long established name, trading since 1883, rather than an anonymous intermediary.

How quickly does a loan arrive?+

Funding follows a complete file: once Elantis has everything, the payout lands within a short window and the decision comes by email ahead of it. While you wait, the standing of the lender can be checked, since it trades as a direct lender in BE and has done so since 1883.

What kinds of loan does Elantis offer?+

Elantis covers personal, car and secured borrowing, and home improvement is the named use case. Pricing is fixed rather than variable, so fixed rate covers the personal loan book in full. Borrowing for a car or a secured plan through the same bank is the practical reason to compare it with rivals.

Who can I contact for help?+

Support runs through email, phone and help centre, so you get phone, email and a help centre rather than one narrow route. That suits borrowers who want to talk the decision through with a person, and the help centre carries the answers to the eligibility questions before you apply.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Elantis S.A.

Elantis S.A.

A fixed rate personal loan in Belgium with no arrangement fee.

9.4/10See alternatives

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