MASTERKREDIT
Background – FAQ

Customer Service Center

Clear and transparent answers to all your questions.

General questions

Everything about our organization and the conditions of participation.

Our offers are aimed at all natural persons of legal age with full legal capacity and tax residence in the country. We accept employees, civil servants, freelancers, pensioners and job seekers, provided they can prove sufficient ability to repay.

We cover a wide range of needs: vehicle purchases, renovations, cash flow needs, weddings, travel, college, medical expenses and debt consolidation. Illegal or unethical projects are excluded.

Yes. We take into account the continuity and regularity of income in recent months and not just the type of employment contract. Regular employment, even temporary, is completely suitable.

We work 100% online, reducing administrative costs. This allows us to offer lower interest rates, instant answers and fast credits - without the bureaucratic hassle of traditional banks.

Yes, this is possible, provided that the overall debt ratio remains acceptable and there are no defaults or late payments on the first financing.

Application process

Documents, deadlines and processing of the application.

The most necessary: ​​a valid ID (identity card or passport) and an direct deposit info for the transfer. For large amounts (>$3,000), current proof of residence (not older than 3 months) may be required.

No. Thanks to our advanced credit check algorithm, we do not generally require pay slips, which significantly speeds up the processing of the application.

Immediately after filling out the form you will receive a preliminary result. The final confirmation and issuance of the contract will take place within 24 working hours.

The entire process is done digitally. You will receive the contract by email and can sign it using an OTP security code sent via SMS, which has the same legal validity as a handwritten signature.

Yes. You can withdraw without any costs until the contract is signed. After signing, you have the statutory right of withdrawal of 14 days to cancel the loan without paying any penalties.

You will receive updates via email and SMS at every stage (receipt, verification, approval, withdrawal). You can also contact customer service using the transaction number.

Costs, Fees and Refunds

Everything about the economic and financial aspects of your loan.

All of our personal loans have fixed interest rates. The interest rate specified in the contract remains unchanged throughout the life of the loan, which protects you from market fluctuations.

No, transparency is our top principle. There are no hidden costs: the total amount shown in the simulation includes all interest due.

The first installment is usually debited 30 days after the amount has been credited. The debit date (on the 5th, 10th or 15th of the month) can be agreed upon when concluding the contract.

Yes, according to legal regulations, you can repay the loan in whole or in part at any time without incurring a prepayment penalty for a consumer loan.

If unforeseen events occur, please contact us immediately: we can then consider suspending or deferring the rate. Without appropriate notification, late payment interest may apply.

No, it is voluntary for personal loans, but is strongly recommended to ensure payment of installments in the event of serious events, disability or job loss.

Security and personal data

Data protection and transaction security.

Yes. The platform uses the HTTPS protocol and 256-bit SSL encryption, ensuring the same security and reliability standards used by leading banking institutions.

Your data will only be used to process your request and execute the contract, in full compliance with the PIPEDA on secure European servers.

Absolutely not. We do not share or sell your contact information to third parties or marketing agencies. Protecting your privacy is our top priority.

You have the right to access, correct or request deletion of your data by sending a simple request to our data protection officer (DPO) using the contact form.

Yes, we work with providers who are certified according to the European eIDAS standard. The signed documents have the same legal validity as a signature on paper.

If you suspect that you have been a victim of identity theft or receive suspicious emails on our behalf, please contact our security team immediately at the address provided in the legal notice.

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