The safest and fastest way to pay your personal loan instalment is by direct debit. If this is not yet set up, you can easily do so from your customer area. You can also choose to pay by cheque. If you pay your personal loan by cheque, the cheque for your monthly instalment must reach Cofidis before the 23rd of the month. Don't forget to write your file number on the back of the cheque.

A personal loan can be designated as an allocated or unallocated purchase loan, depending on how you use the loan money. A loan is considered "allocated" when you use it to purchase a specific good or service (car, home improvements, etc.). On the other hand, an unallocated loan allows you to use the money from your personal loan without providing proof of how it is spent.

Our credit calculator allows you to make a personal loan quote online. After this non-binding quote, you can apply for credit online. To approve your personal loan application, we take into account many factors and each application is reviewed on a case-by-case basis, in accordance with the law. Therefore, when you send us your signed and dated application, in addition to information about your income, your expenses and any existing loans, we will ask you to provide various supporting documents, including your national identity card or passport, bank or postal account details, proof of address dated within the last three months, proof of income, and your most recent tax assessment or notice of non-availability.

With a personal loan, a repayment break can be requested under certain circumstances. Please contact your advisor so they can assess your situation. Please note that any unpaid monthly instalment will be added to the end of the loan term, which will extend the repayment period for a car loan or home improvement loan, for example.