{"id":22139,"date":"2021-12-23T04:11:56","date_gmt":"2021-12-23T03:11:56","guid":{"rendered":"https:\/\/financera.fr\/?page_id=22139"},"modified":"2024-11-05T12:19:11","modified_gmt":"2024-11-05T11:19:11","slug":"consommation","status":"publish","type":"page","link":"https:\/\/financera.fr\/credit\/consommation\/","title":{"rendered":"Cr\u00e9dit consommation"},"content":{"rendered":"\n<p><strong>Le cr\u00e9dit consommation est le meilleur moyen de financer vos projets personnels, sans justificatif d&rsquo;utilisation.<\/strong><\/p>\n\n\n\n<p>Vous pouvez emprunter de 500\u20ac \u00e0 99 000\u20ac sur 6 mois \u00e0 10 ans, 100% en ligne depuis chez vous.<\/p>\n\n\n\n<p>L\u2019\u00e9quipe Financera a fait des recherches, \u00e9tudi\u00e9 les documents officiels, et d\u00e9chiffr\u00e9 les conditions des organismes de cr\u00e9dit \u00e0 la consommation pour vous fournir les meilleures informations.<\/p>\n\n\n\n<p>Cet article a pour but de vous partager toutes nos d\u00e9couvertes pour vous aider \u00e0\u00a0<strong>bien choisir votre cr\u00e9dit \u00e0 la consommation, payer le moins de frais possible, et recevoir vos fonds rapidement<\/strong>.<\/p>\n\n\n\n<p>Allons-y\u2026<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>Meilleurs cr\u00e9dits conso de 2025 <\/h3><ul>\n<li><strong>L&rsquo;offre la plus compl\u00e8te<\/strong> : <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Cetelem<\/a><\/li>\n<li><strong>Service client le plus efficace<\/strong> : <a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Cofidis<\/a><\/li>\n<li><strong>Pour une demande acc\u00e9l\u00e9r\u00e9e<\/strong> : <a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Younited Credit<\/a><\/li>\n<li><strong>Meilleur cr\u00e9dit rapide (jusqu&rsquo;\u00e0 3000\u20ac)<\/strong> : <a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">FLOA Bank<\/a><\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Aperu_du_crdit_consommation\">Aper\u00e7u du cr\u00e9dit consommation<\/h2>\n\n\n\n<p>Avant de continuer, voici un tableau r\u00e9capitulatif des informations les plus importantes sur le cr\u00e9dit consommation en ligne :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Cr\u00e9dit conso<\/th><\/tr><\/thead><tbody><tr><td><strong>Montant du pr\u00eat<\/strong><\/td><td>500\u20ac \u00e0 99 000\u20ac<\/td><\/tr><tr><td><strong>Dur\u00e9e du pr\u00eat<\/strong><\/td><td>6 mois \u00e0 10 ans (119 mois)<\/td><\/tr><tr><td><strong>Taux du pr\u00eat<\/strong>\u00a0<strong>(TAEG)<\/strong><\/td><td>0,10% \u00e0 21,60%<\/td><\/tr><tr><td><strong>Utilisations<\/strong><\/td><td>Tout projet personnel : tr\u00e9sorerie, voiture, mariage, travaux, ameublement, impr\u00e9vus, vacances\u2026<\/td><\/tr><tr><td><strong>Justificatif d\u2019utilisation<\/strong><\/td><td>Aucune.<br>Pas besoin de justifier comment vous utiliserez l\u2019argent du pr\u00eat.<\/td><\/tr><tr><td><strong>Proc\u00e9dure de demande<\/strong><\/td><td>1. Vous faites votre demande en ligne<br>2. Vous obtenez une r\u00e9ponse de principe<br>3. Vous montez votre dossier<br>4. Vous signez votre contrat<br>5. Vous recevez les fonds<\/td><\/tr><tr><td><strong>Conditions<\/strong><\/td><td>\u2013 \u00catre majeur (+18 ans)<br>\u2013 Avoir son domicile fiscal en France<\/td><\/tr><tr><td><strong>Justificatifs \u00e0 fournir<\/strong><\/td><td>Une pi\u00e8ce d\u2019identit\u00e9, un justificatif de domicile, un RIB et un justificatif de revenus. Selon le montant de votre demande, les pi\u00e8ces \u00e0 fournir varient.<\/td><\/tr><tr><td><strong>D\u00e9lais de r\u00e9ponse<\/strong><\/td><td>R\u00e9ponse de principe imm\u00e9diate ou sous 2 jours. La r\u00e9ponse d\u00e9finitive apr\u00e8s r\u00e9ception de votre dossier d\u00e9pend de votre situation et de l\u2019organisme.<\/td><\/tr><tr><td><strong>D\u00e9lai de versement des fonds<\/strong><\/td><td>Sous 48 heures apr\u00e8s acceptation d\u00e9finitive du contrat, \u00e0 l\u2019issue du d\u00e9lai l\u00e9gal de r\u00e9tractation de 14 jours.<\/td><\/tr><tr><td><strong>Exemple de simulation<\/strong><\/td><td>Pour un cr\u00e9dit conso de\u00a010 000\u20ac sur 60 mois (5 ans) au TAEG de 7,35%, vous remboursez 198,53\u20ac\/mois. Les frais d\u2019int\u00e9r\u00eats s\u2019\u00e9l\u00e8vent \u00e0 1 911,80\u20ac et le co\u00fbt total du cr\u00e9dit est de 11 911,80\u20ac.<\/td><\/tr><tr><td><strong>Meilleur cr\u00e9dit consommation \u2b50<\/strong><\/td><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\">Cr\u00e9dit conso de Cetelem<\/a>\u00a0: \u00a04000\u20ac \u00e0 99 000\u20ac sur 6 mois \u00e0 10 ans, demande 100% en ligne, r\u00e9ponse de principe sous 2 jours, et versement des fonds en 48h apr\u00e8s signature du contrat et d\u00e9lai l\u00e9gal de r\u00e9tractation.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Pour faire une demande de cr\u00e9dit consommation chez Cetelem (sans engagement), cliquez sur le bouton ci-dessous.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_blank\"  rel=\"sponsored nofollow\">Demander un cr\u00e9dit consommation<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Crdit__la_consommation_pas_cher\">Cr\u00e9dit \u00e0 la consommation pas cher<\/h2>\n\n\n\n<p><strong>D\u2019apr\u00e8s notre comparateur de cr\u00e9dit, le co\u00fbt total d\u2019un cr\u00e9dit consommation de 8000\u20ac peut varier de 426,75\u20ac \u00e0 1016,60\u20ac. Vous risquez de payer le double si vous ne prenez pas le temps de faire vos recherches.<\/strong><\/p>\n\n\n\n<p>Pourquoi payer trop cher quand on peut comparer les\u00a0offres de cr\u00e9dit\u00a0les plus avantageuses gr\u00e2ce \u00e0 un comparateur  ?<\/p>\n\n\n\n<p>Voici un tableau comparatif pour vous aider \u00e0 trouver un cr\u00e9dit \u00e0 la consommation pas cher.<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative \">\n                    <div class=\"comparison-table__scroll\">\n                        <table class=\"comparison-table\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                            <tr>\n                                <th align=\"\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Entreprise                                    <\/span>\n                                <\/th>\n                                                                <th align=\"\">\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Notation globale                                    <\/span>\n                                <\/th>\n                                                                <th align=\"\"> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Int\u00e9r\u00eats\">Int\u00e9r\u00eats<\/span><\/th><th align=\"\"> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Montant du pr\u00eat :\">Montant du pr\u00eat :<\/span><\/th>                                <th>\n                                    <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                            <\/span>\n                                <\/th>\n                            <\/tr>\n                            <\/thead>\n                            <tbody>\n                            <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cofidis\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\">\n                <img decoding=\"async\" title=\"Cofidis\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/cofidis-logo.png\" alt=\"Cofidis\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.46875000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,47%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\">\n                <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" alt=\"Cetelem\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.45564516\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"1.90\">1,90% &#8211; 22,49%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 99\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Younited Credit\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\">\n                <img decoding=\"async\" title=\"Younited Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp\" alt=\"Younited Credit\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.37500000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,48%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"1000.00\">1\u00a0000 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"FLOA Bank\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\">\n                <img decoding=\"async\" title=\"FLOA Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/floaxescda-300x110-1.png\" alt=\"FLOA Bank\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"2.90\">2,90% &#8211; 21,58%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 6\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MrFinan\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\">\n                <img decoding=\"async\" title=\"MrFinan\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/06\/mrfinan.png\" alt=\"MrFinan\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.50000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.60\">0,60% &#8211; 22,60%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kreditiweb\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\">\n                <img decoding=\"async\" title=\"Kreditiweb\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/09\/kreditiweb.png\" alt=\"Kreditiweb\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"2.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.9\">2.