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About B+PAN

B+PAN operates as a financial intermediation and consulting platform that connects users with partner financial institutions for personal loans. The service begins with a free initial profile analysis to identify suitable credit options, rates, and conditions based on the user's financial profile. B+PAN states that it is not a bank or financial institution and does not grant credit directly, instead facilitating contact between customers and partner institutions. The process involves submitting personal data, receiving an analysis of available options, and making the final decision to contract or not, with terms ranging from 12 to 120 months. The website provides illustrative examples of loan terms and clarifies that actual conditions depend on the partner institution's approval.