The Credit section is accessible via web and mobile app to Qonto account Admins and Owners.
This section lets you discover our financing products and those offered by our partners, explore and access financing options that empower your business. You'll find our financing products in the "Credit" tab, and those of our partners in the "Partner offers" tab. Learn more about the various types of financing here.
What is the purpose of the Credit section?
The Credit section gives you access to financing solutions offered directly by Qonto, as well as a selection of partners meeting the needs of small and medium-sized businesses.
On the Qonto side, you can activate:
- Pay Later, to pay your invoices in instalments.
- Overdraft, for additional cash flow.
- Credit Card, to postpone the debit of your card payments.
As you browse the section, you'll also find various offers from each of our partners.
If you have questions about your eligibility or if you'd like to track the status of your requests with partners, we recommend contacting them directly. By clicking on one of the offers, you'll find the Resources and About subsections. These contain FAQ articles dedicated to the types of financing and to our partners' offers.
⚠️ Important: Qonto does not endorse any particular offer and does not guarantee loan approval. You should select a partner based on your borrowing needs and their eligibility criteria. Qonto is not responsible for any losses you may incur after obtaining a loan, and plays no role in the subscription or credit evaluation process of financial partners.
Is my organization eligible?
What you're actually eligible for depends on which financing option you're looking at:
- For Qonto's own products (Pay Later, Overdraft, Credit Card), eligibility is assessed automatically based on your account's activity and is reviewed regularly.
- For partner offers, eligibility criteria vary by partner and can include your length of time with Qonto, location, revenue, commercial history, and more.
To check your eligibility for a specific partner offer, go to the Partner offers section and review the partner's dedicated page.
Why should I apply through Qonto - and not directly on the partner website?
Apply to financing partners through Qonto in order to:
🤖 Have a seamless application experience. Less manual typing! Applying through Qonto reduces tedious work. Our integration automatically pre-fills some of the information into your application.
🦘Skip application steps. Thanks to our integration, partners have agreed to remove duplicate data entry as part of their application process. Finish your financing application quickly, so you can get back to your business.
⛓️ Receive financing funds directly on Qonto. When you go through the Partner offers section, we automatically import your IBAN to your partner application. You can select which account you want to send your new cash to, but sending it to Qonto is a breeze!
💡 Good to know: Can’t find a partner for your financing needs? Take 2 minutes to tell us more about your needs with this form. We welcome suggestions!
What information is shared with partners?
Our partners require access to your Qonto data, which means you authorize them to review:
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Your contact details
Your business details linked to your Qonto account. For more information, click here. -
Your bank account and company details
The list and details of bank accounts on Qonto and company information. For more information, click here.
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Your transaction data
All incoming and outgoing transactions of a bank account linked to Qonto. For more information, click here.
💡Looking for something different? If none of these types of offers available through the Partner offers section fit your needs, Qonto offers three complementary short-term credit solutions, Overdraft, Credit Card, and Pay Later to help you manage cash flow and finance your business operations.