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.10\">0,10% &#8211; 21,14%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 100\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                    <table class=\"comparison-table comparison-table--mobile is-hidden-tablet \" js-data-comparison-table=\"\">\n                        <thead>\n                        <tr>\n                            <th style=\"width: 125px\" align=\"\">\n                                <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                    Entreprise                                <\/span>\n                            <\/th>\n                            <th>\n                                <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                    Notation globale                                <\/span>\n                            <\/th>\n                            <th align=\"\"> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Int\u00e9r\u00eats\">Int\u00e9r\u00eats<\/span><\/th><th align=\"\"> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Montant du pr\u00eat :\">Montant du pr\u00eat :<\/span><\/th>                            <th>\n                                Commencer                            <\/th>\n                        <\/tr>\n                        <\/thead>\n                        <tbody>\n                        <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cofidis\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\">\n                <img decoding=\"async\" title=\"Cofidis\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/cofidis-logo.png\" alt=\"Cofidis\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.46875000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,47%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\">\n                <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" alt=\"Cetelem\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.45564516\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"1.90\">1,90% &#8211; 22,49%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 99\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Younited Credit\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\">\n                <img decoding=\"async\" title=\"Younited Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp\" alt=\"Younited Credit\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.37500000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,48%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"1000.00\">1\u00a0000 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"FLOA Bank\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\">\n                <img decoding=\"async\" title=\"FLOA Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/floaxescda-300x110-1.png\" alt=\"FLOA Bank\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"2.90\">2,90% &#8211; 21,58%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 6\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MrFinan\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\">\n                <img decoding=\"async\" title=\"MrFinan\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/06\/mrfinan.png\" alt=\"MrFinan\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.50000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.60\">0,60% &#8211; 22,60%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kreditiweb\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\">\n                <img decoding=\"async\" title=\"Kreditiweb\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/09\/kreditiweb.png\" alt=\"Kreditiweb\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"2.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.9\">2.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.10\">0,10% &#8211; 21,14%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 100\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n<p><em>Note : attention, le taux d&rsquo;int\u00e9r\u00eat minimum est souvent un taux promo uniquement applicable pour certains montants et dur\u00e9es d&#8217;emprunt. Nous vous recommandons de faire une simulation pour obtenir un taux personnalis\u00e9.<\/em><\/p>\n\n\n\n<p>Pour trouver un cr\u00e9dit \u00e0 la consommation pas cher, utilisez ces 3 crit\u00e8res :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"like\"><li><p><strong>Le\u00a0<a href=\"https:\/\/financera.fr\/wiki\/taeg\/\">TAEG<\/a><\/strong>\u00a0(Taux Annuel Effectif Global) comme crit\u00e8re de r\u00e9f\u00e9rence et de comparaison. Il repr\u00e9sente le co\u00fbt total du cr\u00e9dit.<\/p>\n<\/li><li><p><strong>La dur\u00e9e du cr\u00e9dit<\/strong>. Le cr\u00e9dit conso est moins cher s\u2019il est rembours\u00e9 sur une dur\u00e9e plus courte mais les mensualit\u00e9s seront plus \u00e9lev\u00e9es. Et inversement.<\/p>\n<\/li><li><p><strong>Le montant des mensualit\u00e9s<\/strong>. D\u00e9terminez le montant qui vous permettra d\u2019int\u00e9grer la mensualit\u00e9 du pr\u00eat dans votre budget sans tomber dans le rouge.<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Plus la dur\u00e9e de remboursement est longue, plus vos mensualit\u00e9s seront r\u00e9duites. En revanche, le cr\u00e9dit vous co\u00fbtera plus cher car vous devrez payer plus d\u2019int\u00e9r\u00eat.<\/p>\n\n\n\n<p>Au contraire, plus la dur\u00e9e de remboursement est r\u00e9duite, plus le montant de vos mensualit\u00e9s sera \u00e9lev\u00e9, mais le cr\u00e9dit vous co\u00fbtera moins au total.<\/p>\n\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Comparer les cr\u00e9dits de 22 organismes<\/h3><p>Trouver le meilleur taux en 1 clic<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"4000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financera.fr\/results?query=1&non_affiliate=true&param_amount=4000&param_period=720\" data-slider-url=\"https:\/\/financera.fr\/results?query=1&non_affiliate=true&param_amount=4000&param_period=720\" data-required=\"results?query=1non_affiliate=true&param_amount=4000&param_period=720&\" class=\"get_results compare button is-primary is-medium is-rounded\">Comparer les cr\u00e9dits<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"O_faire_un_crdit__la_consommation_en_fn_date_formatY_\">O\u00f9 faire un cr\u00e9dit \u00e0 la consommation en 2025 ?<\/h2>\n\n\n\n<p>Vous pouvez faire un cr\u00e9dit conso aupr\u00e8s de la plupart des banques et\u00a0<a href=\"https:\/\/financera.fr\/credit\/liste-organisme\/\">\u00e9tablissements de cr\u00e9dit<\/a>.<\/p>\n\n\n\n<p>Nous vous recommandons d\u2019emprunter aupr\u00e8s d\u2019un \u00e9tablissement disponible en ligne pour 3 raisons :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>La proc\u00e9dure est plus rapide donc vous recevez vos fonds plus rapidement<\/p>\n<\/li><li><p>Pas besoin de vous d\u00e9placer car tout se fait 100% en ligne<\/p>\n<\/li><li><p>Vous n\u2019avez pas de frais de dossier \u00e0 payer<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Ci-dessous, une liste des\u00a0<strong>principaux organismes de cr\u00e9dit consommation en ligne que nous recommandons<\/strong>\u00a0:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Organisme<\/th><th>Faire une demande<\/th><th>Montant<\/th><th>TAEG<\/th><th>Dur\u00e9e<\/th><th>Pr\u00e9sentation<\/th><\/tr><\/thead><tbody><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\">Cetelem<\/a><\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\"><\/a><\/td><td>4000\u20ac \u00e0 99 000\u20ac<\/td><td>1,90% \u00e0 21,60%<\/td><td>6 mois \u00e0 10 ans (119 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" target=\"_blank\">Cofidis<\/a><\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>500\u20ac \u00e0 35 000\u20ac<\/td><td>\u00c0 partir de 0,90%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" target=\"_blank\">FLOA Bank<\/a><\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>3000\u20ac \u00e0 50 000\u20ac<\/td><td>\u00c0 partir de 0,2% (taux promo)<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" target=\"_blank\">Younited Credit<\/a><\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>3000\u20ac \u00e0 50 000\u20ac<\/td><td>0,10% \u00e0 21,62%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/youdge\/redirect\/\" target=\"_blank\">Youdge<\/a>*<\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>1000\u20ac \u00e0 75 000\u20ac<\/td><td>0,20% \u00e0 21,10%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/youdge\/redirect\/\" target=\"_blank\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" target=\"_blank\">MrFinan<\/a>*<\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>500\u20ac \u00e0 50 000\u20ac<\/td><td>0,60% \u00e0 22,60%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" target=\"_blank\">Kreditiweb<\/a>*<\/td><td><img decoding=\"async\" width=\"50\" height=\"51\" class=\"wp-image-44551\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502.png 90w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/05\/capture-decran-2023-05-19-a-141502-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><\/td><td>500\u20ac \u00e0 100 000\u20ac<\/td><td>0,10% \u00e0 21,14%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a rel=\"noreferrer noopener\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/\" target=\"_blank\">Avis d\u00e9taill\u00e9<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*<a href=\"https:\/\/financera.fr\/wiki\/courtier-credit-conso\/\">courtier en cr\u00e9dit conso<\/a><\/em><\/p>\n\n\n\n<p>Ci-dessous, plus de d\u00e9tails sur notre s\u00e9lection des meilleurs organismes.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"115\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466-300x96.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>45\u00a0470<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 500\u20ac et 99 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 1,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 10 ans<\/li><li >Not\u00e9 4,8\/5 sur Avis V\u00e9rifi\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">99000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">1.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.48<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">10 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"526\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\">31<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"99\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/cofidis-logo.png\" class=\"attachment-full size-full\" alt=\"cofidis\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>49\u00a0058<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 500\u20ac et 35 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 0,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 7 ans<\/li><li >Pas de frais de dossier<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">35000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">0.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.47<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">7 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"531\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\">32<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"404\" height=\"125\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp 404w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit-300x93.webp 300w\" sizes=\"(max-width: 404px) 100vw, 404px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>42\u00a0135<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 1000\u20ac et 50 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 0,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 7 ans<\/li><li >Not\u00e9 4,8\/5 sur Trustpilot<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">0.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.48<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">7 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"350\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\">21<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"110\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/floaxescda-300x110-1.png\" class=\"attachment-full size-full\" alt=\"avis floa bank\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>40\u00a0060<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 100\u20ac et 6000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 2,90%<\/li><li >Dur\u00e9e de remboursement de 3 \u00e0 60 mois<\/li><li >Not\u00e9 9,4\/10 sur Avis V\u00e9rifi\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">6000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">2.