We require that you demonstrate a regular and sufficient source of income to repay the loan, usually verified through pay stubs or other financial documents.

We assess your ability to repay the loan based on your disposable income after paying all your monthly expenses, including other debts.

Efin-Expert has its own specific criteria and requirements depending on the type of credit requested, the purpose of the loan and the internal policies of our credit company.

In some cases, collateral such as assets or property may be required to secure the loan and provide additional insurance in the event of default.