{"id":5571,"date":"2018-11-23T10:10:25","date_gmt":"2018-11-23T08:10:25","guid":{"rendered":"https:\/\/financera.fr\/?page_id=5571"},"modified":"2024-11-13T12:20:26","modified_gmt":"2024-11-13T11:20:26","slug":"40000-euros","status":"publish","type":"page","link":"https:\/\/financera.fr\/credit\/40000-euros\/","title":{"rendered":"Cr\u00e9dit 40 000 euros"},"content":{"rendered":"\n<p><strong>Le cr\u00e9dit 40 000 euros est le meilleur moyen de financer une nouvelle voiture, des travaux ou un projet personnel<\/strong>.<\/p>\n\n\n\n<p>Vous pouvez pouvez emprunter 100% en ligne, et rembourser sur 6 \u00e0 84 mois.<\/p>\n\n\n\n<p>Mais attention, il existe diff\u00e9rents types de pr\u00eat 40 000 euros et vous devez bien choisir votre banque pour ne pas payer de frais inutiles.<\/p>\n\n\n\n<p>L&rsquo;\u00e9quipe Financera a pris le temps de faire des recherches et tests sur le <a href=\"https:\/\/financera.fr\/credit\/auto\/\">cr\u00e9dit auto<\/a>, le pr\u00eat personnel et le <a href=\"https:\/\/financera.fr\/credit\/travaux\/\">cr\u00e9dit travaux<\/a> afin de vous aider \u00e0 <strong>bien choisir votre cr\u00e9dit, payer le moins de frais possible, et recevoir vos fonds rapidement.<\/strong><\/p>\n\n\n\n<p>Allons-y&#8230;<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>Meilleurs cr\u00e9dits 40 000 euros de 2025 <\/h3><ul>\n<li><strong>Meilleur pr\u00eat personnel<\/strong> : <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Cetelem<\/a><\/li>\n<li><strong>Service client 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>Pour une alternative de qualit\u00e9<\/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_40_000_euros\">Aper\u00e7u du cr\u00e9dit 40 000 euros<\/h2>\n\n\n\n<p>Avant de continuer, voici un tableau r\u00e9capitulatif des informations les plus importantes :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Cr\u00e9dit 40 000 euros<\/th><\/tr><\/thead><tbody><tr><td><strong>Montant du pr\u00eat<\/strong><\/td><td>40 000\u20ac<\/td><\/tr><tr><td><strong>Types de pr\u00eat<\/strong> <strong>possibles<\/strong><\/td><td>&#8211; <a href=\"https:\/\/financera.fr\/credit\/auto\/\">Cr\u00e9dit auto<\/a><br>&#8211; <a href=\"https:\/\/financera.fr\/credit\/personnel\/\">Pr\u00eat personnel<\/a><br>&#8211; <a href=\"https:\/\/financera.fr\/credit\/travaux\/\">Cr\u00e9dit travaux<\/a><\/td><\/tr><tr><td><strong>Dur\u00e9e de remboursement<\/strong><\/td><td>&#8211; Cr\u00e9dit auto : 6 \u00e0 84 mois<br>&#8211; Pr\u00eat personnel : 6 \u00e0 84 mois<br>&#8211; Cr\u00e9dit travaux : 6 \u00e0 84 mois<\/td><\/tr><tr><td><strong>TAEG (Taux d&#8217;emprunt)<\/strong><\/td><td>&#8211; Cr\u00e9dit auto : 5% \u00e0 21,97%<br>&#8211; Pr\u00eat personnel : 5% \u00e0 21,97%<br>&#8211; Cr\u00e9dit travaux : 5% \u00e0 21,97%<\/td><\/tr><tr><td><strong>D\u00e9lai de r\u00e9ponse<\/strong><\/td><td>R\u00e9ponse de principe imm\u00e9diate ou sous 2 jours ; r\u00e9ponse d\u00e9finitive sous plusieurs jours<\/td><\/tr><tr><td><strong>D\u00e9lai de versement des fonds<\/strong><\/td><td>Sous 48 heures apr\u00e8s signature du contrat et d\u00e9lai l\u00e9gal de r\u00e9tractation de 14 jours<\/td><\/tr><tr><td><strong>Proc\u00e9dure d\u2019emprunt<\/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>&#8211; \u00catre majeur (+18 ans)<br>&#8211; Avoir son domicile fiscal en France<\/td><\/tr><tr><td><strong>Dossiers FCC &amp; FICP<\/strong><\/td><td>G\u00e9n\u00e9ralement non accept\u00e9s<\/td><\/tr><tr><td><strong>Justificatifs<\/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.<br>&#8211; Cr\u00e9dit auto : justificatifs d\u2019achat de votre future voiture<br>&#8211; Cr\u00e9dit travaux : justificatifs de vos travaux (devis, achats, etc.)<\/td><\/tr><tr><td><strong>Exemple repr\u00e9sentatif<\/strong><\/td><td>Pour un pr\u00eat de 40 000\u20ac (pr\u00eat personnel) sur 72 mois au TAEG de 7,74%, vous remboursez 691,22\u20ac\/mois. Les frais d\u2019int\u00e9r\u00eat s\u2019\u00e9l\u00e8vent \u00e0 9 767,84\u20acet le co\u00fbt total du pr\u00eat est de 49 767,84\u20ac<\/td><\/tr><tr><td><strong>Notre recommandation<\/strong> \u2b50<\/td><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\">Pr\u00eat personnel de Cetelem<\/a>\u00a0: \u00a040 000\u20ac sur 6 \u00e0 84 mois, 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 devis personnalis\u00e9 (sans engagement) pour faire un pr\u00eat de 40 000 euros Cetelem, 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 pr\u00eat 40 000 euros<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Emprunter_40_000_euros__quel_crdit_choisir_\">Emprunter 40 000 euros : quel cr\u00e9dit choisir ?