The personal loan
The personal loan is a consumer loan , that is to say it allows to finance personal needs and projects:
- need cash
- purchase of movable property (car, motorcycle, equipment, household appliances, IT, etc.)
- purchase of a service (travel, vacation, children's studies, subscription fees, etc.)
- housing expansion or improvement work (house or apartment)
- consolidation of credits (without mortgage).
PLEASE NOTE: for any financing request (called Cash ) of less than 5000 us dollars (sometimes $ 6000), some credit organizations will first offer you in the result of their simulator only a revolving account (often at more than 10% APR) . This can be practical, of course, for a small sum (preferably to be repaid quickly), in this case consult our comparison of revolving credits .
But, to benefit from a very low attractive rate announced, often promotional, limited in time and very interesting , you must either ask for 5000 us dollars or more in the simulator, or click on a more discreet link, often located below or around the simulator, leading to a personal loan (eg: "You prefer a repayable loan", or "You want a personal loan" ...)
Credit simulation for cash flow $ 5,000 in 12 months | ||||||
| # | Etab. | Mens. | Cost of credit | |||
|---|---|---|---|---|---|---|
| 1 |  | $ 420.49 | $ 44.81 | |||
| For a credit of 5000 us dollars, you repay 12 monthly payments of 420.49 $ (excluding insurance), for a total cost of 44.81 $. No administration fees. APR from 1.70%. | ||||||
| Make your own simulation online at Paydaychampion . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 2 |  | $ 423.86 | $ 86.32 | |||
| For a loan of 5000 us dollars, you reimburse 12 monthly payments of $ 423.86 (excluding insurance), for a total cost of $ 86.32. No administration fees. APR from 3.17%. | ||||||
| Make your own online simulation at Younited credit . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 3 |  | $ 438.90 | $ 266.80 | |||
| For a credit of 5000 us dollars, you reimburse 12 monthly payments of 438.90 $ (excluding insurance), for a total cost of 266.80 $. No administration fees. APR from 10.15%. | ||||||
| Make your own online simulation at FLOA bank . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 4 |  | $ 438.91 | $ 266.92 | |||
| For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%. | ||||||
| Make your own online simulation at Paydaynow . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 5 |  | $ 438.91 | $ 266.92 | |||
| For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%. | ||||||
| Make your own simulation online on Cofinoga . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
* Subject to acceptance by the lender - Update: 11/01/20
For the legislator (the last reform - Lois Lagarde - of the personal loan dates from 2011), the consumer can therefore use his loan as he wishes, and we are not talking about proof ... In fact, the banks have created product names indicating the destination of the financing: car loan, work loan , etc. This allows the pricing to be differentiated according to the project. Indeed, for example, a new car loan is always cheaper than a cash loan or a used car loan ...
The personal loan, how much?
The maximum amount for personal loans is set at US $ 75,000 , except for loan consolidation operations. The credit term is not fixed and may vary according to the lending institutions. Likewise, the administration fees are not an obligation.
How to compare personal loan offers?
Before committing to a personal loan, you must compare the different offers on the market . Contrary to popular belief, comparing rates is not enough to find the cheapest credit. To really make a comparison, all the data must be identical, that is to say: same amounts of credit and repayment period, same type of insurance. Once you've run multiple simulations, all you need to do is compare the total cost of each proposal. It is this single figure that makes it possible to make a comparison between several credit offers.
Comparison of personal loan offers
The personal loan comparison tables below are classified according to your project:
cash for 5,000 us dollars, in 12 or 24 months ,
work for 10,000 us dollars,
car for 15,000 us dollars
consolidation of credits for 25,000 us dollars.
For each table, the cheapest credit is placed at the head and the total cost is indicated in the 3rd column.