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">21.44<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">5 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1591\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\">23<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Nous recommandons\u00a0Cetelem. Pour notre avis Financera d\u00e9taill\u00e9,\u00a0<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\">cliquez ici<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Demande_de_crdit_consommation__guide_rapide\">Demande de cr\u00e9dit consommation : guide rapide<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p>Pour faire un cr\u00e9dit consommation en ligne, vous devez suivre les \u00e9tapes suivantes<\/p>\n<ol>\n<li>Choisir la banque<\/li>\n<li>Remplir le formulaire de demande (gratuit)<\/li>\n<li>Recevoir votre devis personnalis\u00e9 (sans engagement)<\/li>\n<li>Envoyer les justificatifs<\/li>\n<li>Recevoir les fonds sur votre compte<\/li>\n<\/ol><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Demander un cr\u00e9dit conso <\/a>\n\t<\/p><\/div>\n\n\n<p>Si vous voulez une proc\u00e9dure d\u00e9taill\u00e9e, allez directement \u00e0 la partie \u00ab\u00a0<a href=\"https:\/\/financera.fr\/credit\/consommation\/#Comment_faire_un_crdit__la_consommation_\">Comment faire un cr\u00e9dit \u00e0 la consommation ?<\/a>\u00ab\u00a0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Crdit_consommation_sans_justificatif_est_ce_possible_\">Cr\u00e9dit consommation sans justificatif, est-ce possible ?<\/h2>\n\n\n\n<p><strong>Faire un cr\u00e9dit \u00e0 la consommation sans devoir justifier l\u2019utilisation des fonds, oui c\u2019est possible.<\/strong><\/p>\n\n\n\n<p>Cela signifie que vous n\u2019avez pas besoin (ni l\u2019obligation) de dire \u00e0 la banque comment vous allez utiliser l\u2019argent emprunt\u00e9. <\/p>\n\n\n\n<p>Par contre, vous ne pouvez pas emprunter en cliquant sur un bouton, sans au moins justifier votre identit\u00e9. C\u2019est obligatoire.<\/p>\n\n\n\n<p><strong>Vous devrez obligatoirement envoyer un justificatif d\u2019identit\u00e9 (carte d\u2019identit\u00e9 ou passeport) pour v\u00e9rifier votre identit\u00e9.<\/strong><\/p>\n\n\n\n<p>Suivant la banque et votre demande, vous devrez \u00e9galement envoyer d&rsquo;autres justificatifs tel qu&rsquo;un justificatif de domicile et de revenu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Le cr\u00e9dit consommation sans justificatif signifie que vous n\u2019avez pas besoin de justifier l\u2019utilisation des fonds emprunt\u00e9s. Vous devrez tout de m\u00eame envoyer des justificatifs : identit\u00e9, revenus et domicile.<\/p><\/div>\n\n\n<p>Pour conna\u00eetre la liste compl\u00e8te des justificatifs \u00e0 fournir,\u00a0<a href=\"https:\/\/financera.fr\/credit\/consommation\/#Justificatifs__fournir\">cliquez ici<\/a>.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Comment \u00e9conomiser <span class=\"compare-amount\">144,00 \u20ac <\/span> sur votre cr\u00e9dit<\/h3>\n\t\t\t\t<p>La diff\u00e9rence de co\u00fbt pour un cr\u00e9dit de 4\u00a0000,00 \u20ac sur 90 jours est de 144,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financera.fr\/results\/?query=1&filter_non_affiliate=1&param_amount=4000&param_period=90\" class=\"button is-normal is-primary is-rounded\">D\u00e9couvrez comment<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Simulation_crdit_consommation\">Simulation cr\u00e9dit consommation<\/h2>\n\n\n\n<p>Ci-dessous quelques exemples repr\u00e9sentatifs pour que vous ayez une id\u00e9e des taux et co\u00fbts d\u2019un cr\u00e9dit conso.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Montant et dur\u00e9e<\/th><th>TAEG<\/th><th>Mensualit\u00e9s<\/th><th>Co\u00fbt total du cr\u00e9dit (hors assurance)<\/th><\/tr><\/thead><tbody><tr><td><strong>5 000\u20ac sur 24 mois<\/strong><\/td><td>5,29%<\/td><td>219,98\u20ac<\/td><td>5 279,51\u20ac<\/td><\/tr><tr><td><strong>10 000\u20ac sur 48 mois<\/strong><\/td><td>2,76%<\/td><td>220,28\u20ac<\/td><td>10 573,42\u20ac<\/td><\/tr><tr><td><strong>20 000\u20ac sur 60 mois<\/strong><\/td><td>4,86%<\/td><td>375,59\u20ac<\/td><td>22 535,39\u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Simulation cr\u00e9dit consommation \u2013 Mis \u00e0 jour : janvier 2025<\/figcaption><\/figure>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Voici un exemple repr\u00e9sentatif. Pour un cr\u00e9dit conso de <strong>10 000\u20ac sur 60 mois au TAEG fixe de 7,31%<\/strong> (taux d\u00e9biteur fixe de 7,08%), hors assurance facultative, vous remboursez :<\/p>\n<ul>\n<li>60 mensualit\u00e9s de 198,39\u20ac<\/li>\n<li>Int\u00e9r\u00eats : 1 903,40\u20ac<\/li>\n<li>Montant total d\u00fb : 11 903,40\u20ac<\/li>\n<\/ul>\n<p>Mis \u00e0 jour : janvier 2025<\/p><\/div>\n\n\n<p>Pour faire une simulation cr\u00e9dit consommation adapt\u00e9e \u00e0 vos besoins (montant et dur\u00e9e),\u00a0<a href=\"https:\/\/financera.fr\/credit\/consommation\/#top\">cliquez ici<\/a>\u00a0pour utiliser notre comparateur en haut de page.<\/p>\n\n\n\n<p>Voici un aper\u00e7u rapide des meilleurs organismes de cr\u00e9dit conso avec leurs taux d&#8217;emprunt associ\u00e9s.<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative \">\n                    <div class=\"comparison-table__scroll\">\n                        <table class=\"comparison-table\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                            <tr>\n                                <th align=\"\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Entreprise                                    <\/span>\n                                <\/th>\n                                                                <th align=\"\">\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Notation globale                                    <\/span>\n                                <\/th>\n                                                                <th align=\"\"> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Int\u00e9r\u00eats\">Int\u00e9r\u00eats<\/span><\/th><th align=\"\"> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Montant du pr\u00eat :\">Montant du pr\u00eat :<\/span><\/th>                                <th>\n                                    <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                            <\/span>\n                                <\/th>\n                            <\/tr>\n                            <\/thead>\n                            <tbody>\n                            <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cofidis\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\">\n                <img decoding=\"async\" title=\"Cofidis\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/cofidis-logo.png\" alt=\"Cofidis\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.46875000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,47%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\">\n                <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" alt=\"Cetelem\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.45564516\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"1.90\">1,90% &#8211; 22,49%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 99\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Younited Credit\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\">\n                <img decoding=\"async\" title=\"Younited Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp\" alt=\"Younited Credit\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.37500000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,48%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"1000.00\">1\u00a0000 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"FLOA Bank\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\">\n                <img decoding=\"async\" title=\"FLOA Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/floaxescda-300x110-1.png\" alt=\"FLOA Bank\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"2.90\">2,90% &#8211; 21,58%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 6\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MrFinan\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\">\n                <img decoding=\"async\" title=\"MrFinan\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/06\/mrfinan.png\" alt=\"MrFinan\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.50000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.60\">0,60% &#8211; 22,60%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kreditiweb\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\">\n                <img decoding=\"async\" title=\"Kreditiweb\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/09\/kreditiweb.png\" alt=\"Kreditiweb\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"2.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.9\">2.