<\/h2>\n\n\n\n<p>Vous \u00eates s\u00fbrement dans l&rsquo;une de ces 3 situations : <\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Vous avez un projet personnel \u00e0 financer<\/p>\n<\/li><li><p>Vous souhaitez acheter une nouvelle voiture<\/p>\n<\/li><li><p>Vous aimeriez faire des travaux dans votre maison<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Avec ce montant, vous avez la possibilit\u00e9 de faire l&rsquo;un des 3 types de pr\u00eat suivants :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>Le <a href=\"https:\/\/financera.fr\/credit\/personnel\/\">pr\u00eat personnel<\/a><\/p>\n<\/li><li><p>Le <a href=\"https:\/\/financera.fr\/credit\/auto\/\">cr\u00e9dit auto<\/a><\/p>\n<\/li><li><p>Le <a href=\"https:\/\/financera.fr\/credit\/travaux\/\">cr\u00e9dit travaux<\/a><\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Les 3 types de pr\u00eat en d\u00e9tails pour faire votre choix :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Type de pr\u00eat<\/th><th>Fonctionnement<\/th><th>\u00c0 qui il s&rsquo;adresse<\/th><th>Conditions<\/th><th>Justificatifs<\/th><th>Avantages<\/th><th>Inconv\u00e9nients<\/th><th>TAEG moyen<\/th><th>Demande de devis (sans engagement)<\/th><\/tr><\/thead><tbody><tr><td><strong>Pr\u00eat personnel<\/strong><\/td><td>Demande en ligne, dossier \u00e0 monter, signature contrat et r\u00e9ception des fonds. Proc\u00e9dure en 2+ semaines. <\/td><td>Ceux qui souhaitent un <a href=\"https:\/\/financera.fr\/wiki\/taeg\/\">TAEG <\/a>plus faible et qui ne sont pas press\u00e9s de recevoir les fonds<\/td><td>\u00catre majeur, domicile fiscal en France<\/td><td>Pi\u00e8ce d\u2019identit\u00e9, justificatif de domicile, RIB et justificatif de revenus.<\/td><td>Cr\u00e9dit sans justificatif d&rsquo;utilisation, TAEG plus avantageux<\/td><td>Proc\u00e9dure plus longue<\/td><td>7,50%<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><\/tr><tr><td><strong>Cr\u00e9dit auto<\/strong><\/td><td>Demande en ligne, dossier \u00e0 monter, signature contrat et r\u00e9ception des fonds. Proc\u00e9dure en 2+ semaines. <\/td><td>Ceux qui souhaitent acheter une voiture neuve, ou d&rsquo;occasion<\/td><td>\u00catre majeur, domicile fiscal en France<\/td><td>Pi\u00e8ce d\u2019identit\u00e9, justificatif de domicile, RIB, justificatif de revenus et justificatifs d\u2019achat de votre future voiture.<\/td><td>Cr\u00e9dit affect\u00e9 : si la vente de votre voiture est annul\u00e9e, le cr\u00e9dit est aussi annul\u00e9.<br><\/td><td>Cr\u00e9dit affect\u00e9 : avec justificatifs d&rsquo;utilisation d&rsquo;achat voiture.<\/td><td>6%<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><\/tr><tr><td><strong>Cr\u00e9dit travaux<\/strong><\/td><td>Demande en ligne, dossier \u00e0 monter, signature contrat et r\u00e9ception des fonds. Proc\u00e9dure en 2+ semaines. <\/td><td>Ceux qui souhaitent financer des travayx<\/td><td>\u00catre majeur, domicile fiscal en France<\/td><td>Pi\u00e8ce d\u2019identit\u00e9, justificatif de domicile, RIB, justificatif de revenus et justificatifs de vos travaux (devis, achats, etc.).<\/td><td>Cr\u00e9dit affect\u00e9 aux travaux.<\/td><td>Cr\u00e9dit affect\u00e9 : avec justificatifs d&rsquo;utilisation de financement de travaux.<\/td><td>6%<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Types de pr\u00eat pour emprunter 40 000 euros<\/figcaption><\/figure>\n\n\n\n<p>\u00c0 lire avant de continuer l&rsquo;article :<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Tout au long de cet article, nous utiliserons les informations d&#8217;emprunt du <a href=\"https:\/\/financera.fr\/credit\/personnel\/\">pr\u00eat personnel.<\/a><\/p>\n<p>Nous ajouterons \u00e9videmment des informations compl\u00e9mentaires concernant le cr\u00e9dit auto et le cr\u00e9dit travaux quand ce sera n\u00e9cessaire.<\/p><\/div>\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=1440\" data-slider-url=\"https:\/\/financera.fr\/results?query=1&non_affiliate=true&param_amount=4000&param_period=1440\" data-required=\"results?query=1non_affiliate=true&param_amount=4000&param_period=1440&\" 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=\"A_qui_sadresse_le_crdit_40_000_euros_\">A qui s\u2019adresse le cr\u00e9dit 40 000 euros ?<\/h2>\n\n\n\n<p>Le pr\u00eat 40 000 euros est fait pour vous si :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>Financer un projet personnel &#8211; Exemples : achat d&rsquo;un ordinateur ou de meubles.<\/p>\n<\/li><li><p>Vous souhaitez acheter une voiture, neuve ou d&rsquo;occasion.<\/p>\n<\/li><li><p>Vous envisagez de financer des travaux pour votre maison ou appartement.