credit-conso.org review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Credit Conso is a French comparison broker rather than a lender, so the rate you get depends on the partner it introduces you to. It suits adults living in France who want a fixed rate and an origination fee of 0 EUR in a single place.
Key facts
- Best for
- Comparing fixed-rate personal loans in France with an origination fee of 0 EUR.
- APR
- 0.9% to 22.93%↗
- Loan amount
- €500 to €99,999↗
- Term
- 6 to 120 months↗
- Arrangement fee
- 0 EUR↗
- Credit check
- Hard↗
- Representative example
- Personal loan of 10,000 EUR over 48 months: 7.01% APR fixed (6.79% nominal), 239.49 EUR per month, 11,447.52 EUR total due, borrower insurance optional↗
- Rate type
- Fixed↗
- Lender type
- Broker↗
- Eligibility
- Adults residing in France applying for a personal loan; lender checks income and expenses balance and consults the FICP credit file↗
- Loan types
- Personal, Car, Debt-consolidation, Credit-line↗
- Use cases
- Home-improvement↗
- Legal entity
- SEO 26 LTD↗
- Headquarters
- Israel↗
- Founded
- 2006↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Fixed rate
- Features
- Credit line
- Official website
- credit-conso.org
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- The origination fee is 0 EUR, so arranging the loan costs nothing extra
- Fixed rates at 0.9% to 22.93% keep the monthly repayment steady across the term
- Borrowing runs €500 to €99,999 over terms of 6 to 120, so both small and larger sums are covered
- Support runs through email, phone and help centre, including a phone line and a help centre
Cons
- As a broker (broker), the lender and the final rate depend on which partner you are matched with
- A hard credit check (hard) consults the FICP file, so a rejection is recorded
- Applicants need to be adults residing in France, with income weighed against expenses
Who it suits
- Adults residing in France who need a personal loan and whose income balances their expenses
- Borrowers comparing personal, car and debt consolidation loans in one place
- People who want a fixed rate and a revolving credit line side by side
Who should look elsewhere
- Borrowers outside France: eligibility covers adults residing in France
- Rate shoppers who prefer a different range, since Sofkredit quotes 10.74% to 18.06%
- Borrowers wanting a different currency market, since Cashspace prices in PHP 12 to PHP 36
Deposit protection
As a broker, Credit Conso introduces applicants to lenders rather than lending from its own balance sheet. The representative example for a personal loan shows a fixed rate, with borrower insurance listed as optional. The lender behind an accepted application holds the funds and carries the credit risk, so its own standing is the one to check.
How credit-conso.org compares
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.7
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.7It quotes 10.74% to 18.06%, a useful second reading against 0.9% to 22.93% for anyone checking where a fixed rate should sit.
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.9
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.5
9.2 vs 9.4- 9.2 vs 9.4
9.2 vs 9.4
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9.2 vs 9.2
9.2 vs 9.2
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9.2 vs 9.1
9.2 vs 9.1
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9.2 vs 9.1
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9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.2
9.2 vs 8.1
9.2 vs 8.0- 9.2 vs 8.0
Where credit-conso.org is available
- Available
- Belgium, France
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate will I pay for a personal loan?+
The quoted range is 0.9% to 22.93% depending on the partner lender. Rates are fixed rather than variable, so the monthly repayment holds for the life of the loan. The representative example pairs that fixed rate with a slightly lower nominal rate.
Are there fees for arranging the loan?+
The origination fee is 0 EUR, so nothing extra is charged to set the loan up. The representative example lists borrower insurance as an optional extra, and any fee set by the lending partner sits outside this figure.
How much can I borrow and over what term?+
Borrowing runs €500 to €99,999 with terms of 6 to 120. That range covers small sums as well as larger ones spread over a longer repayment period. Personal, car and debt consolidation loans are all offered, alongside a revolving credit line.
What credit check is used?+
The check is a hard search, hard, rather than a soft prequalification. The lender reviews whether income covers expenses and consults the FICP credit file, so a rejection stays on record for later applications.
Is my money protected by a regulator or a scheme?+
As a broker, Credit Conso introduces you to the lender that holds the funds and carries the credit risk. The protection that applies comes from that lender rather than from this site, so check its authorisation and the terms it offers before you sign.
Who can apply?+
Applicants need to be adults living in France, and the lender weighs income against expenses before deciding. The FICP credit file forms part of that assessment, so a clean record helps. Home improvement sits among the listed use cases, home improvement.
How is support offered?+
Contact runs through email, phone and help centre, so a phone line, email and a help centre cover the main routes. That is enough to get a question answered while an application with a partner lender is moving.
What kind of company is this?+
It is a broker, registered as SEO 26 LTD and based in Israel, so it introduces you to lenders rather than lending itself. Trading began in 2006, and questions go through email, phone and help centre listed on the site.
Can I get a revolving credit line instead?+
A credit line is listed among the loan types, personal, car and debt consolidation, alongside personal, car and debt consolidation loans. Personal loans run on a fixed rate under fixed rate, while the revolving option is a separate product on the list.
Sources
- credit-conso.org checked September 26, 2026
Backs: Founded, Loan types
- credit-conso.org/comparatif-credit-consommation.htm checked September 26, 2026
Backs: Pricing model
- credit-conso.org/comparatif-credit-renouvelable.htm checked September 26, 2026
Backs: Features
- credit-conso.org/comparatif-pret-personnel.htm checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Rate type, Representative example, Term
- credit-conso.org/comparatif-pret-travaux.htm checked September 26, 2026
Backs: Use cases
- credit-conso.org/contact.htm checked September 26, 2026
Backs: Support channels
- credit-conso.org/faq/fichage-FICP.htm checked September 26, 2026
Backs: Credit check
- credit-conso.org/mentions-legales.htm checked September 26, 2026
Backs: Headquarters, Legal entity, Lender type, Arrangement fee
“Siège social: Etzion 25 Raanana 4356213 Israel”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Funding time.
credit-conso.org
Comparing fixed-rate personal loans in France with an origination fee of 0 EUR.