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.10\">0,10% &#8211; 21,14%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 100\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                    <table class=\"comparison-table comparison-table--mobile is-hidden-tablet \" js-data-comparison-table=\"\">\n                        <thead>\n                        <tr>\n                            <th style=\"width: 125px\" align=\"\">\n                                <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                    Entreprise                                <\/span>\n                            <\/th>\n                            <th>\n                                <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                    Notation globale                                <\/span>\n                            <\/th>\n                            <th align=\"\"> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Int\u00e9r\u00eats\">Int\u00e9r\u00eats<\/span><\/th><th align=\"\"> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\" title=\"Montant du pr\u00eat :\">Montant du pr\u00eat :<\/span><\/th>                            <th>\n                                Commencer                            <\/th>\n                        <\/tr>\n                        <\/thead>\n                        <tbody>\n                        <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cofidis\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\">\n                <img decoding=\"async\" title=\"Cofidis\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/cofidis-logo.png\" alt=\"Cofidis\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.46875000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,47%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\">\n                <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" alt=\"Cetelem\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.45564516\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"1.90\">1,90% &#8211; 22,49%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 99\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Younited Credit\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\">\n                <img decoding=\"async\" title=\"Younited Credit\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/younited-credit.webp\" alt=\"Younited Credit\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.37500000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.90\">0,90% &#8211; 22,48%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"1000.00\">1\u00a0000 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"FLOA Bank\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\">\n                <img decoding=\"async\" title=\"FLOA Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/floaxescda-300x110-1.png\" alt=\"FLOA Bank\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"2.90\">2,90% &#8211; 21,58%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 6\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/floa-bank\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MrFinan\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\">\n                <img decoding=\"async\" title=\"MrFinan\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/06\/mrfinan.png\" alt=\"MrFinan\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.50000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.60\">0,60% &#8211; 22,60%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 50\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kreditiweb\">\n            <a target=\"_blank\" rel=\"sponsored nofollow\" href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\">\n                <img decoding=\"async\" title=\"Kreditiweb\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/09\/kreditiweb.png\" alt=\"Kreditiweb\">\n            <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"2.90000000\">\n                        <a href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.9\">2.9<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"0.10\">0,10% &#8211; 21,14%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 100\u00a0000 \u20ac<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" class=\"button is-rounded is-primary comparison-table__button\" target=\"_blank\"\n            > Voir l&rsquo;offre &nbsp;\n            <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\"><\/a>\n            <\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n<p><em>Note : attention, le taux d&rsquo;int\u00e9r\u00eat minimum est souvent un taux promo uniquement applicable pour certains montants et dur\u00e9es d&#8217;emprunt. Nous vous recommandons de faire une simulation pour obtenir un taux personnalis\u00e9.<\/em><\/p>\n\n\n\n<p>Si vous voulez comprendre comment utiliser un simulateur pour obtenir le meilleur pr\u00eat, lisez notre article sur la <a href=\"https:\/\/financera.fr\/credit\/consommation\/simulation\/\">simulation cr\u00e9dit conso<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Meilleur_crdit_consommation_de_fn_date_formatY\">Meilleur cr\u00e9dit consommation de 2025<\/h2>\n\n\n\n<p>Selon Financera,\u00a0<strong>Cetelem propose le meilleur cr\u00e9dit consommation de 2025<\/strong>.<\/p>\n\n\n\n<p>Nous sommes arriv\u00e9s \u00e0 cette conclusion apr\u00e8s avoir analys\u00e9 les offres et les avis clients de plus de 30 organismes de cr\u00e9dit \u00e0 la consommation.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"115\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466-300x96.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>45\u00a0470<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 500\u20ac et 99 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 1,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 10 ans<\/li><li >Not\u00e9 4,8\/5 sur Avis V\u00e9rifi\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">99000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">1.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.48<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">10 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"526\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\">31<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Voici notre avis d\u00e9taill\u00e9 sur le cr\u00e9dit consommation de Cetelem (notes sur 5 \u00e9toiles) :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Note Financera<\/th><\/tr><\/thead><tbody><tr><td><strong><strong>Facilit\u00e9 d\u2019utilisation<\/strong><\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>TAEG et co\u00fbt<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Offre et fonctionnalit\u00e9s<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>S\u00e9curit\u00e9 et confidentialit\u00e9<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Service client<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Avis g\u00e9n\u00e9ral<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Voyons chaque cat\u00e9gorie plus en d\u00e9tails.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Facilit_dutilisation___55\">Facilit\u00e9 d\u2019utilisation &#8211; 5\/5<\/h3>\n\n\n\n<p>Nous avons test\u00e9 la proc\u00e9dure de demande de pr\u00eat, elle est intuitive et rapide \u00e0 remplir. L\u2019interface est minimaliste, ce qui permet de savoir ce qu\u2019il faut faire.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full shortcode-no\"><img decoding=\"async\" width=\"2042\" height=\"1154\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449.png\" alt=\"\" class=\"wp-image-46526\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449.png 2042w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-300x170.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-1024x579.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-768x434.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-1536x868.png 1536w\" sizes=\"(max-width: 2042px) 100vw, 2042px\" \/><\/figure>\n\n\n\n<p>L\u2019espace personnel sur ordinateur et sur l\u2019application mobile est \u00e9galement ergonomique. On re\u00e7oit des emails pour nous tenir au courant de l\u2019avanc\u00e9e de notre dossier, et tout est disponible en temps r\u00e9el sur notre espace personnel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"TAEG_et_cot___45\">TAEG et co\u00fbt &#8211; 4\/5<\/h3>\n\n\n\n<p>Cetelem propose des taux dans la moyenne des banques en ligne pour tous ses cr\u00e9dits \u00e0 la consommation.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Certains organismes de cr\u00e9dit proposent des taux d&rsquo;appel (promo) plus avantageux que Cetelem.<\/p>\n<p>Cependant, faites attention aux taux d\u2019appel, ils ne sont souvent valables que pour une combinaison limit\u00e9e de montants et dur\u00e9es de cr\u00e9dit.<\/p>\n<p>Ainsi, un organisme de cr\u00e9dit offrant un taux d\u2019appel plus bas qu\u2019un autre ne vous garantie pas forc\u00e9ment d\u2019avoir des taux plus bas pour le cr\u00e9dit dont vous avez besoin.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Offre_et_fonctionnalits___55\">Offre et fonctionnalit\u00e9s &#8211; 5\/5<\/h3>\n\n\n\n<p>L\u2019offre de cr\u00e9dit conso de Cetelem est compl\u00e8te : vous pouvez emprunter de 4000 \u00e0 99 000 euros sur 6 mois \u00e0 10 ans. Peu de banques proposent un montant et une dur\u00e9e aussi \u00e9lev\u00e9es pour un cr\u00e9dit \u00e0 la consommation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Scurit_et_confidentialit___55\">S\u00e9curit\u00e9 et confidentialit\u00e9 &#8211; 5\/5<\/h3>\n\n\n\n<p>Nous avons test\u00e9 la proc\u00e9dure de demande de pr\u00eat et tout semble s\u00e9curis\u00e9 et confidentiel. De plus, Cetelem est l\u2019un des plus anciens organismes de cr\u00e9dit fran\u00e7ais et compte plus de 5 millions de clients. Il appartient \u00e9galement \u00e0 BNP Paribas.<\/p>\n\n\n\n<p>L\u2019\u00e9tablissement est \u00e9galement tr\u00e8s bien not\u00e9 sur les sites d\u2019avis clients conformes \u00e0 la l\u00e9gislation (4,8\/5 sur Avis-V\u00e9rifi\u00e9s).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"342\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-1024x342.png\" alt=\"\" class=\"wp-image-46706\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-1024x342.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-300x100.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-768x257.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-1536x513.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/07\/capture-decran-2023-07-27-a-142304-2048x685.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Note Cetelem &#8211; Avis-V\u00e9rifi\u00e9s<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Service_client___45\">Service client &#8211; 4\/5<\/h3>\n\n\n\n<p>Le service client Cetelem est disponible par t\u00e9l\u00e9phone du lundi au vendredi de 8h \u00e0 20h et le samedi de 9h \u00e0 16h, ou bien directement sur votre espace personnel si vous \u00eates client.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Avis_gnral___455\">Avis g\u00e9n\u00e9ral &#8211; 4,5\/5<\/h3>\n\n\n\n<p>Cetelem fait partie de nos plus anciens partenaires. Il est l\u2019un des plus choisis par nos utilisateurs. C\u2019est un organisme reconnu de longue date, et comme ses clients, nous lui faisons confiance.<\/p>\n\n\n\n<p>Son atout est sa gamme de cr\u00e9dit conso tr\u00e8s large (de 4000 \u00e0 99 000 euros sur 6 mois \u00e0 10 ans) et le suivi de l\u2019\u00e9tat d\u2019avancement de notre dossier sur un espace personnel disponible sur ordinateur ou t\u00e9l\u00e9phone mobile.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"115\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466-300x96.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>45\u00a0470<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 500\u20ac et 99 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 1,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 10 ans<\/li><li >Not\u00e9 4,8\/5 sur Avis V\u00e9rifi\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">99000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">1.