By default, you will repay Defacto by direct debit for the repayment of your loans and Defacto invoices.

Defacto will initiate the direct debit two working days before the due date so that the amount due is debited directly from your bank account on the due date. Please ensure that you have sufficient funds in your account 2 working days before the scheduled debit date.

We will remind you of all upcoming repayments a week before.

You can choose the new early repayment date directly from your account.

When you see the notification "debit in progress" or the Nominal Repayment payment is noted as "initiated" or "in progress" in the Payments tab, the repayment is in progress and can no longer be changed.

👉 Please follow the procedure here

It is not possible to change the due date of the loan but, under certain conditions, we can postpone the direct debit date. Any loan repaid after the due date is considered late.

👉 Please note the penalties and the procedure for postponing the direct debit date

If our first Direct Debit failed, we do not reprogram another one.

Please repay by bank transfer as soon as possible to avoid any late payment consequences.

You can find Defacto's IBAN in the Repayment tab of the loan you wish to repay, or using the Repay now button and choosing "Pay by bank transfer".

Unfortunately, it is not possible to repay in instalments. All loans must be repaid in a single payment on the due date.

Interest is not debited when you repay your loan; it is debited by Direct Debit the following month when your invoice is issued.

If you repay us both the loan nominal and the fees at the same time, unfortunately we will have to return the payment of the fees and direct debit them after our invoice is issued.

👉 Find out more about the direct debit of your fees

In the case where repayment is planned by standard bank transfer (for amounts exceeding €70K), you must repay by bank transfer.