Credit simulation for cash flow $ 5,000 in 24 months | ||||||
| # | Etab. | Mens. | Cost of credit | |||
|---|---|---|---|---|---|---|
| 1 | | $ 215.23 | 165.52 $ | |||
| For a loan of 5000 us dollars, you repay 24 monthly payments of 215.23 $ (excluding insurance), for a total cost of 165.52 $. No administration fees. APR from 3.14%. | ||||||
| Make your own simulation online at Younited credit . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 2 | | $ 219.98 | $ 279.51 | |||
| For a loan of 5000 us dollars, you repay 24 monthly payments of $ 219.98 (excluding insurance), for a total cost of $ 279.51. No administration fees. APR from 5.41%. | ||||||
| Make your own simulation online at Paydaychampion . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 3 | | $ 232.15 | $ 521.20 | |||
| For a loan of 5000 us dollars, you repay 24 monthly installments of 232.15 $ (excluding insurance), for a total cost of 521.20 $. No administration fees. APR from 10.15%. | ||||||
| Make your own simulation online on FLOA bank . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 4 | | $ 230.06 | $ 521.44 | |||
| For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%. | ||||||
| Make your own simulation online at Paydaynow . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 5 | | $ 230.06 | $ 521.44 | |||
| For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%. | ||||||
| Make your own simulation online on Cofinoga . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
* Subject to acceptance by the lender - Update: 11/01/20
Credit simulation for works $ 10,000 over 36 months | ||||||
| # | Etab. | Mens. | Cost of credit | |||
|---|---|---|---|---|---|---|
| 1 | | $ 289.76 | $ 431.36 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 289.76 (excluding insurance), for a total cost of $ 431.36. No administration fees. APR from 2.80%. | ||||||
| Make your own online request at Paydaynow . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 2 | | $ 289.76 | $ 431.36 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 289.76 (excluding insurance), for a total cost of $ 431.36. No administration fees. APR from 2.80%. | ||||||
| Make your own online request on Cofinoga . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 3 |  | $ 289.78 | $ 432.08 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 289.78 (excluding insurance), for a total cost of $ 432.08. No administration fees. APR from 2.80%. | ||||||
| Make your own online request on Oney . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 4 | | $ 291.58 | $ 496.88 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 291.58 (excluding insurance), for a total cost of $ 496.88. No administration fees. APR from 3.17%. | ||||||
| Apply for yourself online at Younited credit . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 5 | | $ 299.93 | $ 797.44 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 299.93 (excluding insurance), for a total cost of $ 797.44. No administration fees. APR from 5.13%. | ||||||
| Make your own online request at Paydaychampion . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 6 | | $ 299.98 | $ 799.28 | |||
| For a loan of 10,000 us dollars, you repay 36 monthly payments of $ 299.98 (excluding insurance), for a total cost of $ 799.28. No administration fees. APR from 5.18%. | ||||||
| Make your own online request on FLOA bank . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
* Subject to acceptance by the lender - Update: 11/01/20
Credit simulation for the purchase of a New Car $ 15,000 over 60 months | ||||||
| # | Etab. | Mens. | Cost of credit | |||
|---|---|---|---|---|---|---|
| 1 | | $ 271.20 | $ 1272.00 | |||
| For a loan of 15,000 us dollars, you reimburse 60 monthly payments of $ 271.20 (excluding insurance), for a total cost of $ 1,272.00. No administration fees. APR from 3.39%. | ||||||
| Make your own simulation or request online on Paydaynow . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 2 | | $ 271.20 | $ 1272.00 | |||
| For a loan of 15,000 us dollars, you reimburse 60 monthly payments of $ 271.20 (excluding insurance), for a total cost of $ 1,272.00. No administration fees. APR from 3.39%. | ||||||
| Make your own simulation or request online on Cofinoga . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 3 | | $ 272.31 | $ 1388.60 | |||
| For a loan of 15,000 us dollars, you repay 60 monthly payments of $ 272.31 (excluding insurance), for a total cost of $ 1388.60. No administration fees. APR from 3.42%. | ||||||
| Make your own simulation or online application on Younited credit . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 4 | | $ 283.41 | 2004.41 $ | |||
