Frequently Asked Questions

Vesta Capitale is a licensed financial institution providing personal loans, debt consolidation, and home improvement loans since 2014.

Yes, we are fully licensed and regulated, operating in compliance with all financial regulations.

We serve customers through our online platform.

You can reach our customer service team by email at info@vestacapitale.com, or through our online contact form.

You must be at least 18 years old, a legal resident, have a valid bank account, and meet our credit and income requirements.

We consider applications from various credit backgrounds. Minimum requirements vary by loan type, typically starting from 600 for personal loans.

You need to demonstrate stable income through employment, self-employment, or other verifiable sources that can support loan repayment.

We serve residents who meet our eligibility criteria.

Yes, self-employed individuals can apply. We require additional documentation to verify income stability.

Our online application takes about 10-15 minutes to complete. Most decisions are made within 24 hours.

You'll need government-issued ID, proof of income (pay stubs, tax returns), and bank account information.

Most applications are approved within 24 hours. Some may be approved even faster.

Once approved and documents are signed, funds are typically deposited within 1-2 business days.

Yes, we perform a credit check as part of our application process to assess creditworthiness.

Our rates start from 3.5% APR and vary based on credit profile, loan amount, and term. Better credit typically means lower rates.

We charge an origination fee (1-5%), late payment fee (€25), and NSF fee (€45). There are no hidden fees or prepayment penalties.

No, you can pay off your loan early without any prepayment penalties, which can save you money on interest.

A €25 late fee may apply. We recommend contacting us immediately if you anticipate payment difficulties to discuss options.

APR includes the interest rate plus any fees, giving you the true annual cost of borrowing.

We use 256-bit SSL encryption, secure data storage, and strict access controls to protect your information.

We follow PIPEDA guidelines and only use your data for loan processing. We never sell your information to third parties.

Yes, our website uses 256-bit SSL encryption to protect all data transmissions between your browser and our servers.

We only share information with authorized partners as required for loan processing and regulatory compliance.

Contact our customer service team first. If unresolved, you can escalate to our compliance department or relevant regulatory bodies.