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Par contre, le cr\u00e9dit de 40 000 euros n&rsquo;est pas fait pour vous si :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p>Vous \u00eates en situation de surendettement, dans ce cas nous vous recommandons de demander de l\u2019aide aupr\u00e8s d\u2019associations et d\u2019institutions financi\u00e8res comp\u00e9tentes, et de lire nos\u00a0<a href=\"https:\/\/financera.fr\/finances\/\">guides de gestion de budget<\/a>\u00a0afin de retrouver une situation financi\u00e8re stable.<\/p>\n<\/li><li><p>Vous n\u2019\u00eates pas s\u00fbr d\u2019\u00eatre en mesure de rembourser les mensualit\u00e9s.<\/p>\n<\/li><li><p>Vous \u00eates fich\u00e9 FCC ou FICP. Les banques n\u2019accepteront g\u00e9n\u00e9ralement pas votre demande pour ce montant.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Emprunter_40_000_euros__guide_rapide\">Emprunter 40 000 euros : guide rapide<\/h2>\n\n\n\n<p>Pour emprunter 40 000 euros avec le pr\u00eat personnel, voici la proc\u00e9dure :<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><ol>\n<li>Aller sur le site de l&rsquo;organisme de cr\u00e9dit<\/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 pr\u00eat 40 000 euros (sans engagement) <\/a>\n\t<\/p><\/div>\n\n\n<p>Si vous souhaitez faire un cr\u00e9dit auto <a href=\"https:\/\/financera.fr\/credit\/auto\/#Comment_faire_un_crdit_auto_\">cliquez ici<\/a> pour lire notre guide, et pour le guide sur le cr\u00e9dit travaux <a href=\"https:\/\/financera.fr\/credit\/travaux\/#Comment_faire_un_prt_travaux_\">cliquez ici<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"O_faire_un_crdit_de_40_000_euros_en_fn_date_formatY_\">O\u00f9 faire un cr\u00e9dit de 40 000 euros en 2025 ?<\/h2>\n\n\n\n<p>Vous pouvez faire un pr\u00eat de 40 000 euros aupr\u00e8s d&rsquo;<a href=\"https:\/\/financera.fr\/credit\/liste-organisme\/\">organismes de cr\u00e9dit<\/a>.<\/p>\n\n\n\n<p>Attention, tous les organismes ne proposent pas tous les types de pr\u00eat :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Pr\u00eat personnel<\/strong> : la plupart des \u00e9tablissements de cr\u00e9dit. Mais attention, v\u00e9rifiez la disponibilit\u00e9 de ce type d&#8217;emprunt et du montant car chacun a des fourchettes diff\u00e9rentes.<\/p>\n<\/li><li><p><strong>Cr\u00e9dit auto<\/strong> : la plupart des \u00e9tablissements de cr\u00e9dit qui proposent aussi le pr\u00eat personnel. Mais attention, v\u00e9rifiez la disponibilit\u00e9 de ce type d&#8217;emprunt et du montant car chacun a des fourchettes diff\u00e9rentes.<\/p>\n<\/li><li><p><strong>Cr\u00e9dit travaux<\/strong> : la plupart des \u00e9tablissements de cr\u00e9dit qui proposent aussi le pr\u00eat personnel. Mais attention, v\u00e9rifiez la disponibilit\u00e9 de ce type d&#8217;emprunt et du montant car chacun a des fourchettes diff\u00e9rentes.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Ci-dessous, une liste des <strong>meilleurs organismes de confiance<\/strong> <strong>avec les types de pr\u00eat et les montants disponibles<\/strong> :<\/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>Types de pr\u00eat<\/th><th>Montants disponibles<\/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><a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/td><td>500 &#8211; 99 000\u20ac<\/td><td>1,90% \u00e0 21,45%<\/td><td>1 \u00e0 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><a href=\"https:\/\/financera.fr\/entreprise\/cofidis\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/td><td>500 &#8211; 35 000\u20ac<\/td><td>0,5% \u00e0 21,09%<\/td><td>1 \u00e0 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\/younited-credit\/redirect\/\" target=\"_blank\">Younited Credit<\/a><\/td><td><a href=\"http:\/\/financera.fr\/entreprise\/younited-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/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\/kreditiweb\/redirect\/\" target=\"_blank\">Kreditiweb<\/a>*<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/kreditiweb\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><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><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/td><td>100 &#8211; 100 000\u20ac<\/td><td>0,10% &#8211; 21,14%<\/td><td>3 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><tr><td><a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financera.fr\/entreprise\/youdge\/redirect\/\" target=\"_blank\">Youdge<\/a>*<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/youdge\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><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><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/td><td>1000 &#8211; 75 000\u20ac<\/td><td>0,20% &#8211; 21,10%<\/td><td>6 mois \u00e0 7 ans (84 mois)<\/td><td><a href=\"https:\/\/financera.fr\/entreprise\/youdge\/\">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><a href=\"http:\/\/financera.fr\/entreprise\/mrfinan\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><img