I needed to finance the purchase of a car to get to work — my old Clio had died one Monday morning. I filled out the form one evening after my shift, and three days later the funds were in my account. I never thought it would be this simple. Thanks to the entire Zechio ® team.

Marie Dupont

France

I was looking to finance equipment for my workshop — a sliding table saw that I had been eyeing for two years. My usual bank asked me for a three-week delay. At Zechio ®, everything was resolved within 48 hours. The advisor I spoke to on the phone really knew his subject. I recommend without hesitation.

Jean-Paul Moreau

Belgium

My file was not simple: I am an expatriate and my income comes from two different countries. Zechio ® took the time to analyze it properly instead of automatically dismissing it like others had done. Four stars because I would have liked more updates during the wait.

Sofia Andreescu

Romania

I managed five loans at the same time — two consumer loans, a real estate loan, a vehicle leasing and a cash line. The mental load was exhausting. The credit buyback offered by Zechio ® allowed me to combine everything into a single monthly payment, reduced by almost 40%. I breathe again.

Laurent Benoit

Luxembourg

I was preparing my master's degree in Paris and my savings were no longer enough to cover rent and tuition fees simultaneously. The student loan was granted to me without collateral, which I was not expecting. I was able to finish my year peacefully.

Amina Konaté

Senegal

At 71, I wanted to renovate my bathroom for accessibility reasons related to my knee. Several establishments refused, citing my age. Zechio ® looked at my pension, deemed my file solid, and granted the work loan. Four stars because the online interface was a bit complex for me at first.

Gérard Lambert

France

As a freelancer, obtaining credit has always been an obstacle course. Banks want pay slips, not balance sheets. Zechio ® analyzed my turnover over 12 months and granted the loan without asking the impossible. I was able to invest in a new work setup and double my productivity.

Karim Benzara

Morocco

Following water damage in my apartment, I needed to finance urgent repairs while waiting for reimbursement from my insurance. Zechio ® treated my request as a priority, the advisor understood the urgency from the first call. Funds were available in less than 48 hours.

Isabelle Courtois

France

I needed a lease to finance expensive measuring equipment for my design office. The arrangement of the contract was clean, the conditions transparent, no hidden clauses. I'm only removing one star because the email signature was glitchy the first time and I had to start over.

Thomas Reber

Swiss

I wanted to open a small healthcare practice in my neighborhood. No one around me believed in this project. Zechio ® yes. The professional loan allowed me to purchase the basic equipment and sign the lease. Today the office is doing well. It's more than a financial service, it's trust.

Fatou Mbaye

Senegal

I had lost all my photo equipment during a theft during a report. The insurance only covered part. Zechio ® granted me consumer credit in 36 hours. I was able to buy what I needed and honor all my customer commitments.

Nadia Ferrara

Italy

Agricultural financing is a world apart. I needed credit to renew part of my vats before the harvest. Zechio ® demonstrated remarkable responsiveness. The advisor took the time to understand my activity cycle and offered me a schedule adapted to my seasonal income.

Pierre-Yves Gautier

France

My husband and I had found the ideal house but our contribution was short by a few thousand euros. Zechio ® granted us additional funding in a few days, which allowed us not to miss this opportunity. We just moved in three weeks ago. This is our home, finally.

Céline Marchand

France

I manage a grocery store and needed to restock my inventory before the holidays. My local banker told me no without even looking at my balance sheet. Zechio ® studied my account statements and granted the loan within 72 hours. The holidays went well, the stock turned over, and I repaid without difficulty.

Ibrahim Diallo

Guinea

I opened my practice two years ago and needed to finance an electric treatment table and pressotherapy equipment. Medical equipment is expensive. Zechio ® offered a well-suited lease. Four stars because I would have liked more regular follow-up after signing.

Anna Kowalski

Poland

In the middle of construction, a client paid me two months late and I found myself short of cash to pay my subcontractors. Zechio ® granted me a rapid advance which saved me from a breakdown in construction. Stressful situation handled professionally. I'll keep them in touch for next time.

Mehdi Oussama

Algeria

I needed a new Mac Pro to meet more demanding motion design contracts. Impossible to advance €4,000 at once. The consumer credit of Zechio ® allowed me to spread over 18 months with very bearable monthly payments. The investment paid off in two months of missions.

Lucie Fontaine

France

My van broke down on a Wednesday morning. Without a vehicle, no work. I needed to act quickly. Zechio ® processed my request urgently and I had the funds by Friday. I was able to purchase a replacement vehicle over the weekend and resume my deliveries on Monday. Four stars for a few small administrative hiccups.

Rodrigo Vasconcelos

Portugal

I started my afro hair salon with the help of Zechio ®. The professional loan allowed me to rent the premises, buy the equipment and pay the first months of charges. Today I have two employees and a loyal clientele. I often say that Zechio ® is the silent partner of my success.

Esther Ngozi

Nigeria

I often advise my clients on alternative financing solutions. I wanted to test Zechio ® personally for a rental real estate project. The process is rigorous, the documents requested are consistent, and the APR displayed corresponds to what is applied. No bad surprises. This is what we expect from a serious establishment.

Marc-Antoine Perrin

France

I opened a restaurant in Lyon a year ago. The beginnings were difficult and I needed financing to renew my professional kitchen. Zechio ® understood the specifics of the restoration. The monthly payments were timed to my off-peak period. Four stars because the Japanese translation of the site could have been better.

Yuki Tanaka

Japan

I had been living in France for three years with a valid residence permit but no bank wanted to lend me to finance my driving license and a second-hand vehicle. Zechio ® looked at my real situation: permanent contract, stable income, no debt. The loan was granted without discrimination. Finally, an establishment that judges files objectively.

Valentina Cruz

Colombia

Agricultural financing usually goes through Crédit Agricole, but their deadlines did not correspond to my urgency. I had an opportunity to buy back plots that couldn't wait. Zechio ® processed the file quickly. The plot is bought, the harvest is good. Four stars because I would have liked a contact person dedicated to the agricultural sector.

Olivier Despretz

France

I work in a maternity ward and I wanted to finance additional training in neonatology in Bordeaux. Training, travel and accommodation costs represented a significant amount. Zechio ® granted me a suitable personal loan. I validated my training with honors. This investment changed my professional practice.

Aïcha Traoré

Mali