---
canonical: "https://www.softatlas.io/qonto/products/qonto-credit-solutions"
name: "Qonto Credit Solutions"
provider: "Qonto"
category: "Finance / Banking & Accounts / Business Credit & Lending"
review_count: 0
ai_powered: false
website: "https://qonto.com/en/financing"
updated: "2026-06-18"
---

# Qonto Credit Solutions

By [Qonto](/qonto.md)

Qonto offers a range of credit solutions integrated into the business account, including overdraft facilities and pay later options, to support business cash flow needs.

## Features
- Activate pre-approved credit lines directly from the account
- Track credit usage and repayments in real time
- Spread supplier invoice payments over 3, 6, or 9 monthly installments
- Utilize overdraft facilities with fixed interest rates
- Use credit via virtual and physical cards, direct debits, SWIFT, and SEPA transfers
- Manage credit with transparent terms and pricing
- Access credit without the need to apply
- Pay for purchases on credit cards with zero interest if repaid on time

## Built for
OPERATIONS, EXECUTIVES

Source: https://www.softatlas.io/qonto/products/qonto-credit-solutions