SmartLoanTransfer is committed to full transparency. Please read these terms carefully before applying.
By accessing the SmartLoanTransfer website or submitting a loan application, you agree to be bound by these Terms and Conditions in their entirety. If you do not agree to these terms, please do not use our services. These Terms constitute a legally binding agreement between you (the "Borrower") and SmartLoanTransfer ("the Company").
To be eligible for a loan, applicants must: (a) be at least 18 years of age; (b) reside in one of our 25+ European partner countries; (c) provide a valid government-issued photo ID; (d) provide verifiable proof of income; and (e) sign and return the Loan Agreement as provided by the Company. The Company reserves the right to request additional documentation at its discretion.
All loans are offered at a fixed annual interest rate of 3%, applied consistently across all loan products and amounts. Loan amounts range from €1,500 to €425,000. Repayment periods range from 12 to 300 months. The precise monthly payment is determined by the loan amount, the term selected, and the standard amortization method. All terms are clearly specified in the Loan Agreement.
The Loan Agreement is the primary binding document governing the loan relationship. No funds will be disbursed until the Borrower has reviewed, signed, and returned the Loan Agreement. The Agreement details the loan amount, interest rate, repayment schedule, early-repayment conditions, default provisions, and both parties' rights and obligations. The Borrower is encouraged to read the Agreement carefully and seek independent legal advice if required.
Borrowers are obligated to make monthly repayments on the agreed date specified in the Loan Agreement. Failure to make timely payments may result in: (a) late-payment notifications; (b) additional interest accrual; (c) negative reporting to credit reference agencies; and (d) legal action to recover outstanding amounts. We encourage borrowers experiencing financial difficulty to contact their advisor immediately to discuss restructuring options.
We are fully compliant with the EU General Data Protection Regulation (GDPR). We collect only the personal data necessary to process your loan application, store it securely using AES-256 encryption, never sell it to third parties, and retain it only for the legally required duration. Full details are available in our Privacy Policy.
SmartLoanTransfer operates in full compliance with European Union financial regulations, including the EU Consumer Credit Directive, Anti-Money Laundering (AML) Directives, and all applicable national financial laws in our operating countries. All loan products are designed to meet responsible-lending standards as defined by EU regulatory frameworks.
SmartLoanTransfer shall not be held liable for: (a) losses arising from the Borrower's use of loan funds; (b) indirect or consequential damages; or (c) technical interruptions to our digital services. Our total liability to any Borrower shall not exceed the total fees paid in connection with the relevant loan product.
For full transparency, SmartLoanTransfer is registered with the following details (source: Insee, updated 04/06/2026):
These Terms and Conditions were last updated on 1 May 2026. For questions, contact our Legal Department at legal@smartloantransfer.eu.