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.48<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">10 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"526\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\">31<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Pourquoi_avoir_confiance_en_Financera\">Pourquoi avoir confiance en Financera<\/h2>\n\n\n\n<p>Voici pourquoi vous pouvez nous faire confiance :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>\u00a0+1 million de visiteurs aid\u00e9s chaque mois sur Financera Global<\/p>\n<\/li><li><p>\u00a0+2500 organismes financiers partenaires dans le monde<\/p>\n<\/li><li><p>+20 000 avis clients laiss\u00e9s par nos utilisateurs sur Financera Global<\/p>\n<\/li><li><p>Financera aide les consommateurs depuis 2015, dans 26 pays<\/p>\n<\/li><li><p>Comparatif 100% gratuit et transparent<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Nos chiffres cl\u00e9s en bref :<\/p>\n\n\n\n<figure class=\"wp-block-image size-full shortcode-no\"><img decoding=\"async\" width=\"1560\" height=\"334\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles.png\" alt=\"cr\u00e9dit rapide 24h chiffres cl\u00e9s financer.com\" class=\"wp-image-48930\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles.png 1560w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles-300x64.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles-1024x219.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles-768x164.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-chiffres-cles-1536x329.png 1536w\" sizes=\"(max-width: 1560px) 100vw, 1560px\" \/><figcaption class=\"wp-element-caption\">Chiffres cl\u00e9s Financera Global<\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Nous avons obtenu une note de 4,6\/5 sur le site d&rsquo;Avis clients <a href=\"https:\/\/www.reviews.io\/company-reviews\/store\/financer.com\" target=\"_blank\" rel=\"noreferrer noopener\">Reviews.io<\/a> :<\/p>\n\n\n\n<figure class=\"wp-block-image size-full shortcode-no\"><img decoding=\"async\" width=\"2406\" height=\"626\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio.png\" alt=\"\" class=\"wp-image-48921\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio.png 2406w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio-300x78.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio-1024x266.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio-768x200.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio-1536x400.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-reviewio-2048x533.png 2048w\" sizes=\"(max-width: 2406px) 100vw, 2406px\" \/><figcaption class=\"wp-element-caption\">Notation Financera Global sur Reviews.io<\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Les grands m\u00e9dias qui ont parl\u00e9 de nous :<\/p>\n\n\n\n<figure class=\"wp-block-image size-full shortcode-no\"><img decoding=\"async\" width=\"2140\" height=\"242\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias.png\" alt=\"\" class=\"wp-image-48922\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias.png 2140w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias-300x34.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias-1024x116.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias-768x87.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias-1536x174.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2023\/09\/credit-rapide-24h-medias-2048x232.png 2048w\" sizes=\"(max-width: 2140px) 100vw, 2140px\" \/><figcaption class=\"wp-element-caption\">M\u00e9dias qui parlent de Financera Global<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Quest_ce_quun_crdit__la_consommation_\">Qu&rsquo;est ce qu&rsquo;un cr\u00e9dit \u00e0 la consommation ?<\/h2>\n\n\n\n<p><strong>Un cr\u00e9dit consommation est un emprunt aupr\u00e8s de la banque que vous devez ensuite rembourser chaque mois pendant une p\u00e9riode de remboursement pr\u00e9d\u00e9finie.<\/strong><\/p>\n\n\n\n<p>Vous pouvez emprunter entre 500 et 99 000 euros et utiliser l&rsquo;argent pour tout achat ou projet personnel, except\u00e9 de l&rsquo;immobilier. Vous ne devez fournir aucun justificatif d&rsquo;utilisation.<\/p>\n\n\n\n<p>Un cr\u00e9dit conso vous permet de financer tout type de projet, par exemple : un nouvel ordinateur, <a href=\"https:\/\/financera.fr\/credit\/articles\/pret-etudiant\/\">des \u00e9tudes<\/a>, un mariage, des factures impr\u00e9vues, r\u00e9parer votre moto, une voiture, etc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Conditions_crdit_consommation\">Conditions cr\u00e9dit consommation<\/h2>\n\n\n\n<p>Ci-dessous, les informations dont vous avez besoin pour savoir si le cr\u00e9dit \u00e0 la consommation est fait pour vous ou non.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Conditions_pour_obtenirun_crdit__la_consommation\">Conditions pour obtenir\u00a0un cr\u00e9dit \u00e0 la consommation<\/h3>\n\n\n\n<p>Tout d\u2019abord, voici les crit\u00e8res d\u2019\u00e9ligibilit\u00e9 si vous souhaitez faire un cr\u00e9dit \u00e0 la consommation :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>\u00catre majeur (plus de 18 ans)<\/p>\n<\/li><li>\n<p>Avoir son domicile fiscal en France<\/p>\n<\/li><li>\n<p>Revenus r\u00e9guliers et adapt\u00e9s au montant demand\u00e9<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>La banque analysera votre dossier et calculera votre solvabilit\u00e9, c\u2019est \u00e0 dire votre <a href=\"https:\/\/financera.fr\/wiki\/capacite-emprunt\/\">capacit\u00e9 \u00e0 rembourser<\/a> le pr\u00eat. <\/p>\n\n\n\n<p>Au plus le montant d\u2019emprunt que vous demandez est \u00e9lev\u00e9, au plus vos revenus doivent \u00eatre proportionnellement \u00e9lev\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pour_qui_est_le_crdit_consommation_\">Pour qui est le cr\u00e9dit consommation ?<\/h3>\n\n\n\n<p>Le cr\u00e9dit conso est fait pour vous si :<\/p>\n\n\n\n<ul>\n<li>Vous avez besoin d\u2019argent pour financer un projet personnel.<\/li>\n\n\n\n<li>Vous souhaitez \u00e9taler les frais d\u2019un achat dans le temps, gr\u00e2ce aux mensualit\u00e9s du cr\u00e9dit.<\/li>\n\n\n\n<li>Vous faites face \u00e0 un impr\u00e9vu financier et vous n\u2019avez pas les fonds pour le financer.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pour_qui_nest_pas_le_crdit_consommation_\">Pour qui n\u2019est pas le cr\u00e9dit consommation ?<\/h3>\n\n\n\n<p>Le cr\u00e9dit conso n\u2019est pas fait pour vous si :<\/p>\n\n\n\n<ul>\n<li>Si votre\u00a0<a href=\"https:\/\/financera.fr\/wiki\/taux-endettement\/\">taux d\u2019endettement<\/a>\u00a0est sup\u00e9rieur \u00e0 35%. Les banques n\u2019accepteront pas votre demande.<\/li>\n\n\n\n<li>Vous \u00eates fich\u00e9 FCC ou FICP. Les banques n\u2019accepteront pas votre demande.<\/li>\n\n\n\n<li>Vous souhaitez financer l\u2019achat d\u2019un bien immobilier. Dans ce cas, vous devez faire une demande de\u00a0<a href=\"https:\/\/financera.fr\/credit\/immobilier\/\">pr\u00eat immobilier<\/a>.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Si vous avez besoin d\u2019argent rapidement d\u2019un montant inf\u00e9rieur \u00e0 3000 euros, nous vous recommandons le <a href=\"https:\/\/financera.fr\/credit\/rapide\/\">cr\u00e9dit rapide 24h<\/a>.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Justificatifs__fournir\">Justificatifs \u00e0 fournir<\/h2>\n\n\n\n<p>Voici les documents dont vous aurez besoin lors de votre demande de cr\u00e9dit consommation :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>Votre pi\u00e8ce d\u2019identit\u00e9<\/p>\n<\/li><li><p>Votre RIB\u00a0(Relev\u00e9 d\u2019Identit\u00e9 Bancaire)<\/p>\n<\/li><li><p>Un justificatif de domicile<\/p>\n<\/li><li><p>Un justificatif de revenus<\/p>\n<\/li><li><p>Votre dernier avis d\u2019imposition<\/p>\n<\/li><li><p>(optionnel) Si vous avez des cr\u00e9dits en cours, les tableaux d\u2019amortissement de ces cr\u00e9dits<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>La liste des justificatifs \u00e0 fournir peut varier suivant la banque, le montant de votre pr\u00eat et votre situation personnelle. Le meilleur moyen de conna\u00eetre la liste compl\u00e8te est de faire une demande de devis personnalis\u00e9 (sans engagement).<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_blank\"  rel=\"sponsored nofollow\">Demander un cr\u00e9dit conso<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Taux_crdit_consommation__combien_a_cote_\">Taux cr\u00e9dit consommation : combien \u00e7a co\u00fbte ?<\/h2>\n\n\n\n<p>Faire un cr\u00e9dit \u00e0 la consommation entra\u00eene des co\u00fbts, comme tout autre\u00a0<a href=\"https:\/\/financera.fr\/credit\/\">pr\u00eat<\/a>\u00a0:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Frais d\u2019int\u00e9r\u00eat<\/strong> \u2013 d\u00e9termin\u00e9 par le taux d\u2019int\u00e9r\u00eat appliqu\u00e9.<\/p>\n<\/li><li>\n<p><strong>Frais additionnels \u00e9ventuels <\/strong>\u2013 assurance, dossier, etc.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Si vous choisissez le cr\u00e9dit consommation en ligne, toute la proc\u00e9dure se fait 100% sur internet. De ce fait, vous n\u2019avez\u00a0<strong>aucun frais de dossier \u00e0 payer.<\/strong>\u00a0De plus, l\u2019assurance est souvent facultative.<\/p>\n\n\n\n<p>Pour estimer le co\u00fbt total d\u2019un pr\u00eat, vous devez utiliser le\u00a0<a href=\"https:\/\/financera.fr\/wiki\/taeg\/\">TAEG<\/a>\u00a0(Taux Annuel Effectif Global).<\/p>\n\n\n\n<p>C&rsquo;est le taux d\u2019emprunt. Il prend en compte la totalit\u00e9 des frais occasionn\u00e9s par un pr\u00eat (int\u00e9r\u00eats, dossier, assurance et frais annexes).<\/p>\n\n\n\n<p>Voici un\u00a0<strong>tableau de simulation cr\u00e9dit consommation en ligne avec des exemples<\/strong>\u00a0pour vous aider \u00e0 comprendre les co\u00fbts associ\u00e9s :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Montant<\/th><th>Dur\u00e9e<\/th><th>TAEG<\/th><th>Mensualit\u00e9<\/th><th>Frais de dossier<\/th><th>Frais d\u2019int\u00e9r\u00eat (total)<\/th><th>Co\u00fbt total du cr\u00e9dit<\/th><\/tr><\/thead><tbody><tr><td><strong>5 000\u20ac<\/strong><\/td><td><strong>18 mois<\/strong><\/td><td>12,93%<\/td><td>305,42\u20ac<\/td><td>0\u20ac<\/td><td>497,56\u20ac<\/td><td>5 497,56\u20ac<\/td><\/tr><tr><td><strong>5 000\u20ac<\/strong><\/td><td><strong>24 mois<\/strong><\/td><td>12,93%<\/td><td>235,88\u20ac<\/td><td>0\u20ac<\/td><td>661,12\u20ac<\/td><td>5 661,12\u20ac<\/td><\/tr><tr><td><strong>10 000\u20ac<\/strong><\/td><td><strong>48 mois<\/strong><\/td><td>7,31%<\/td><td>239,83\u20ac<\/td><td>0\u20ac<\/td><td>1 511,84\u20ac<\/td><td>11 511,84\u20ac<\/td><\/tr><tr><td><strong>10 000\u20ac<\/strong><\/td><td><strong>60 mois<\/strong><\/td><td>7,31%<\/td><td>198,39\u20ac<\/td><td>0\u20ac<\/td><td>1 903,40\u20ac<\/td><td>11 903,40\u20ac<\/td><\/tr><tr><td><strong>12 000\u20ac<\/strong><\/td><td><strong>54 mois<\/strong><\/td><td>7,10%<\/td><td>259,03<\/td><td>0\u20ac<\/td><td>1 987,62\u20ac<\/td><td>13 987,62\u20ac<\/td><\/tr><tr><td><strong>12 000\u20ac<\/strong><\/td><td><strong>60 mois<\/strong><\/td><td>7,10%<\/td><td>236,94\u20ac<\/td><td>0\u20ac<\/td><td>2 216,40\u20ac<\/td><td>14 216,40\u20ac<\/td><\/tr><tr><td><strong>20 000\u20ac<\/strong><\/td><td><strong>60 mois<\/strong><\/td><td>7,10%<\/td><td>394,89\u20ac<\/td><td>0\u20ac<\/td><td>3 693,40\u20ac<\/td><td>23 693,40\u20ac<\/td><\/tr><tr><td><strong>20 000\u20ac<\/strong><\/td><td><strong>66 mois<\/strong><\/td><td>7,10%<\/td><td>364,83\u20ac<\/td><td>0\u20ac<\/td><td>4 078,78\u20ac<\/td><td>24 078,78\u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Simulation cr\u00e9dit consommation \u2013 Mis \u00e0 jour : janvier 2025<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Comment_faire_un_crdit__la_consommation_\">Comment faire un cr\u00e9dit \u00e0 la consommation ?