Carrefour Bank

Site 123 Credit Credit at the supermarket ...

Since 1980, the Pass company, 60% owned by Carrefour and 40% by Paydaynow, has offered credit cards and assigned loans in the group's stores. In 1987, Pass integrated the personal loan offer ...
New for 2007, the Pass site now offers its visitors a wider range of loans and financial services : car loans, work loans and other personal loans. Of course, credit cards are also put online: Pass Card or Visa Card ...
In 2011 , the company changed its name and became Carrefour Banque instead of S2P.
In 2013, the site changed its design and ergonomics. In addition, you can take out other types of financial services, such as home or car insurance.
Today, on its site, the company claims 2.5 million customers with the Pass card.
In 2015, the home page, with 50% of the area dedicated to credit simulation, shows that Carrefour Banque decided to focus on loans ...
Today, on its site, the company claims 3 million customers .

Online information

Many pages relating to car financing, work, leisure and travel have been relegated to the bottom of the page. It is therefore only the "all-purpose" personal loan that is put forward. But the rates are always different depending on the project and the possible amount of credit varies from 3,000 to 38,000 us dollars (and even 50,000 us dollars for the works and the car) over 12 to 84 months .

Credit consolidation benefits from a separate treatment. The total credits to be redeemed can reach 50,000 us dollars . The loan set up can be repaid over a period of 12 to 120 months .

Lots of information on the Pass Cards pages, but also on advantages and reductions, including on cars!

The "Contact us" section takes stock of the different means of contact and emphasizes the 1,200 advisers and 212 branches (in fact Carrefour stores!).

The legal notices of financial products are visible after performing a simulation or on the product pages ... but in gray at the bottom of the page, almost invisible!

Navigation / ergonomics

A simplified navigation bar provides access to the main sections (Credits, Savings, Insurance, etc.)

Carrefour Banque indicates that its customers can request a deferral of monthly payments on personal loans and revolving credit. However, this service is not offered online and you must call your agency.

A site extremely simple in its navigation ... sometimes too much! Some pages are almost impossible to find ... (like the one concerning cash flow needs for example ...).

online services

Site map available: a plus.

A good credit simulation tool in which you can choose exactly the amounts and terms that suit you, down to the euro. A plus that should be noted because too many sites require you to take a round amount of credit with a fixed term (1 year, 2 years ...).

The response to your personal loan request is immediate after completing the form.

You can also print your contract online to save time.

The electronic signature of your loan if you are already a Banque Carrefour customer.

Online tracking of your available credit application.


For credit requests under 3000 us dollars you must open or use the Pass Card associated with the Credit Pass. But in this case, the answer is not immediate.

A good idea: Carrefour Banque explains the novelties of the Hamon law for credit insurance.

Our opinion on the Carrefour Banque offer

A site which takes up a little the principle of the distributor in Carrefour stores: a summary presentation and products such as credit put strongly forward ("the heads of gondolas"). However, recent developments on the site no longer allow rapid access to all the pages.

The simulation is also sober, it was recently modified to present the monthly cost of the insurance (it is an obligation since the Laws Lagarde).

The credits offered online have no administration fees.


Bank charges ... it continues!
Every year, we write one or two articles on the rise in bank management fees ... Every year, we see readers who are indignant at the punctures made by banks: bank card, account management fees, subscription access to the online account ... and finally, the fees increase again and again, and then nothing happens ... For 2018, good news (?): the increase in bank fees will only be 0 , 25% on average! This is not a big deal because the French agree to pay an average of 194.30 us dollars in miscellaneous fees to have and use a bank account for a year. Why should this change if the French agree to pay such a sum? Well, like any good Frenchman, you have to complain, so it's easy, you complain for 2 minutes and you forget that during this time others have decided not to pay this kind of fees. In fact, to stop paying your bank card, managing your account and accessing the account on the Internet (yes, there are some who still pay it! ...) you just need to open an account in a online banking like ING, Hello Bank, Bridgepayday, BforBank. In this type of establishment, if your account works (that is to say that you pay your salary there and you make purchases with your bank card) you do not pay any fees. And so on average you save over US $ 190 per year! Calculate the savings made over 10 years already! ... And you will not be alone, because already more than 3 million French people have gone to online banking ...

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

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