Compare personal loans in France.
21 live personal finance offers tracked across 15 French providers, with APRs from 3.50%. Data current as of 23 October 2026 and updated daily from the Giraffy database.
21 live offers compared from 15 providers, from 3.50% APR. Updated daily.
3.50% APR
Cetelem Crédit Conso is a Personal Finance offer from Cetelem in France. Key details — Interest Rate: From 3.5% TAEG; Loan Amount: €500-€75,000; Loan Term: 6-84 months; Key Feature: BNP Paribas group; France's largest consumer lender.
3.90% APR
Sofinco Prêt Personnel is a personal finance offer from Sofinco in France. Key details — Interest Rate: From 3.9% TAEG; Loan Amount: €1,000-€75,000; Loan Term: 12-84 months; Key Feature: Crédit Agricole group; nationwide network.
4.50% APR
4.90% APR
4.99% APR
5.49% APR
5.49% APR
5.49% APR
Younited Credit is a personal finance offer from Younited Credit in France. Key details — Interest Rate: 5.49%; Loan Amount: €1k–€50k; Loan Term: 6–84 mo; Key Feature: P2P lending.
5.49% APR
5.99% APR
5.99% APR
6.49% APR
6.49% APR
6.49% APR
6.49% APR
6.49% APR
6.99% APR
7.49% APR
7.99% APR
€500 /month
€500 /month
In this comparison, personal finance means the crédit à la consommation — unsecured personal loans used to fund projects, consolidate debts or cover one-off costs. The main forms are the prêt personnel (a fixed lump sum repaid over set instalments with no restriction on use), the crédit affecté (tied to a specific purchase) and revolving credit (crédit renouvelable), a reusable credit line that is more expensive and more tightly regulated.
Specialist consumer-credit lenders dominate, most owned by major banks: Cetelem (BNP Paribas), Sofinco (Crédit Agricole), Cofidis, Financo, Floa Bank and the online arm BoursoBank, alongside high-street banks such as Société Générale and Crédit Agricole. Loans are advertised with a TAEG that must include all compulsory costs, and lenders must assess affordability and consult the FICP file of payment incidents before lending. A distinct and popular option is the rachat de crédits (debt consolidation), which merges several existing loans into one restructured repayment, often to reduce monthly outgoings. Consumer loans are capped by amount and duration under French law, and for larger sums or property-linked needs borrowers move instead into regulated mortgage or works financing.
Predictable repayment — A prêt personnel has fixed monthly instalments and a known total cost from the outset.
Debt consolidation — A rachat de crédits can combine several debts into one lower monthly payment.
Fast online decisions — Digital lenders such as BoursoBank and Floa offer quick, paperless applications.
Focus on the TAEG and the total cost of credit, not just the monthly payment, since a longer term lowers the instalment but raises the total interest. Avoid revolving credit for anything but short-term needs given its higher rate. Check for arrangement fees, early-repayment terms and whether optional payment-protection insurance is genuinely needed.
Cetelem, Sofinco and Cofidis are the largest consumer-credit specialists. Financo and Floa Bank are strong in point-of-sale and online lending, BoursoBank offers competitive online personal loans, and Société Générale and Crédit Agricole lend directly to their account holders.
Cost is expressed as the TAEG. Prêts personnels typically run in the mid-single to low-double digits depending on amount and term, while revolving credit sits near the legal maximum. This comparison shows rates from around 3.5%, with monthly repayments up to several hundred euros. All rates are capped by the quarterly taux d'usure set by the Banque de France. The key trade-off is term versus total cost: stretching a loan over more years lowers the monthly payment but raises the total interest paid, sometimes substantially. Always read the coût total du crédit — the all-in amount you will have repaid by the end — rather than fixating on the advertised rate or the monthly figure, and factor in any optional insurance, which can add meaningfully to the effective cost.
Consumer credit is governed by the Code de la consommation and supervised by the ACPR. Borrowers receive a 14-day withdrawal right, a standardised information sheet (FIPEN), and protection against lending above the usury ceiling. Lenders must verify solvency and, for larger revolving lines, review the arrangement periodically. Over-indebted households can seek relief through the Banque de France's commission de surendettement.
Prêt personnel or revolving credit? — A prêt personnel is almost always cheaper and clearer; keep revolving credit for genuinely short-term, small amounts.
Can I repay early? — Yes, with at most a small indemnity on larger loans; often free below a threshold.
Is loan insurance required? — It is optional on consumer loans but must be priced transparently if offered.
Giraffy tracks 21 personal loan products across 15 lenders in France. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in France offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.