Updated on 4 April 2020
Founded in 1981 Carrefour Banque is a subsidiary of Carrefour Group, offering retail banking and insurance products.
BNP Paribas Personal Finance operating in France under the brand name Cetelem provides a comprehensive range of consumer loans from personal loans to revolving credit with or without a credit card and from car loans to mortgages. BNP Paribas Personal Finance also offers its customers a range of competitive solutions, including insurance products, pensions and savings.
Cofidis is an international financial company specializing in providing loans to natural persons and business entities remotely. Cofidis has been providing consumer loans remotely for over 20 years. Cofidis customers can manage their accounts without leaving their home and choose how to communicate with Cofidis (for example, via Internet, phone, email, or SMS).
BNP Paribas is a French banking and financial services institution. BNP Paribas is one of the largest banks in Europe and in the world. BNP Paribas operates globally, offering retail and corporate and institutional banking products and services at both domestic and international markets.
Established in 1995, Boursorama became a pioneer in online brokerage and providing financial information via the Internet. Boursorama Banque is a member of Société Générale group focused on providing retail banking products and services via Internet and online brokerage services.
YOUNITED (Younited Credit) is a French credit institution, specialized in providing a broad range of consumer finance solutions. YOUNITED offers consumer loans, car loans, and credit cards. YOUNITED was founded in 2009 and was previously known as PRET d'UNION.
France: This product is offered to French residents only. When clicking on the product link you will be redirected to the product page in French.
Consumer loans are secured or unsecured loans given to customers for personal, family, or household purposes or for purchase of goods and services. Unsecured consumer loans (which are not backed or secured by a collateral) are typically have higher interest rates than secured loans. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term).
The table above shows essential details of selected consumer loans products offered to retail customers by the banks in France: currency, effective rate per annum and loan term in months. The consumer loans terms vary from 1 month to 10 years (120 months). The effective borrowing rates are within the range 1.79 - 6.60 %.