FLOA bank

FLOA bank website Online credit… totally online and electronic!

New to the online credit market, FLOA bank already offers the 3 best-selling products on the net: personal loan , cash reserve and credit redemption ...

Banque Casino is a subsidiary of the Casino group and Crédit Mutuel . The partners are clearly announced: the Casino stores, and the number 1 in e-commerce in France, Cdiscount. FLOA bank also offers online payment solutions for e-merchants. This fragmented payment solution is not accessible on the FLOA bank website. The site was redesigned for the first time at the beginning of 2008. The site currently online has a very promotional approach, with many self-promoting advertising blocks.
A major innovation compared to competitors, FLOA bank offers electronic signatures .

NOVEMBER 2020 : Banque Casino becomes FLOA bank.

Online information

Pricing accessible on the pages personal loans, repurchase of credits and reserve of money. The personal loan is possible between 3000 and 50 000 us dollars, over a period of 12 to 84 months. For the car loan, the amount is limited to 38,000 us dollars. Work credits can be up to 40,000 us dollars.

The Dispo loan, or revolving credit, is offered up to US $ 6,000.

Legal notices available at the bottom of the page.

The solution pages are now much more informative.

The credit redemption page has been completely revised and is now much more readable. It is possible to borrow up to 75,000 us dollars over a period of 24 to 180 months, but without redeeming a mortgage.

Consumer service not indicated on the site, and not found in the search engine. The Customer Relations Center is however available depending on the card held on 0825 95 49 85 (Service 0.15 euro / minute + price of the call).

Navigation / ergonomics

Presence of a navigation bar on all the pages of the site.

Information relatively easy to find.

Many activities especially on the home page ...

Non-credit products have multiplied and FLOA bank now offers car, dog-cat, home insurance, etc.

A space at the bottom of all pages serves as a Sitemap and allows you to find a specific page.

online services

The simulation module is much simpler than before. If there is still a cursor, it is possible to choose exactly the amount you want to borrow (for example by entering 17780 us dollars for a car). The durations of credits are fixed, but there is a choice.

For personal loans and revolving credit, after filling out the form, you get an immediate first response in principle .

FLOA bank also offers to set up and finance your credit file in a completely electronic and virtual way thanks to the electronic signature .
You can “sign online” your loan application after downloading your supporting documents. No printing, therefore no paper!… A small gesture for the environment!

Our opinion on the FLOA bank offer

The new FLOA bank site is actually much easier to use and the services are more numerous. Even if the Promo side is sometimes too present, the simulation is of high quality and the credit application is simplified.
The new electronic signature service places FLOA bank among the most innovative and ecological online loans!
The pricing is in the average and in place, in our credit comparators , FLOA bank at the level of Paydaychampion and Cofinoga.


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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