Frequently asked questions

STK Finanzen is a financial services company specialized in advisory and loan origination. Founded in 2010, we support individuals and professionals in realizing their projects through tailored financing solutions.

Our mission is to make credit accessible to everyone by offering transparent conditions and personalized support.

Our offices are open:

• Monday to Friday: 9:00 AM - 6:00 PM
• Saturday: 9:00 AM - 12:30 PM
• Sunday: Closed

Our customer service is also available by phone and email during these hours.

Yes, STK Finanzen is a licensed and regulated company by French financial authorities. We strictly comply with all applicable credit and consumer protection regulations.

Our registration number is available upon request and appears on all our contractual documents.

The maximum amount depends on the type of loan and your situation:

• Personal loan: up to 75,000 EUR
• Mortgage loan: up to 100% of the project
• Business credit: up to 500,000 EUR
• Auto financing: up to 80,000 EUR

These amounts are indicative and subject to file review.

Our rates vary depending on the type of loan, duration, and your profile:

• Personal loan: from 3.9%
• Mortgage loan: from 2.5%
• Auto financing: from 2.9%
• Business credit: from 3.2%

These rates are indicative and subject to market conditions.

Yes, early repayment is possible on all our loans. The conditions are as follows:

• Early repayment fee: 1% of outstanding capital (up to 6 months of interest)
• Processing time: 15 business days
• Minimum amount: 1,000 EUR

We recommend contacting us for a personalized simulation.

The maximum term depends on the type of loan:

• Personal loan: up to 7 years
• Mortgage loan: up to 25 years
• Auto financing: up to 7 years
• Business credit: up to 10 years

The term is adapted to your repayment capacity and the nature of your project.

Review times vary depending on the type of loan:

• Personal loan: 48 hours on average
• Mortgage loan: 5 to 10 business days
• Business credit: 3 to 7 business days
• Auto financing: 24 to 48 hours

These times can be reduced if your file is complete.

Our acceptance rate is approximately 85% for complete files. We review each application carefully and propose adapted solutions even when the profile does not perfectly match standard criteria.

Our goal is to find a solution for every project, even if it means offering adjustments (different term, adjusted amount, etc.).

Yes, our online simulator lets you estimate your monthly payments based on the amount, term, and rate desired. This simulation is:

• Free and non-binding
• Available 24/7
• Customizable according to your needs
• Accurate and reliable

Visit our homepage to use our simulator.

Required documents depend on the type of loan:

For individuals:

• Identity document
• Proof of address
• Last 3 pay slips
• Tax notice

For businesses:

• KBIS extract less than 3 months old
• Annual accounts for the last 3 years
• Recent dashboard
• Business plan (for creation)

Yes, you can send your documents by email to documents@stk-finanzen.com. To ensure data security:

• Use standard formats (PDF, JPG, PNG)
• Check document readability
• Do not exceed 10 MB per email
• Include your name and file number

We process your documents within 24 business hours.

Absolutely. The security of your personal data is our priority:

• SSL encryption for all exchanges
• Secure storage compliant with GDPR
• Restricted access to sensitive data
• Strict privacy policy

Your documents are destroyed after the end of our contractual relationship, in accordance with regulations.