decoding=\"async\" width=\"50\" height=\"50\" class=\"wp-image-54037\" style=\"width: 50px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/17\/2024\/02\/fleche-table-e1707283844296.png\" alt=\"\"><\/a><\/td><td>Pr\u00eat personnel, cr\u00e9dit auto et cr\u00e9dit travaux<\/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><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*courtier en cr\u00e9dit<\/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>44\u00a0711<\/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>48\u00a0626<\/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\u00a0349<\/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=\"2560\" height=\"1041\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu.png\" class=\"attachment-full size-full\" alt=\"floa bank\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu.png 2560w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu-300x122.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu-1024x417.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu-768x312.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu-1536x625.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/17\/2017\/11\/logo-floa-bleu-2048x833.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/a><span class=\"items-content__card-chosen\">Choisi <strong>40\u00a0000<\/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 5,90%<\/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\">5.90<\/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\">20.59<\/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>Pour lire notre avis d\u00e9taill\u00e9 sur Cetelem, <a href=\"https:\/\/financera.fr\/credit\/9000-euros\/#Meilleur_crdit_9000_euros_de_fn_date_formatY\">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=\"Conditions_du_crdit_40_000_euros\">Conditions du cr\u00e9dit 40 000 euros<\/h2>\n\n\n\n<p>Ci-dessous les conditions d&#8217;emprunt pour avoir le droit de faire une demande :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>\u00catre majeur (plus de 18 ans)<\/p>\n<\/li><li><p>Avoir son domicile fiscal en France<\/p>\n<\/li><li><p>Revenus r\u00e9guliers et adapt\u00e9s au montant demand\u00e9<\/p>\n<\/li><\/ul><\/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 pour faire un cr\u00e9dit de 40 000 euros :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><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><\/ol><\/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 <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">demande de devis personnalis\u00e9<\/a> (sans engagement).<\/p>\n\n\n\n<p>Pour le cr\u00e9dit auto affect\u00e9, vous devrez \u00e9galement fournir les justificatifs d\u2019achat de votre nouvelle voiture. Pour le pr\u00eat travaux affect\u00e9, vous devrez fournir les justificatifs de vos achats et prestations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cot_du_prt_40_000_euros\">Co\u00fbt du pr\u00eat 40 000 euros<\/h2>\n\n\n\n<p>Emprunter 40 000 euros entra\u00eene 2 types de co\u00fbts :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p><strong>Frais d\u2019int\u00e9r\u00eat<\/strong>\u00a0\u2013 d\u00e9termin\u00e9 par le taux d\u2019int\u00e9r\u00eat appliqu\u00e9.<\/p>\n<\/li><li><p><strong>Frais additionnels \u00e9ventuels\u00a0<\/strong>\u2013 assurance, dossier, etc.<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Si vous choisissez de faire un cr\u00e9dit 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\u2019est 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>Ci-dessous un aper\u00e7u rapide des meilleurs organismes de pr\u00eat 40 000 euros 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\/logo-floa-bleu.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=\"5.90\">5,90% &#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\/logo-floa-bleu.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=\"5.90\">5,90% &#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><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><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Simulation_crdit_40_000_euros\">Simulation cr\u00e9dit 40 000 euros<\/h2>\n\n\n\n<p>Ci-dessous quelques simulations d&rsquo;un cr\u00e9dit 40 000 euros pour vous donner une id\u00e9e des co\u00fbts :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><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><th>Salaire minimum<\/th><\/tr><\/thead><tbody><tr><td><strong>6 mois<\/strong><\/td><td>1,90%<\/td><td>6 703,27\u20ac<\/td><td>0\u20ac<\/td><td>219,62\u20ac<\/td><td>40 219,62\u20ac<\/td><td>10 000\u20ac<\/td><\/tr><tr><td><strong>12 mois<\/strong><\/td><td>1,90%<\/td><td>3 367,38\u20ac<\/td><td>0\u20ac<\/td><td>408,56\u20ac<\/td><td>40 408,56\u20ac<\/td><td>9000\u20ac<\/td><\/tr><tr><td><strong>24 