<\/h2>\n\n\n\n<p>Souscrire un cr\u00e9dit conso est tr\u00e8s simple, il vous suffit de suivre les \u00e9tapes suivantes.<\/p>\n\n\n\n<p>Nous avons test\u00e9 les formulaires de demande de plusieurs organismes de cr\u00e9dit. Tout est intuitif et facile \u00e0 compl\u00e9ter. Nous vous donnons un maximum de d\u00e9tails ci-dessous, pour que vous ayez une meilleure id\u00e9e de la proc\u00e9dure \u00e0 suivre.<\/p>\n\n\n\n<p>Pour illustrer la proc\u00e9dure, nous vous donnons l\u2019exemple du cr\u00e9dit conso\u00a0<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\">Cetelem<\/a>.<\/p>\n\n\n<h4>\u00c9tapes \u00e0 suivre<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Aller sur le site de l\u2019organisme<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Faire votre simulation de cr\u00e9dit<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Accepter l\u2019offre ou refaire la simulation<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Remplir le formulaire de demande<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Affichage de la r\u00e9ponse<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_6\">6. \u00c9tude de votre dossier<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_7\">7. Monter votre dossier<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_8\">8. Signer votre contrat de pr\u00eat<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">\u00c9tape 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Aller-sur-le-site-de-lorganisme\">Aller sur le site de l\u2019organisme<\/h3><p><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\" data-rich-text-format-boundary=\"true\">Cliquez ici<\/a> pour \u00eatre redirig\u00e9 vers le simulateur de cr\u00e9dit conso de Cetelem.<img decoding=\"async\" class=\"aligncenter wp-image-46514 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037.png\" alt=\"\" width=\"2128\" height=\"1140\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037.png 2128w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037-300x161.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037-1024x549.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037-768x411.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037-1536x823.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153037-2048x1097.png 2048w\" sizes=\"(max-width: 2128px) 100vw, 2128px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">\u00c9tape 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Faire-votre-simulation-de-credit\">Faire votre simulation de cr\u00e9dit<\/h3>S\u00e9lectionnez :\n<ol>\n<li><strong>Votre projet<\/strong><\/li>\n<li><strong>Le montant d\u00e9sir\u00e9<\/strong><\/li>\n<li><strong>Une mensualit\u00e9 ou une dur\u00e9e de remboursement d\u00e9sir\u00e9e<\/strong><\/li>\n<\/ol>\nEt cliquez sur\u00a0<strong><em>Simulez<\/em><\/strong>\u00a0pour lancer votre demande de simulation de cr\u00e9dit personnalis\u00e9e et sans engagement.\n<img decoding=\"async\" class=\"aligncenter wp-image-46515 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153445.png\" alt=\"\" width=\"1252\" height=\"918\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153445.png 1252w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153445-300x220.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153445-1024x751.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153445-768x563.png 768w\" sizes=\"(max-width: 1252px) 100vw, 1252px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">\u00c9tape 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Accepter-loffre-ou-refaire-la-simulation\">Accepter l\u2019offre ou refaire la simulation<\/h3><strong>Une simulation personnalis\u00e9e compl\u00e8te et d\u00e9taill\u00e9e<\/strong>, accompagn\u00e9e d\u2019un exemple type s\u2019affichent \u00e0 l\u2019\u00e9cran.\nCela vous permet de visualiser l\u2019emprunt que vous pourriez r\u00e9aliser avec Cetelem.\nSi les conditions du cr\u00e9dit propos\u00e9 vous conviennent, vous pouvez cliquer sur\u00a0<strong><i>Poursuivre ma demande<\/i><\/strong>.\n<em>Note : Si elles ne vous conviennent pas, vous pouvez ajuster les \u00e9l\u00e9ment de votre simulation (montant, mensualit\u00e9 et dur\u00e9e).<\/em>\n<img decoding=\"async\" class=\"aligncenter wp-image-46522 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907.png\" alt=\"\" width=\"2072\" height=\"1244\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907.png 2072w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907-300x180.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907-1024x615.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907-768x461.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907-1536x922.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-153907-2048x1230.png 2048w\" sizes=\"(max-width: 2072px) 100vw, 2072px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">\u00c9tape 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Remplir-le-formulaire-de-demande\">Remplir le formulaire de demande<\/h3><strong>Remplissez le formulaire de demande \u00e9tape par \u00e9tape<\/strong>.\nNous avons test\u00e9 la proc\u00e9dure, cela prend 5 \u00e0 10 minutes maximum \u00e0 remplir. Vous aurez 4 cat\u00e9gories avec quelques questions pour chacune d\u2019elle :\n<ol>\n<li><strong>Identit\u00e9<\/strong>\u00a0\u2013 Informations d\u2019identit\u00e9, email et num\u00e9ro de t\u00e9l\u00e9phone (<em>\note : vous pouvez choisir de refuser l\u2019appel d\u2019un conseiller<\/em>).<\/li>\n<li><strong>Informations personnelles<\/strong>\u00a0\u2013 Nationalit\u00e9, situation familiale, adresse, type de r\u00e9sidence principale et situation professionnelle.<\/li>\n<li><strong>Budget<\/strong>\u00a0\u2013 Vos revenus, charges de votre foyer et votre banque actuelle.<\/li>\n<li><strong>Assurance<\/strong>\u00a0\u2013 Choix d\u2019adh\u00e9rer \u00e0 l\u2019Assurance Emprunteur facultative de Cetelem ou non (<em>\note : des informations d\u00e9taill\u00e9es sur l\u2019assurance sont disponibles<\/em>)<\/li>\n<\/ol>\n<img decoding=\"async\" class=\"aligncenter wp-image-46526 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449.png\" alt=\"\" width=\"2042\" height=\"1154\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449.png 2042w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-300x170.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-1024x579.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-768x434.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-23-a-154449-1536x868.png 1536w\" sizes=\"(max-width: 2042px) 100vw, 2042px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">\u00c9tape 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Affichage-de-la-reponse\">Affichage de la r\u00e9ponse<\/h3>Une fois le formulaire remplir, la r\u00e9ponse de Cetelem s\u2019affiche. Bon, la plupart du temps (tout le temps probablement) vous ne recevrez pas de r\u00e9ponse de principe imm\u00e9diate.\nIl s\u2019agit surtout d\u2019une\u00a0<strong>confirmation que votre demande de cr\u00e9dit a bien \u00e9t\u00e9 prise en compte<\/strong>.\nCetelem vous indique que votre dossier est transmis au service \u00e9tude et qu\u2019un conseiller prendra contact avec vous par email dans les plus brefs d\u00e9lais.\n<img decoding=\"async\" class=\"aligncenter wp-image-46556 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142.png\" alt=\"avis cetelem\" width=\"2092\" height=\"1004\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142.png 2092w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142-300x144.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142-1024x491.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142-768x369.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142-1536x737.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-24-a-161142-2048x983.png 2048w\" sizes=\"(max-width: 2092px) 100vw, 2092px\" \/>\nAu m\u00eame moment, vous recevez \u00e9galement un email de confirmation de votre demande de cr\u00e9dit, avec les m\u00eames informations.\n<img decoding=\"async\" class=\"aligncenter wp-image-46586 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851.png\" alt=\"avis cetelem\" width=\"1820\" height=\"972\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851.png 1820w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851-300x160.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851-1024x547.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851-768x410.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-144851-1536x820.png 1536w\" sizes=\"(max-width: 1820px) 100vw, 1820px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_6\">\u00c9tape 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Etude-de-votre-dossier\">\u00c9tude de votre dossier<\/h3>Le lendemain, vous recevrez un email de Cetelem ainsi qu\u2019un code par sms avec vos identifiants de connexion \u00e0 votre espace personnel Cetelem. Ce qui permet de suivre l\u2019\u00e9tude de votre dossier.\nNous appr\u00e9cions cette \u00e9tape dans la demande de cr\u00e9dit qui permet d\u2019\u00eatre serein quant \u00e0 la prise en compte de notre dossier par Cetelem.\n<img decoding=\"async\" class=\"aligncenter wp-image-46588 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304.png\" alt=\"avis cetelem\" width=\"1956\" height=\"1078\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304.png 1956w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304-300x165.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304-1024x564.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304-768x423.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-145304-1536x847.png 1536w\" sizes=\"(max-width: 1956px) 100vw, 1956px\" \/>\nVous pourrez acc\u00e9der \u00e0 votre espace personnel \u00e0 la fois sur le site de Cetelem depuis votre ordinateur, ou sur l\u2019application Cetelem depuis votre t\u00e9l\u00e9phone portable.