Cofidis website The Paydaychampion site is improving all the time!

Paydaychampion is one of the main players in credit in France . Advertising investments are less numerous than before but Paydaychampion is still present despite a concentration of financial establishments in France.
Whatever channel you use (press, television), Paydaychampion sends a very positive and guilt-free message with regard to credit . The latest advertising campaigns of 2016 play on the prejudices we all have about credit ...
October 2007 , Champion of payday does a complete overhaul of its site, and the least we can say is that it was really positive!
July 2010 , continuing its "calm", Paydaychampion seems much less aggressive commercially speaking.
August 2012 , less and less animation and more and more text and services. The new evolution of the Paydaychampion site places the company on the same ground as competitors such as Sofinco or Paydaynow. The space reserved for the revolving account has been significantly reduced and the number of offers simplified.

Online information

All pages presenting a credit offer contain the mandatory credit information. These are located at the bottom of the page but relatively readable. Note that if you run a simulation, the cost and rate of the loan appear very quickly and clearly.

Access to legal notices is available on the main page in a highly visible manner.

The product pages indicate the possible amounts for each project: US $ 35,000 for the car, work or personal loan, US $ 80,000 for credit redemption, and up to US $ 6,000 for the revolving account.

Navigation / ergonomics

The new navigation bar really gives easy access to all the main pages of the site. Suddenly it becomes pleasant and easier.

With the Paydaychampion site you have several ways to access credits :
- the simulation on the home page
- the personal loan, car loan, work loan, loan repurchase and revolving loan pages.
This is a bit confusing but can be of benefit to Internet users who are not familiar with the product they want to purchase.

A site map accessible from all pages.

online services

A central tool on the home page allows simulations of 500 to 35,000 us dollars but it is impossible to choose specific amounts of credit : you can choose 15,000 or 15,500 us dollars but not 15,800 ... Likewise, it is impossible to choose non-annual credit terms: no 32-month credit with Paydaychampion.

Paydaychampion has put in place a service that we consider very useful, namely, for small amounts of credit, offer 2 results for the simulations : one in personal loan and one in revolving credit. This allows the visitor to choose and compare directly online.

The credit application form has also been revised. Much smoother and easier to complete. The information requested is well explained. At the end of the form Paydaychampion gives an answer in principle immediately.

Consumer service is not accessible online.

A Credit Guide is available as well as a section Choosing the right credit . To access it, go through the site map. The FAQ part is much more practical and complete with concrete use cases.

The News section has disappeared but it was not really interesting, so all the better!

Paydaychampion now gives answer online

Possibility of printing the contract online.

Online Products

Revolving credit : after having offered up to 3 types of cash reserves, Paydaychampion is refocusing on a single product: the Accessio account . This revolving credit is available from 500 to 6,000 us dollars and is reimbursed according to 3 formulas:
- 29 months maximum for the Comfort formula
- 24 months maximum for the Fast formula
- 16 months maximum for the Express formula.

The personal loan ( Finance your projects ) is available from 500 to 35,000 us dollars for car, work, travel or consumption projects.

The credit redemption section allows you to simulate your credit in the form of a personal loan of 3000 to 80,000 us dollars. This page has been greatly simplified and has gained clarity.


Paydaychampion offers mobile telephony offers from 3.99 us dollars / month with 2 hours of calling, with unlimited sms / mms.

Paydaychampion offers various insurance offers: death, disability, dismissal, work stoppage, loan ...

Our opinion on the Paydaychampion offer

The simulation which presents several results in revolving credit and personal loan is really a significant addition in the consumer credit market. The results of the simulations are very clear for personal loans.
Paydaychampion strongly insists on the availability of its advisers and the quality of service ... perhaps a way of standing out from banks and their voice servers. Note, Paydaychampion was elected Customer Service 2016 for the fourth consecutive year.

Concentration in the banking sector has enabled Paydaychampion to be backed by a major finance company, Banque Fédérative du Crédit Mutuel (BFCM), while retaining its capital origins with the 3 Suisses International Group (3SI).


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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