mois<\/strong><\/td><td>7,74%<\/td><td>1 799,62\u20ac<\/td><td>0\u20ac<\/td><td>3 190,88\u20ac<\/td><td>43 190,88\u20ac<\/td><td>5000\u20ac<\/td><\/tr><tr><td><strong>36 mois<\/strong><\/td><td>7,74%<\/td><td>1 243,88\u20ac<\/td><td>0\u20ac<\/td><td>4 779,68\u20ac<\/td><td>44 779,68\u20ac<\/td><td>4000\u20ac<\/td><\/tr><tr><td><strong>48 mois<\/strong><\/td><td>7,74%<\/td><td>966,78\u20ac<\/td><td>0\u20ac<\/td><td>6 405,44\u20ac<\/td><td>46 405,44\u20ac<\/td><td>3500\u20ac<\/td><\/tr><tr><td><strong>60 mois<\/strong><\/td><td>7,74%<\/td><td>801,14\u20ac<\/td><td>0\u20ac<\/td><td>8 068,40\u20ac<\/td><td>48 068,40\u20ac<\/td><td>3000\u20ac<\/td><\/tr><tr><td><strong>72 mois<\/strong><\/td><td>7,74%<\/td><td>691,22\u20ac<\/td><td>0\u20ac<\/td><td>9 767,84\u20ac<\/td><td>49 767,84\u20ac<\/td><td>2800\u20ac<\/td><\/tr><tr><td><strong>84 mois<\/strong><\/td><td>7,74%<\/td><td>613,14\u20ac<\/td><td>0\u20ac<\/td><td>11 503,76\u20ac<\/td><td>51 503,76\u20ac<\/td><td>2500\u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Simulation cr\u00e9dit 40 000 euros &#8211; Mis \u00e0 jour : Avril 2024<\/figcaption><\/figure>\n\n\n\n<p>Nous vous pr\u00e9cisons \u00e9galement quel salaire pour emprunter 40 000 euros en fonction de la dur\u00e9e d&#8217;emprunt et du montant de la mensualit\u00e9.<\/p>\n\n\n\n<p>Voici un exemple repr\u00e9sentatif.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Pour un pr\u00eat personnel de <strong>40 000\u20ac sur 72 mois au TAEG fixe de 7,74%<\/strong> (taux d\u00e9biteur fixe de 7,48%), hors assurance facultative, vous remboursez :<\/p>\n<ul>\n<li>72 mensualit\u00e9s de 691,22\u20ac<\/li>\n<li>Int\u00e9r\u00eats : 9 767,84\u20ac<\/li>\n<li>Montant total d\u00fb : 49 767,84\u20ac<\/li>\n<\/ul>\n<p>Mis \u00e0 jour : avril 2024<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Meilleur_crdit_40_000_euros_de_fn_date_formatY\">Meilleur cr\u00e9dit 40 000 euros de 2025<\/h2>\n\n\n\n<p>Selon Financera,\u00a0<strong>Cetelem propose le meilleur cr\u00e9dit 40 000 euros 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 pr\u00eat personnel en ligne.<\/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>44\u00a0711<\/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 personnel 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 pr\u00eat personnel de Cetelem est compl\u00e8te. Peu importe le type de projet que vous avez, vous trouverez un cr\u00e9dit.<\/p>\n\n\n\n<p>Ce que nous appr\u00e9cions, c\u2019est la gamme large de montants et de dur\u00e9es de remboursement : 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 personnel.<\/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 pr\u00eat personnel 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\n<p>Nous recommandons Cetelem si vous souhaitez faire un cr\u00e9dit de 40 000 euros.<\/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>44\u00a0711<\/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\">Commencer<\/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><em>Note : Si vous souhaitez en savoir plus sur Cetelem, visitez notre <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/\">avis d\u00e9taill\u00e9<\/a>.<\/em><\/p>\n\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=\"Comment_faire_un_crdit_de_40_000_euros_\">Comment faire un cr\u00e9dit de 40 000 euros ?<\/h2>\n\n\n\n<p>Faire un pr\u00eat de 40 000 euros est simple, vous devez suivre les \u00e9tapes d\u00e9crites ci-dessous. La demande se fait 100% en ligne et vous \u00eates inform\u00e9 de l\u2019\u00e9volution de votre demande.<\/p>\n\n\n\n<p>Pour vous donner un exemple de proc\u00e9dure, voici l&rsquo;exemple du pr\u00eat personnel de Cetelem. Nous avons test\u00e9 la proc\u00e9dure. Tout est guid\u00e9 et facile \u00e0 compl\u00e9ter.<\/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&rsquo;organisme<\/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&rsquo;organisme<\/h3><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 personnel de Cetelem.\n<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\" \/><\/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><p><strong>Une simulation personnalis\u00e9e compl\u00e8te et d\u00e9taill\u00e9e<\/strong>, accompagn\u00e9e d\u2019un exemple type s\u2019affichent \u00e0 l\u2019\u00e9cran.<\/p>\n<p>Cela vous permet de visualiser l\u2019emprunt que vous pourriez r\u00e9aliser avec Cetelem.Si les conditions du cr\u00e9dit propos\u00e9 vous conviennent, vous pouvez cliquer sur\u00a0<strong><i>Poursuivre ma demande<\/i><\/strong>.<\/p>\n<p><em>Note : Si elles ne vous conviennent pas, vous pouvez ajuster les \u00e9l\u00e9ment de votre simulation (montant, mensualit\u00e9 et dur\u00e9e).