\nVoici par exemple l\u2019interface de connexion sur le site Cetelem :\n<img decoding=\"async\" class=\"aligncenter wp-image-46589 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044.png\" alt=\"avis cetelem\" width=\"1960\" height=\"1244\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044.png 1960w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044-300x190.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044-1024x650.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044-768x487.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-150044-1536x975.png 1536w\" sizes=\"(max-width: 1960px) 100vw, 1960px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_7\">\u00c9tape 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Monter-votre-dossier\">Monter votre dossier<\/h3>Un conseiller Cetelem reviendra vers vous pour :\n<ul>\n<li>Vous donner une r\u00e9ponse de principe avec les instructions pour monter votre dossier<\/li>\n<li>Vous demander des informations compl\u00e9mentaires si besoin<\/li>\n<\/ul>\nSi la r\u00e9ponse de Cetelem est positive, vous pouvez\u00a0<strong>monter votre dossier<\/strong>\u00a0avec les informations et les pi\u00e8ces justificatives demand\u00e9es.\nVous envoyez ensuite votre dossier compl\u00e9t\u00e9 par email. Tout se fait 100% en ligne.\nNotre demande test a re\u00e7u une r\u00e9ponse de principe n\u00e9gative que nous avons re\u00e7u par email 2 jours apr\u00e8s notre demande en ligne. Assez rapide !\n<img decoding=\"async\" class=\"aligncenter wp-image-46593\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-143151-e1690434141155.png\" alt=\"avis cetelem\" width=\"500\" height=\"463\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-143151-e1690434141155.png 992w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-143151-e1690434141155-300x278.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/08\/capture-decran-2023-07-26-a-143151-e1690434141155-768x711.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_8\">\u00c9tape 8<\/div><div class=\"single-article__steps-content\"><h3 id=\"Signer-votre-contrat-de-pret\">Signer votre contrat de pr\u00eat<\/h3><strong>Cetelem \u00e9tudie votre dossier<\/strong>\u00a0et vous donnera une r\u00e9ponse d\u00e9finitive sous plusieurs jours.\nSi l\u2019organisme vous donne une r\u00e9ponse d\u00e9finitive positive, vous pouvez accepter la proposition et signer votre contrat de pr\u00eat d\u00e9finitif.\nVous avez 14 jours pour vous d\u00e9cider.\nUne fois le contrat sign\u00e9, vous recevez vos fonds et vous pouvez lancer vos projets !<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"115\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2022\/01\/cetelem-logo-e1670831611466-300x96.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>45\u00a0470<\/strong> fois<\/span><ul class=\"items-content__card-list\"><li >Emprunt entre 500\u20ac et 99 000\u20ac 100% en ligne<\/li><li >TAEG \u00e0 partir de 1,90%<\/li><li >Dur\u00e9e de remboursement entre 6 mois et 10 ans<\/li><li >Not\u00e9 4,8\/5 sur Avis V\u00e9rifi\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant min<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Montant max<\/span><span class=\"items-content__card-datapoint-value\">99000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG min<\/span><span class=\"items-content__card-datapoint-value\">1.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">TAEG max<\/span><span class=\"items-content__card-datapoint-value\">22.48<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e min<\/span><span class=\"items-content__card-datapoint-value\">6 mois<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Dur\u00e9e max<\/span><span class=\"items-content__card-datapoint-value\">10 ans<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">FCC &#038; FICP<\/span><span class=\"items-content__card-datapoint-value\">Non. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c2ge minimum<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"526\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Voir l&rsquo;offre<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\"  class=\"button is-rounded items-content__card-more-info\">En savoir plus<\/a><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">Lire&nbsp;<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/#read-reviews\">31<\/strong>&nbsp;avis client<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Ce_quil_faut_savoir_avant_demprunter\">Ce qu&rsquo;il faut savoir avant d&#8217;emprunter<\/h3>\n\n\n\n<p>Voici des informations importantes \u00e0 conna\u00eetre avant de faire un cr\u00e9dit \u00e0 la consommation :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Conditions<\/strong>\u00a0: les banques n\u2019accorde pas de cr\u00e9dit aux personnes inscrites au FICP (fichier des incidents de remboursement des cr\u00e9dits aux particuliers) ou interdit bancaire.<\/p>\n<\/li><li><p><strong>Proc\u00e9dure<\/strong>\u00a0: la proc\u00e9dure peut vari\u00e9e suivant la banque que vous choisissez, et votre demande.<\/p>\n<\/li><li><p><strong>TAEG<\/strong>\u00a0: le taux d\u2019emprunt peut varier entre les annonces sur internet et l\u2019offre que vous fera la banque. En effet, le taux appliqu\u00e9 d\u00e9pend du pr\u00eat demand\u00e9 (montant et dur\u00e9e), mais aussi de votre situation personnelle. Le meilleur moyen de conna\u00eetre le TAEG qui vous sera appliqu\u00e9 est de faire une\u00a0<a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\">demande de devis personnalis\u00e9 (sans engagement)<\/a>.<\/p>\n<\/li><li><p><strong>Montant d\u2019emprunt<\/strong>\u00a0: le montant accord\u00e9 d\u00e9pend de votre demande bien s\u00fbr, mais aussi de votre situation personnelle.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQ_crdit_consommation_en_ligne\">FAQ cr\u00e9dit consommation en ligne<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Cr\u00e9dit consommation sans justificatif, est-ce possible ?<\/h4><div class=\"faq_inner\"><p>Un cr\u00e9dit consommation sans justificatif d&rsquo;utilisation de l&rsquo;argent est possible. Cela signifie que vous pouvez utiliser l&rsquo;argent comme bon vous semble, du moment que ce n&rsquo;est pas pour acheter un bien immobilier.\u00a0<\/p>\n<p>Par contre, comme tout\u00a0<a href=\"https:\/\/financera.fr\/credit\/\">cr\u00e9dit<\/a>, vous devrez fournir au minimum une pi\u00e8ce d&rsquo;identit\u00e9. Le\u00a0<a href=\"https:\/\/financera.fr\/credit\/rapide\/\">cr\u00e9dit consommation rapide<\/a>\u00a0est le type de pr\u00eat consommation qui vous demandera le moins de justificatifs.<\/p><\/div><h4>Comment trouver le meilleur taux cr\u00e9dit \u00e0 la consommation ?<\/h4><div class=\"faq_inner\"><p>Pour d\u00e9nicher le meilleur taux cr\u00e9dit \u00e0 la consommation, nous vous conseillons d&rsquo;utiliser un\u00a0comparateur de cr\u00e9dit consommation\u00a0comme celui <a href=\"https:\/\/financera.fr\/credit\/consommation\/#top\" data-wplink-edit=\"true\">en haut de cette page<\/a>.\u00a0<\/p><\/div><h4>Quel est le montant maximum d&rsquo;un cr\u00e9dit consommation ?<\/h4><div class=\"faq_inner\"><p>Le montant maximum d&rsquo;un cr\u00e9dit consommation est en g\u00e9n\u00e9ral de 75 000 euros. Mais cela d\u00e9pend des banques. Certaines ont un plafond \u00e0 99 000 euros quand d&rsquo;autres \u00e0 30 000 euros.<\/p><\/div><h4>Peut-on avoir plusieurs cr\u00e9dits \u00e0 la consommation ?<\/h4><div class=\"faq_inner\"><p>Oui, vous pouvez contracter plusieurs cr\u00e9dits \u00e0 la consommation du moment que vous respecter la limite de\u00a0<strong>35% d&rsquo;endettement<\/strong>. Toutes les banques v\u00e9rifieront vos cr\u00e9dits en cours avant de vous accorder un nouveau pr\u00eat consommation.<\/p><\/div><h4>Quelle est la r\u00e9glementation cr\u00e9dit consommation ?<\/h4><div class=\"faq_inner\"><p>Pour en savoir plus sur la r\u00e9glementation cr\u00e9dit consommation, r\u00e9f\u00e9rez-vous \u00e0 :<\/p>\n<ul>\n<li><a href=\"https:\/\/financera.fr\/credit\/consommation\/#Rglementation_crdit_consommation\">Nos liens utiles sur cet article<\/a><\/li>\n<li><a href=\"https:\/\/financera.fr\/blog\/loi-lagarde-credit-consommation\/\">Notre article sur la Loi Lagarde de 2010<\/a>.<\/li>\n<\/ul><\/div><h4>Comment obtenir un devis cr\u00e9dit consommation ?<\/h4><div class=\"faq_inner\"><p>Pour obtenir un devis cr\u00e9dit consommation, vous devez faire une demande de cr\u00e9dit consommation aupr\u00e8s d&rsquo;une banque.<\/p>\n<p>Vous pouvez faire cette demande directement en ligne, gratuitement et sans engagement. Suivez notre tutoriel plus haut sur cette page.<\/p>\n<p>Nous vous recommandons l&rsquo;organisme Cetelem. <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Cliquez ici<\/a> pour faire une demande de devis cr\u00e9dit consommation gratuit et sans engagement.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Combien_pouvez_vous_emprunter_\">Combien pouvez-vous emprunter ?<\/h2>\n\n\n\n<p><strong>Vous pouvez emprunter entre 500\u20ac\u00a0et 99 000\u20ac avec le cr\u00e9dit consommation en ligne.<\/strong><\/p>\n\n\n\n<p>Le montant d\u00e9pend de plusieurs facteurs :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>L\u2019organisme de cr\u00e9dit conso<\/strong>\u00a0que vous choisissez. Certains proposent un maximum d\u2019emprunt \u00e0 35 000\u20ac, quand d\u2019autres proposent jusqu\u2019\u00e0 99 000\u20ac par exemple.<\/p>\n<\/li><li><p><strong>Votre capacit\u00e9 d\u2019emprunt<\/strong>. C\u2019est \u00e0 dire le montant mensuel que vous serez capable de rembourser. Au plus votre capacit\u00e9 de remboursement est \u00e9lev\u00e9e, au plus vous pourrez emprunter un montant \u00e9lev\u00e9. Si vous avez des cr\u00e9dits en cours, faites attention \u00e0 ce que votre\u00a0<a href=\"https:\/\/financera.fr\/wiki\/taux-endettement\/\">taux d\u2019endettement<\/a>\u00a0soit inf\u00e9rieur \u00e0 35%.<\/p>\n<\/li><li><p><strong>D\u2019autres crit\u00e8res<\/strong>\u00a0d\u00e9finis par chacun des organismes. Chaque pr\u00eateur a des crit\u00e8res pr\u00e9d\u00e9finis pour accorder un cr\u00e9dit, bas\u00e9s sur votre situation personnelle, financi\u00e8re et professionnelle, ainsi que vos cr\u00e9dits en cours.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Pour vous aider \u00e0 choisir le montant et l\u2019organisme de cr\u00e9dit \u00e0 la consommation le plus adapt\u00e9 \u00e0 votre situation, nous avons cr\u00e9\u00e9 un article pour chacun des montants d\u2019emprunt les plus populaires.<\/p>\n\n\n\n<p>Dans chaque article, nous vous proposons un liste des meilleures offres pour ce montant, ainsi que des informations cl\u00e9s \u00e0 savoir pour ce type d\u2019emprunt.<\/p>\n\n\n\n<p><strong>Cliquez sur le montant d\u2019emprunt de votre choix (dans le tableau ci-dessous) pour voir les meilleures offres de cr\u00e9dit conso.