How it works
Discover how easy it is to get a loan with JMMC Finance d.o.o.: a clear, fast, and stress-free process.
Application Time
Fast Approval
Online Process
Video: How to apply for a loan in 3 simple steps
A simple and fast process
JMMC Finance d.o.o. has revolutionized the way you apply for a loan. We have eliminated unnecessary bureaucracy and reduced waiting times, making the entire process fast and completely digital.
Zero bureaucracy
No queues in offices, no paper documents to print and sign.
100% online
From application to signing, the entire process is done online comfortably from your home.
Fast response
Get approval in record time: within 24 hours of the complete application.
Total transparency
Clear conditions, no hidden fees, fixed and declared effective annual rate from the start.
The process in 4 simple steps
Here's how JMMC Finance d.o.o. works from application to funding disbursement.
Complete the form
Fill out our online form that only asks for essential information. Quick and easy, it takes less than 3 minutes.
- Basic personal information
- Details about your income
- Desired amount and term
Instant verification
Our system automatically analyzes your application and verifies approval criteria in real-time.
- Digital identity verification
- Quick solvency check
- Payment capacity assessment
Electronic signature
After approval, you will receive the contract for electronic signature with a simple click, no paper or documents to print.
- Contract sent by email
- Legally valid digital signature
- Step-by-step guide
Immediate disbursement
Funds are transferred directly to your bank account, often the same day or within 24 hours of signing.
- Secure bank transfer
- Disbursement notification by SMS
- Immediate fund availability
Required documents
We have also simplified the necessary documents. For a loan application, you only need the following basic documents:
Identity document
ID card, driving license, or valid passport.
Proof of income
Latest payslip or tax return (for self-employed).
Bank details
IBAN of your current account for disbursement and monthly payment collection.
Note: For certain types of loans, such as car or renovation loans, we might need additional specific documents like quotes or documents related to the asset being financed.
Simplified upload
You can upload your documents directly from your smartphone, tablet, or computer. We accept files in JPG, PNG, or PDF formats.
Your documents are protected by advanced encryption and are automatically deleted after processing.
Your loan timeline
Here is a chronological overview of your loan approval and repayment process.
Application
Complete the online application form and upload the required documents.
Approval
Verification of your data and application approval within 24 hours.
Contract signing
Electronic signing of contractual documents and loan confirmation.
Disbursement
Transfer of the amount to your current account within 24 hours of signing.
Repayment
Start of the repayment plan with monthly installments collected automatically.
Eligibility criteria
To be eligible for a loan with JMMC Finance d.o.o., you must meet these basic requirements:
Age
Between 18 and 75 years old
Residency
Residency in Slovenia
Income
Verifiable income (salary or pension)
Bank account
Slovenian bank account
Note: Even if you have had credit issues in the past, we evaluate each application individually. Contact us for personalized advice.
Approval rate
JMMC Finance d.o.o. approves most applications thanks to our innovative evaluation system that considers more factors than traditional banks.
Want to know if your loan will be approved?
Hear from our customers
Here's what customers who have already completed the process and received their loan say.
Miguel B.
"At first I was skeptical, but the process was really simple. I completed the application at 4:00 PM and the next day at 11:00 AM, the money was already in my account. Incredible!"
Lucía R.
"I tried different banks for a car loan, but they asked for too many guarantees. With JMMC Finance d.o.o., it was simple and fast. The advisor was very helpful."
Antonio E.
"I consolidated all my debts into a single payment and reduced my monthly payment by over 200 €. The process was clear and everything was explained in detail."
Frequently Asked Questions
Here are the answers to the most common questions about the loan application process.
How long does the whole process take?
The process is extremely fast:
- Completing the application: approximately 3 minutes
- Verification and approval: within 24 hours of application
- Digital signature: 5-10 minutes
- Disbursement: within 24 hours of signing
In many cases, it can take less than 48 hours between application and disbursement.
Do I have to go to an office to sign the documents?
No, the process is completely digital. Signing is done online through a simple and secure procedure:
- You will receive the contract by email
- Follow the instructions for electronic signature
- Confirm your identity with an OTP code sent to your phone
Electronic signature has the same legal value as traditional signature, but is much more convenient and faster.
How do you verify my identity online?
We use a secure and legally compliant identity verification process:
- Verification of the uploaded identity document
- Cross-verification with entered data
- Bank account verification
- In some cases, quick video identification
All of this is done automatically and quickly, with maximum security and respecting anti-money laundering regulations.
Can I apply for a loan if I have had credit issues in the past?
Yes, we evaluate each application individually:
- We consider your current situation, not just your past
- If you have had minor payment delays, this might not be a problem
- For more serious issues, we evaluate your current payment capacity
Our approval algorithm is more flexible than traditional institutions. Contact us for a personalized evaluation.
What happens if I have difficulty paying an installment?
We understand that temporary difficulties may arise:
- Contact us immediately in case of difficulties
- We can offer flexible solutions, such as deferring an installment (maximum once a year)
- For more serious difficulties, we evaluate a personalized payment plan together
Our priority is to help you manage your loan without stress. Quick communication is essential to find the best solution.
Have more questions about our process?
Ready to apply for your loan?
It only takes a few minutes to complete the application and receive your loan in 24-48 hours. Our process is secure, fast, and completely online.