<\/em><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\" \/><\/p><\/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><p>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.<\/p>\n<p>Il s\u2019agit surtout d\u2019une\u00a0<strong>confirmation que votre demande de cr\u00e9dit a bien \u00e9t\u00e9 prise en compte<\/strong>.<\/p>\n<p>Cetelem 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.<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\" \/>Au m\u00eame moment, vous recevez \u00e9galement un email de confirmation de votre demande de cr\u00e9dit, avec les m\u00eames informations.<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\" \/><\/p><\/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><p>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.<\/p>\n<p>Nous 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.<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\" \/>Vous 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.<\/p>\n<p>Voici par exemple l\u2019interface de connexion sur le site Cetelem :<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\" \/><\/p><\/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><p>Un conseiller Cetelem reviendra vers vous pour :<\/p>\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>\n<p>Si 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.Vous envoyez ensuite votre dossier compl\u00e9t\u00e9 par email. Tout se fait 100% en ligne.<\/p>\n<p>Notre 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 !<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\" \/><\/p><\/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><p><strong>Cetelem \u00e9tudie votre dossier<\/strong>\u00a0et vous donnera une r\u00e9ponse d\u00e9finitive sous plusieurs jours.<\/p>\n<p>Si l\u2019organisme vous donne une r\u00e9ponse d\u00e9finitive positive, vous pouvez accepter la proposition et signer votre contrat de pr\u00eat d\u00e9finitif.<\/p>\n<p>Vous avez 14 jours pour vous d\u00e9cider.Une fois le contrat sign\u00e9, vous recevez vos fonds et vous pouvez lancer vos projets !<\/p><\/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>44\u00a0711<\/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\">Commencer<\/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=\"Prt_de_40_000_euros_sans_justificatif__possible_\">Pr\u00eat de 40 000 euros sans justificatif : possible ?<\/h2>\n\n\n\n<p><strong>Faire un cr\u00e9dit de 40 000 euros sans devoir justifier l&rsquo;utilisation des fonds, oui c&rsquo;est possible, mais uniquement pour le pr\u00eat personnel.<\/strong><\/p>\n\n\n\n<p>Cela signifie que vous n&rsquo;avez pas besoin (ni l&rsquo;obligation) de dire \u00e0 l&rsquo;organisme comment vous allez utiliser l&rsquo;argent emprunt\u00e9. Vous n&rsquo;avez pas besoin de justifier l&rsquo;utilisation des fonds.<\/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&rsquo;est obligatoire. <\/p>\n\n\n\n<p><strong>Vous devrez obligatoirement envoyer un justificatif d&rsquo;identit\u00e9 (carte d&rsquo;identit\u00e9 ou passeport) pour v\u00e9rifier votre identit\u00e9.<\/strong><\/p>\n\n\n\n<p>L&rsquo;organisme vous demandera \u00e9ventuellement quelques informations suppl\u00e9mentaires, comme votre RIB pour pouvoir recevoir vos fonds. <\/p>\n\n\n\n<p>Sans information de votre banque actuelle, vous ne pourrez \u00e9videmment recevoir aucun fonds.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Le pr\u00eat de 40 000 euros sans justificatif signifie que vous n&rsquo;avez pas besoin de justifier l&rsquo;utilisation des fonds emprunt\u00e9s. Vous devrez tout de m\u00eame envoyer des justificatifs : identit\u00e9, revenus et domicile.<\/p>\n<p><strong>Attention, le cr\u00e9dit auto et le pr\u00eat travaux sont des cr\u00e9dits affect\u00e9s, c&rsquo;est-\u00e0-dire que vous devrez justifier l&rsquo;utilisation des fonds avec les factures appropri\u00e9es.<\/strong><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Le_crdit_40_000_euros_est_il_scuris_\">Le cr\u00e9dit 40 000 euros est-il s\u00e9curis\u00e9 ?<\/h2>\n\n\n\n<p><strong>Oui, c&rsquo;est s\u00e9curis\u00e9 d&#8217;emprunter 40 000 euros en ligne. <\/strong><\/p>\n\n\n\n<p><strong>\u00c0 condition que vous choisissiez un organisme encadr\u00e9<\/strong> par la loi fran\u00e7aise et immatricul\u00e9 aupr\u00e8s des institutions financi\u00e8res suivantes :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>L\u2019<a rel=\"noreferrer noopener\" href=\"https:\/\/www.orias.fr\/\" target=\"_blank\">ORIAS<\/a>\u00a0(Organisme pour le registre unique des interm\u00e9diaires en assurance, banque et finance)<\/p>\n<\/li><li><p>L\u2019<a rel=\"noreferrer noopener\" href=\"https:\/\/acpr.banque-france.fr\/\" target=\"_blank\">ACPR<\/a>\u00a0(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\n<p>Il existe beaucoup d&rsquo;arnaques sur internet, faites donc attention !