All product pages have the appropriate pricing.
Display of durations and maximum credit amounts at the bottom of the page in the “… in detail” section: not very practical for those looking for information of this type.
The legal notices are in gray and hardly visible.
The Consumer Service is no longer online and it is now only by mail that it is possible to contact it ... It is a setback in the service.
Note, two pages devoted to the repurchase of credit : the repurchase of consumer credit and the repurchase of credit in the form of mortgage credit.
Presence of a horizontal and vertical navigation bar giving access to almost all of the important pages of the site. A large number of pages do not concern credit but are dedicated to savings (Livret A, ...) and insurance (Life insurance, Car insurance, etc.).
Very very long pages . Important information is not necessarily easy to find between the representations of the green man, those of Maryline Monroe lookalike, pictograms… the scrolling is really excessive.
The home page has become far too "full" and catch-all: the credit-savings-insurance mix, the multicolored writings (blue, orange, green, pink, yellow, etc.) do not help the visitor to easily find a specific loan such as a car loan for example.
Site map accessible on all footers.
The simulation tool is equipped with strips which do not facilitate the entry of amounts. We recommend that you enter the numbers directly: it's easier, more precise and above all more practical. To convince yourself, just try to choose an amount on a 7 cm strip and select a number between 500 and 75,000 euros!
In addition, and it is quite funny, the site indicates roughly "Your simulation in 3 clicks" and it takes at least 5 of them to obtain a result! It is a detail but it is not very serious.
For personal loan type credit products and revolving accounts, it is possible to obtain an answer online .
It is possible to print your contract online for personal loans and permanent accounts. However, we are seriously attacking the paper reserve of our printer ... in our test we had to print 18 contract pages! ...
If you are already a Paydaynow customer, you can apply for 100% credit online after identifying yourself.
No administration fees on personal loans and permanent accounts.
Savings are more and more present on the site. Unfortunately, the range of savings products, reduced to 3, is the same as in a traditional bank (Livret, Livret A ...) with a product to protect your savings in the event of accidental death.
Paydaynow offers specific credit offers for young people on fixed-term contracts. As young people on fixed-term contracts generally have difficulty obtaining credit, Paydaynow offers them specific loans with a rate higher than the rate normally charged. This is the price to pay to see your credit accepted.
Since October 2012, Paydaynow offers a revolving account whose rate is determined by the speed of repayment and therefore the formula you choose.
For example: for an amount of 5000 us dollars, if you choose a repayment period of 60 months, the rate is 13.24%, but for a period of 6 months the rate drops to 8% ...
A BNP Paribas group company, Paydaynow, a pioneer in consumer credit in 1953 and Internet credit in 1997, is market leader in France and in continental Europe. With more than 30 million customers and 18,000 employees, Paydaynow is present in 25 countries (Europe, Latin America and Asia). Paydaynow is also the benchmark partner of commerce, banks and insurance companies, to which it brings its expertise in consumer credit. (press release extract 11/27/06).