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes shortcode-no\"><table><thead><tr><th>Montants cr\u00e9dit conso<\/th><th><\/th><\/tr><\/thead><tbody><tr><td><a rel=\"noreferrer noopener\" href=\"https:\/\/financera.fr\/credit\/500-euros\/\" target=\"_blank\">Cr\u00e9dit conso 500 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/600-euros\/\">Cr\u00e9dit conso 600 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/700-euros\/\">Cr\u00e9dit conso 700 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/800-euros\/\">Cr\u00e9dit conso 800 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/1000-euros\/\">Cr\u00e9dit conso 1000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/2000-euros\/\">Cr\u00e9dit conso 2000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/3000-euros\/\">Cr\u00e9dit conso 3000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/4000-euros\/\">Cr\u00e9dit conso 4000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/5000-euros\/\">Cr\u00e9dit conso 5000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/6000-euros\/\">Cr\u00e9dit conso 6000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/7000-euros\/\">Cr\u00e9dit conso 7000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/8000-euros\/\">Cr\u00e9dit conso 8000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/9000-euros\/\">Cr\u00e9dit conso 9000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/10000-euros\/\">Cr\u00e9dit conso 10 000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/20000-euros\/\">Cr\u00e9dit conso 20 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/30000-euros\/\">Cr\u00e9dit conso 30 000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/40000-euros\/\">Cr\u00e9dit conso 40 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/50000-euros\/\">Cr\u00e9dit conso 50 000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/60000-euros\/\">Cr\u00e9dit conso 60 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/75000-euros\/\">Cr\u00e9dit conso 75 000 euros<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantages_et_inconvnients_du_crdit__la_consommation\">Avantages et inconv\u00e9nients du cr\u00e9dit \u00e0 la consommation<\/h2>\n\n\n\n<p>Devez-vous faire un cr\u00e9dit \u00e0 la consommation ? Ci-dessous les avantages et les inconv\u00e9nients.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Avantages_du_crdit_conso\">Avantages du cr\u00e9dit conso<\/h3><li><p><strong>Versement des fonds rapide<\/strong>. Lorsque vous faites un cr\u00e9dit conso en ligne, la proc\u00e9dure est acc\u00e9l\u00e9r\u00e9e. Votre dossier est envoy\u00e9 en instantan\u00e9 et les conseiller ne sont pas sollicit\u00e9s par des RDV clients comme dans une banque traditionnelle.<\/p>\n<\/li><li><p><strong>Vous pouvez utiliser l\u2019argent comme vous le souhaitez<\/strong>. Pas de justificatif \u00e0 fournir. Tant que vous remboursez votre cr\u00e9dit, la banque ne vous pose pas de question.<\/p>\n<\/li><li><p><strong>Pas de mauvaise surprise<\/strong>. Vous recevez les fonds en une fois sur votre compte. Le taux est fixe. Le montant \u00e0 rembourser chaque mois est d\u00e9fini dans le contrat. Vous savez quand vous aurez fini de rembourser. Vous pouvez donc\u00a0<a href=\"https:\/\/financera.fr\/epargner\/\">pr\u00e9voir votre budget<\/a>\u00a0\u00e0 l\u2019avance.<\/p>\n<\/li><li><p><strong>Pas besoin de vous d\u00e9placer en agence<\/strong>. Comme la proc\u00e9dure est 100% en ligne, vous pouvez faire votre pr\u00eat tranquillement depuis votre canap\u00e9. Vous pouvez aussi d\u00e9cider de contacter votre conseiller par t\u00e9l\u00e9phone ou par email.<\/p>\n<\/li><li><p><strong>La demande de cr\u00e9dit consommation est sans engagement<\/strong>. Vous pouvez demander un devis personnalis\u00e9 en toute simplicit\u00e9, recevoir l\u2019offre et d\u00e9cider de ne pas l\u2019accepter, ou de choisir celle d\u2019une autre banque, sans aucune cons\u00e9quence.<\/p>\n<\/li><li><p><strong>Un cr\u00e9dit consoest facile \u00e0 obtenir<\/strong>. Si vous avez des revenus r\u00e9guliers, que vous g\u00e9rez votre budget sans encombre et que vous \u00eates en mesure de rembourser votre cr\u00e9dit (<a href=\"https:\/\/financera.fr\/wiki\/taux-endettement\/\">taux d\u2019endettement<\/a>\u00a0inf\u00e9rieur \u00e0 35%), la banque n\u2019a pas de raison de refuser.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Inconvnients_du_crdit_conso\">Inconv\u00e9nients du cr\u00e9dit conso<\/h3><li><p><strong>Taux d\u2019int\u00e9r\u00eat pouvant \u00eatre \u00e9lev\u00e9<\/strong>. Les organismes de cr\u00e9dit \u00e0 la consommation affichent souvent des taux d\u2019appel tr\u00e8s aguicheurs (de 0,10% \u00e0 1,90%) mais ces taux s\u2019appliquent uniquement pour des offres pr\u00e9d\u00e9finies de montant et dur\u00e9e.<\/p>\n<\/li><li><p><strong>Vous devez rembourser chaque mois<\/strong>. Une fois le cr\u00e9dit conclu, vous aurez des mensualit\u00e9s \u00e0 payer chaque mois pour rembourser l\u2019argent emprunt\u00e9.<\/p>\n<\/li><li><p><strong>Difficile de choisir chez qui emprunter<\/strong>. Il existe de nombreuses offres sur Internet. Il est donc difficile de savoir par o\u00f9 commencer et d\u2019identifier la plus avantageuse. Heureusement, Financera est l\u00e0 pour vous \u00e9clairer.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_que_vous_devez_retenir_de_larticle\">Ce que vous devez retenir de l\u2019article<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><ul>\n<li><strong>Le cr\u00e9dit consommation est le meilleur moyen de financer tous vos projets<\/strong> <strong>personnels<\/strong>, sans justification d\u2019utilisation.<\/li>\n<li><strong>Modalit\u00e9s du pr\u00eat<\/strong> : 500\u20ac \u00e0 99 000\u20ac remboursable sur 6 mois \u00e0 10 ans (119 mois)<\/li>\n<li><strong>Taux<\/strong>\u00a0: 0,10% \u00e0 21,60%<\/li>\n<li><strong>Justificatifs<\/strong>\u00a0: pi\u00e8ce d\u2019identit\u00e9, RIB, justificatif de domicile, justificatif de revenus, et dernier avis d\u2019imposition.<\/li>\n<li><strong>Demande<\/strong>\u00a0: proc\u00e9dure simple et 100% en ligne, environ 15 minutes pour faire une demande de devis personnalis\u00e9.<\/li>\n<li><strong>Conditions<\/strong>\u00a0: \u00eatre majeur (plus de 18 ans), avoir son domicile fiscal en France, revenus r\u00e9guliers et adapt\u00e9s au montant demand\u00e9.<\/li>\n<li><strong>Simulation<\/strong> : Pour un cr\u00e9dit conso de 10 000\u20ac sur 60 mois (5 ans) au TAEG de 7,31%, vous remboursez 198,39\u20ac\/mois. Les frais d\u2019int\u00e9r\u00eats s\u2019\u00e9l\u00e8vent \u00e0 1 903,40\u20ac et le co\u00fbt total du cr\u00e9dit est de 11 903,40\u20ac. Pour faire une simulation personnalis\u00e9e, utilisez notre <a href=\"https:\/\/financera.fr\/credit\/consommation\/#top\">simulateur en haut de page<\/a>.<\/li>\n<li><strong>Meilleur cr\u00e9dit consommation<\/strong>\u00a0: apr\u00e8s avoir longuement \u00e9tudi\u00e9 et test\u00e9 les offres de plus de 30 organismes de cr\u00e9dit en ligne, nous recommandons le\u00a0<a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">cr\u00e9dit conso de Cetelem<\/a>.<\/li>\n<\/ul><\/div>\n\n\n<p>Derri\u00e8re cet article, il y a plus de 20 heures de recherche, d\u2019\u00e9tude des documents officiels, et de d\u00e9chiffrage des conditions des <a href=\"https:\/\/financera.fr\/credit\/liste-organisme\/\">organismes de cr\u00e9dit \u00e0 la consommation<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Rglementation_crdit_consommation\">R\u00e8glementation cr\u00e9dit consommation<\/h2>\n\n\n\n<p>Ci-dessous, quelques ressources officielles et conforme \u00e0 la r\u00e8glementation fran\u00e7aise si vous souhaitez en savoir plus sur le\u00a0cr\u00e9dit \u00e0 la consommation.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/N96\" target=\"_blank\">Site service-public.fr<\/a>\u00a0\u2013 Informations officielles de l\u2019administration fran\u00e7aise sur le cr\u00e9dit consommation<\/p>\n<\/li><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/files\/finances\/presse\/dossiers_de_presse\/110203creditconso.pdf\" target=\"_blank\">Document officiel Loi Lagarde 2010<\/a>\u00a0\u2013 Pour en savoir plus sur vos droits en tant qu\u2019emprunteur d\u2019un cr\u00e9dit \u00e0 la consommation, sur le site Economie-gouv.fr<\/p>\n<\/li><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lafinancepourtous.com\/\" target=\"_blank\">Site La Finance pour tous<\/a>\u00a0\u2013 P\u00e9dagogie financi\u00e8re de l\u2019Institut pour l\u2019Education Financi\u00e8re du Public, agr\u00e9\u00e9 par le Minist\u00e8re de l\u2019Education nationale<\/p>\n<\/li><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.banque-france.fr\/statistiques\/taux-et-cours\/taux-dusure\/taux-dusure-mensuel\" target=\"_blank\">Taux d\u2019usure officiel et actualis\u00e9<\/a>\u00a0\u2013 Sur le site officiel de la Banque de France<\/p>\n<\/li><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.orias.fr\/\" target=\"_blank\">Site de l\u2019ORIAS<\/a>\u00a0\u2013 Organisme pour le registre unique des interm\u00e9diaires en assurance, banque et finance<\/p>\n<\/li><li>\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/acpr.banque-france.fr\/\" target=\"_blank\">Site de l\u2019ACPR<\/a>\u00a0\u2013 Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution, institution int\u00e9gr\u00e9e \u00e0 la Banque de France<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>Un cr\u00e9dit vous engage et doit \u00eatre rembours\u00e9. V\u00e9rifiez vos capacit\u00e9s de remboursement avant de vous engager.<\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.fr\/credit\/consommation\/#top\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_self\"  >Comparer les cr\u00e9dits conso<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Le cr\u00e9dit consommation est le meilleur moyen de financer vos projets personnels, sans justificatif d&rsquo;utilisation. Vous pouvez emprunter de 500\u20ac\u2026 <\/p>\n","protected":false},"author":54,"featured_media":81201,"parent":373,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[379],"tags":[],"_links":{"self":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/22139"}],"collection":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/comments?post=22139"}],"version-history":[{"count":50,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/22139\/revisions"}],"predecessor-version":[{"id":82596,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/22139\/revisions\/82596"}],"up":[{"embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/media\/81201"}],"wp:attachment":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/media?parent=22139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/categories?post=22139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/tags?post=22139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}