<\/p>\n\n\n\n<p>Nous vous recommandons de faire vos recherches avant de transmettre vos donn\u00e9es aupr\u00e8s de tout autre organisme de cr\u00e9dit pour \u00e9viter un risque \u00e9ventuel.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Si vous choisissez un organisme de cr\u00e9dit list\u00e9 sur Financera, vous \u00eates assur\u00e9 d\u2019emprunter aupr\u00e8s d\u2019un <strong>\u00e9tablissement encadr\u00e9 par la loi fran\u00e7aise, r\u00e9put\u00e9 de confiance, et \u00e0 des conditions honorables<\/strong>.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQ_sur_le_crdit_40_000_euros\">FAQ sur le cr\u00e9dit 40 000 euros<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Faire un cr\u00e9dit 40 000 euros sans justificatif, est-ce possible ?<\/h4><div class=\"faq_inner\"><p>Emprunter 40 000 euros sans devoir justifier l&rsquo;utilisation des fonds, oui c&rsquo;est possible avec le pr\u00eat personnel.<\/p>\n<p>Faire un cr\u00e9dit 40 000 sans justificatif, \u00e7a n&rsquo;est pas possible. Vous devrez tout de m\u00eame envoyer des justificatifs : identit\u00e9, revenus et domicile.<\/p>\n<p>Attention, le cr\u00e9dit auto et le pr\u00eat travaux sont des cr\u00e9dits affect\u00e9s, c&rsquo;est-\u00e0-dire que vous devrez justifier l&rsquo;utilisation des fonds avec les factures appropri\u00e9es.<\/p><\/div><h4>Peut-on faire un cr\u00e9dit 40 000 euros sur 15 ans ?<\/h4><div class=\"faq_inner\"><p>Oui, c&rsquo;est possible.<\/p>\n<p>Vous pouvez \u00e9galement emprunter 40 000 euros sur 10 ans ou encore sur 4 ans ou 6 ans par exemple.<\/p><\/div><h4>Le cr\u00e9dit conso 40 000 euros, c&rsquo;est quoi ?<\/h4><div class=\"faq_inner\"><p>Le cr\u00e9dit conso 40 000 euros est un type de pr\u00eat qui vous permet de financer tout type de projet personnel, tout comme les 3 types de cr\u00e9dit que nous vous proposons ici.<\/p>\n<p>Un\u00a0<a href=\"https:\/\/financera.fr\/credit\/consommation\/\">cr\u00e9dit consommation<\/a>\u00a0est en fait un terme qui englobe ces 3 types de pr\u00eat, c&rsquo;est un terme plus g\u00e9n\u00e9ral.<\/p><\/div><h4>Quel salaire pour emprunter 40 000 euros ?<\/h4><div class=\"faq_inner\"><p>Retrouvez nos tableaux de simulations de salaire minimum pour faire un emprunt 40 000 euros plus haut sur cette page.<\/p>\n<p>Pour calculer vous-m\u00eame quel salaire pour emprunter 40 000 euros, vous pouvez utiliser la r\u00e8gle des 33%.<\/p>\n<p>En g\u00e9n\u00e9ral, la banque autorisera 33% d&rsquo;endettement. C&rsquo;est \u00e0 dire que la mensualit\u00e9 de votre emprunt ne doit pas d\u00e9passer 33% de vos revenus mensuels.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantages_et_inconvnients\">Avantages et inconv\u00e9nients<\/h2>\n\n\n\n<p>Le cr\u00e9dit 40 000 euros pr\u00e9sente de nombreux avantages :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Rapide<\/strong>. Lorsque vous faites un pr\u00eat de 40 000 euros en ligne, la proc\u00e9dure est acc\u00e9l\u00e9r\u00e9e. Votre dossier est envoy\u00e9 en instantan\u00e9 et les conseillers ne sont pas sollicit\u00e9s par des RDV clients comme dans une banque traditionnelle.<\/p>\n<\/li><li><p><strong>Facile<\/strong>. Si vous avez des revenus r\u00e9guliers, que vous g\u00e9rez \u00e0 peu pr\u00e8s votre budget 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><li><p><strong>Sans justificatif<\/strong> (pour le pr\u00eat personnel). Vous pouvez utiliser l\u2019argent comme vous le souhaitez. Tant que vous remboursez votre cr\u00e9dit, la banque ne vous pose pas de question sur l&rsquo;utilit\u00e9.<\/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 devis 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><\/ul><\/div>\n\n\n<p>Mais aussi des inconv\u00e9nients :<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Taux d\u2019int\u00e9r\u00eat pouvant \u00eatre \u00e9lev\u00e9<\/strong>. Les organismes de pr\u00eat personnel 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, l&rsquo;\u00e9quipe Financera est l\u00e0 pour vous \u00e9clairer.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Besoin_dun_autre_montant_\">Besoin d&rsquo;un autre montant ?