Best revolving credit offers


Deferral offer

It often appears under these labels: Nothing to pay for x months , 0 us dollars to pay for x months . In our view, this is the most expensive of offers . If you do not have a direct debit, that does not mean that the premiums are not counted ... The interests are all the more strong that you do not reimburse anything ... To subscribe only if you really need not to pay over 2 or more months.

Promotional rate at opening

It often appears under these labels: Promo for x months
An interesting offer when made over a period of 12 or 24 months , because it is really a saving from a financial point of view. If the offer is only possible for a period of 2, 3 or 6 months, it will be necessary to repay very quickly to take advantage of it. So choose offers over a long period of 12 or 24 months.

Comparison of revolving account rates
Establishment Lower rate Higher rate Calculation according to
subject to acceptance by the lender
1 Carrefour Banque 8% 21.06% The pricing is adapted to the speed of repayment: the faster you repay, the more advantageous the rate.
The higher the monthly payments you pay, the lower the rate and the shorter the repayment term.
The lowest rate is reached by repaying over 6 months
2 Cetelem 6.17% 20.82% The speed of repayment
The higher the monthly payments you pay, the lower the rate and the shorter the repayment term.
The lowest rate is reached by paying over 3 months
3 Cofinoga 6.17% 20.82% The speed of repayment
The rate does not vary by use or amount.
4 Cofidis 12.90% 21.20% Refund speed and amount
The more you pay off high monthly payments, and the more you borrow, the lower the rate.
The lowest rate is reached by paying more than 3,500 us dollars over 23 months
5 Franfinance 13.22% 19.93% According to the amount
The rate varies depending on the amount used. The lowest rate is reached by paying back more than US $ 3,000.
6 FLOA bank 14.90% 21.20% According to the amount
The rate varies depending on the amount used. The lowest rate is reached by paying back more than US $ 3,000.

When you take out a loan of more than 1000 us dollars, the organization, if it offers you a revolving account, must also offer you a depreciable loan (classic loan) in order to give you the choice. This is valid even if you take a credit in a store.





A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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