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Cofidis FR review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cofidis FR suits French borrowers who want a fixed-rate personal loan with nothing to pay upfront. Its rates of 5.43% to 8.54% sit below the site median of 15.5%, the origination fee is 0 EUR and terms run 12 to 84.

Key facts

Best for
A fixed-rate personal loan in France with no arrangement fee.
APR
5.43% to 8.54%↗
Loan amount
€500 to €35,000↗
Term
12 to 84 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Under 8 days after contract signature (express request)↗
Representative example
Personal loan of 16,000 EUR over 60 months: 8.54% fixed TAEG (8.22% fixed nominal rate), 326.11 EUR per month, 19,566.23 EUR total due↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Loan types
Personal, Credit-line, Debt-consolidation, Car, BNPL↗
Use cases
Home-improvement↗
Legal entity
Cofidis↗
Headquarters
Belgium↗
Founded
1982↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
cofidis.fr

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaTrustpilot

Pros and cons

Pros

  • The origination fee is 0 EUR, so nothing is charged to set the loan up
  • Rates of 5.43% to 8.54% compare with a site median of 15.5% across the comparison
  • Free early repayment means an overpayment carries no penalty
  • Support runs on phone, email and chat for both new and existing borrowers

Cons

  • The credit check is hard, so an application is decided on your file with no softer prequalification route
  • Funding runs Under 8 days after contract signature (express request), which is slower than lenders promising same day money
  • Amounts run €500 to €35,000, so larger projects need another lender
Cofidis FR

Ready to try Cofidis FR?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • French residents borrowing for home improvement, the stated use case for the loan
  • Borrowers with a solid credit file who can clear a hard credit check
  • Anyone who wants the rate held fixed for the whole life of the loan

Who should look elsewhere

  • Cashspace, whose rates of PHP 12 to PHP 36 sit in a different market and currency from this one
  • Sofkredit, where rates of 10.74% to 18.06% run higher than Cofidis charges
  • Anyone who needs the money in the account the same day, since funding runs Under 8 days after contract signature (express request)

The company behind it

The lender behind this French offer is Cofidis, a direct lender rather than a broker, with its headquarters in Belgium. It has been trading since 1982. In France it is registered with the Autorite de controle prudentiel et de resolution (ACPR) and holds an ORIAS licence, 07 023 493. It also appears in Belgium under BE_NBB as PSD_PI BE_NBB!0400359283. Customer help runs on phone, email and chat.

How Cofidis FR compares

Where Cofidis FR is available

Available
Belgium, France
Licence in France
Autorite de controle prudentiel et de resolution (ACPR), checked September 26, 2026
Licence in France
ORIAS (Organisme pour le Registre des Intermediaires en Assurances) (07 023 493), checked September 26, 2026
Licence in Belgium
BE_NBB (PSD_PI BE_NBB!0400359283), checked September 26, 2026, also valid in Belgium

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Cofidis personal loan?+

Rates are fixed, so the figure you are offered holds for the whole term. The published range is 5.43% to 8.54%, and the published representative example shows a fixed annual rate with a monthly instalment on a mid sized loan. That compares with a site median of 15.5%.

Is there an arrangement fee to set the loan up?+

No fee is charged to arrange a Cofidis personal loan, with the origination fee listed as 0 EUR. That keeps the entry cost low, though the interest on the loan remains the main thing you repay each month.

How much can I borrow and for how long?+

Borrowing runs on amounts of €500 to €35,000 over terms of 12 to 84. The stated use is home improvement, and the lender also offers a credit line, debt consolidation, car finance and instalment lending.

How long does the money take to arrive?+

Funding happens Under 8 days after contract signature (express request), with an express request available. Plan the timing around the contract signature rather than the application, since the clock starts once the agreement is signed.

What credit check do I face?+

The credit check is hard, meaning a full file search that leaves a mark whether you are accepted or not. If that is a concern, a lender offering a soft prequalification, which 20.1% of the market do, may suit you better.

Can I repay early without a charge?+

Yes, early repayment is free, so clearing the balance early costs you nothing in penalty interest. On a fixed rate loan that makes settling the debt sooner the only way to reduce the total you pay.

Who regulates Cofidis in France?+

In France the lender sits under the Autorite de controle prudentiel et de resolution (ACPR) and is listed on the ORIAS register as 07 023 493. It also appears in Belgium under BE_NBB as PSD_PI BE_NBB!0400359283, so the group is supervised on both sides of the border.

How do I get help with my loan?+

Support is available through phone, email and chat, so phone, email, chat and a help centre are all open to you. The brand is a direct lender rather than a broker, which means you deal with Cofidis itself throughout the loan.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Cofidis FR

Cofidis FR

A fixed-rate personal loan in France with no arrangement fee.

9.4/10See alternatives