<\/h2>\n\n\n\n<p>Si vous avez besoin d&rsquo;un autre montant, cliquez sur le montant d\u2019emprunt de votre choix pour voir les meilleures offres de cr\u00e9dit du march\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Montants d&#8217;emprunt<\/th><th><\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/financera.fr\/credit\/2000-euros\/\">Pr\u00eat 2000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/3000-euros\/\">Pr\u00eat 3000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/4000-euros\/\">Pr\u00eat 4000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/5000-euros\/\">Pr\u00eat 5000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/6000-euros\/\">Pr\u00eat 6000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/7000-euros\/\">Pr\u00eat 7000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/8000-euros\/\">Pr\u00eat 8000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/9000-euros\/\">Pr\u00eat 9000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/10000-euros\/\">Pr\u00eat 10 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/20000-euros\/\">Pr\u00eat 20 000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/30000-euros\/\">Pr\u00eat 30 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/50000-euros\/\">Pr\u00eat 50 000 euros<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financera.fr\/credit\/75000-euros\/\">Pr\u00eat 75 000 euros<\/a><\/td><td><a href=\"https:\/\/financera.fr\/credit\/100000-euros\/\">Pr\u00eat 100 000 euros<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Rsum_de_larticle\">R\u00e9sum\u00e9 de l\u2019article<\/h2>\n\n\n\n<p>Voici ce que vous devez retenir de l&rsquo;article :<\/p>\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 40 000 euros est le moyen le plus simple de financer une nouvelle voiture, des travaux ou un projet personnel.<\/strong><\/li>\n<li><strong>Types de pr\u00eat possibles<\/strong> : pr\u00eat personnel, cr\u00e9dit auto et pr\u00eat travaux.<\/li>\n<li><strong>Modalit\u00e9s du pr\u00eat<\/strong> : 40 000\u20ac sur 6 \u00e0 84 mois.<\/li>\n<li><strong>Conditions<\/strong> : \u00eatre majeur et avoir un domicile fiscale en France. Dossiers FCC &amp; FICP g\u00e9n\u00e9ralement refus\u00e9s.<\/li>\n<li><strong>Justificatifs<\/strong> : pi\u00e8ce d\u2019identit\u00e9, RIB, justificatif de domicile, justificatif de revenus, et dernier avis d\u2019imposition.<\/li>\n<li>Nous recommandons le <a href=\"https:\/\/financera.fr\/entreprise\/cetelem\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">pr\u00eat personnel Cetelem<\/a> : 40 000\u20ac \u00e0 rembourser sur 6 \u00e0 84 mois. \u00a0Agr\u00e9\u00e9 par l\u2019ORIAS et l\u2019ACPR. Cliquez sur le bouton ci-dessous pour faire une demande de devis personnalis\u00e9 (sans engagement).<\/li>\n<\/ul><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 pr\u00eat 40 000 euros (sans engagement) <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Sources_et_liens_utiles\">Sources et liens utiles<\/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 <a href=\"https:\/\/financera.fr\/credit\/consommation\/\">cr\u00e9dit \u00e0 la consommation<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/N96\" target=\"_blank\" rel=\"noreferrer noopener\">Site service-public.fr<\/a> &#8211; Informations officielles de l&rsquo;administration 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> &#8211; Pour en savoir plus sur vos droits en tant qu&#8217;emprunteur d&rsquo;un 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> &#8211; P\u00e9dagogie financi\u00e8re de l&rsquo;Institut 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&rsquo;usure officiel et actualis\u00e9<\/a> &#8211; Sur le site officiel de la Banque de France<\/p>\n<\/li><li>\n<p><a href=\"https:\/\/www.orias.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Site de l&rsquo;ORIAS<\/a> &#8211; Organisme pour le registre unique des interm\u00e9diaires en assurance, banque et finance<\/p>\n<\/li><li>\n<p><a href=\"https:\/\/acpr.banque-france.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Site de l&rsquo;ACPR<\/a> &#8211; 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\/results\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_self\"  >Comparer les cr\u00e9dits 40 000 euros<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Le cr\u00e9dit 40 000 euros est le meilleur moyen de financer une nouvelle voiture, des travaux ou un projet personnel.\u2026 <\/p>\n","protected":false},"author":54,"featured_media":55205,"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":[67],"_links":{"self":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/5571"}],"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=5571"}],"version-history":[{"count":49,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/5571\/revisions"}],"predecessor-version":[{"id":82870,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/pages\/5571\/revisions\/82870"}],"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\/55205"}],"wp:attachment":[{"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/media?parent=5571"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/categories?post=5571"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.fr\/wp-json\/wp\/v2\/tags?post=5571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}