Getting credit without refusal: the reality
A 100% guaranteed "credit without refusal" does not legally exist. However, there are solutions to maximize your chances of immediate acceptance.
How to maximize your chances of approval?
To avoid an automatic refusal, it is crucial to present a healthy file. The key lies in the balance between your income and expenses.
Virxyd uses considerate analysis algorithms that take your whole situation into account, not only your employment contract.
Criteria that support acceptance
- Stability: Seniority in your housing or job.
- Repayment capacity: A debt ratio below 35%.
- Transparency: Provide accurate information from the first form.
Statistics and profiles
According to our internal studies, some profiles significantly increase the chances of obtaining a favorable opinion:
- Borrowing as two people (co-borrower) increases chances by 55%.
- Having a contribution or precautionary savings.
- Having no bank incidents (rejected debits) in the last 3 months.
Check your eligibility for free
Our simulator gives you a decision in principle with no commitment and no impact on your credit score.