| For a loan of 15,000 us dollars, you repay 60 monthly installments of $ 283.41 (excluding insurance), for a total cost of $ 2004.41. No administration fees. APR from 5.14%. | ||||||
| Make your own simulation or request online at Paydaychampion . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 5 | | $ 283.49 | $ 2009.40 | |||
| For a loan of 15,000 us dollars, you reimburse 60 monthly payments of $ 283.49 (excluding insurance), for a total cost of $ 2009.40. No administration fees. APR from 5.18%. | ||||||
| Make your own simulation or request online on FLOA bank . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
* Subject to acceptance by the lender - Update: 11/01/20
Find out more about the New Car loan
Find out more about used car credit
Credit simulation for a credit buyback $ 25,000 in 72 months | ||||||
| # | Etab. | Mens. | Cost of credit | |||
|---|---|---|---|---|---|---|
| 1 | | $ 382.66 | $ 2551.50 | |||
| For a loan of 25,000 us dollars, you reimburse 72 monthly installments of 382.66 $ (excluding insurance), for a total cost of 2551.50 $. $ 1000 administration fees. APR from 3.30%. | ||||||
| Make your own simulation or online application on Younited credit . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 2 | | $ 430.44 | $ 5,991.68 | |||
| For a loan of 25,000 us dollars, you repay 72 monthly payments of $ 430.44 (excluding insurance), for a total cost of $ 5,991.68. No administration fees. APR from 7.60%. | ||||||
| Make your own simulation or request online on Paydaynow . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
| 3 | | $ 465.01 | $ 8015.71 | |||
| For a loan of 25,000 us dollars, you reimburse 72 monthly installments of $ 465.01 (excluding insurance), for a total cost of $ 8015.71. $ 375 administration fees. APR from 9.90%. | ||||||
| Make your own simulation or request online on Cofinoga . It's simple, fast, without obligation, and also suitable for mobile. | ||||||
* Subject to acceptance by the lender - Update: 11/01/20
Our comparative tables
Credit comparison for all projects 5000 us dollars in 12 months
Credit comparison for all projects 5000 us dollars in 24 months
Credit comparison Works of 10,000 us dollars in 36 months
New car credit comparison of 15,000 us dollars in 60 months
Comparison of redemption of credits 25,000 us dollars in 72 months
See as well
News
The car market on the rise in May 2017: 191,419 registrations
Registrations in France increased by 8.9% last month compared to May 2016, according to figures published by the CCFA (Committee of French Manufacturers of Automobiles). Overall, over the first 5 months of the year, the increase is + 3.3% (compared to 2016). However, French groups are progressing less (+ 8%) than foreign groups (+ 9.9%). The PSA group underperformed at only + 4.3%, while Renault reached 12.5%! The Renault Clio IV is still the sales leader with 5.5% of sales in May. Then followed 3 Peugeot models: the 208 then the 2008 and finally the 308 II. Citroën places its first model in 5th position with the C3 III. For the rest of the ranking, we follow the Peugeot 3008 II, the Renault Captur, the Dacia Sandero, the Renault Mégane IV and finally the Citroën C4 II Picasso in 10th position.
The cheapest cars
Be careful, before going any further, we are not talking here about the cars which are the cheapest to buy, but about the calculation which compiles the real cost, over one year, of a vehicle. The Argus magazine communicates the figures based on the PRK, the Kilometric Revenue Price. The study takes into account the price of the vehicle, fixed costs, fuel, maintenance, residual value ... Everything is calculated for 1,500 vehicles over the next 5 years, and with 4 estimated annual mileage: 10 , 15, 25 and 35,000 kilometers. Over a year and 15,000 kilometers the first is the Dacia Sandéro TCe 90 Ambiance, tied with the Suzuki Ceterio 1.0 Avantage, and the Dacia Logan CMV 1.5 dCi 75 hp Ambiance ... With a cost per kilometer of only $ 0.47 . Then follow the Dacia Sandero 1.5 dCi 90hp at $ 0.49, the Kia Picanto 1.066hp Motion ($ 0.50, the Smart Fortwo coupé 61hp Pure ($ 0.51) the Ford Ka + 1.2 Ti-VCT 70ch Essentiel ( $ 0.52) and to finish in 9th and 10th place the Dacia Dokker 1.5 Dci 75 hp Silver Line and the Dacia Duster 1.5 DCI 90 hp 4x2 ($ 0.53) ... For the most expensive, over 4 $, we find the Lexus RC F, the BMW series 5, the Mercedes GLE 400, the Alfa Roméo Gliulia, the Infiniti QX70, the Genesis and at the top of the top the BMW series 5 Gran Turismo with a nice $ 5.02 ... We can applaud and encourage Argus for this study which sets the record straight and does not necessarily go in the direction of the advertisements of this magazine ...
Check your repayment capacity before you commit.
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