Comparisons of classic credits


With this type of loan you define from the subscription the borrowed capital, the repayment period and the rate (or rather the banker does it for you!). You will no longer be able to modify this data thereafter during the entire reimbursement period.
Each new project therefore requires you to take out a new loan ...

Good points :
The rates of conventional loans are generally lower than those of other types of credit.

Negative points :
This type of credit does not allow you to respond to the progress of your projects. Throughout the duration of the loan, your only solution is to re-borrow ... and to redo a file ...

Our advice:
Reserve this type of credit for purchases of more than 4000 us dollars (car, major works, equipped kitchen, etc.). Beware of offers such as "Rate from X%" which require you to read all the small lines!
Return our advice before taking out a classic loan .

September 2020
Here is an example of a credit request made with different establishments, for a sum of 10,000 us dollars repaid in 36 months (typically for work).


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

For a smaller amount compare revolving credit offers.
For other projects or higher amounts, also consult the complete comparative table of credit offers (work, car, reserve ...).
Find out more about the Works loan

September 2020
Here is an example of a loan application made with different establishments, for a sum of 15,000 us dollars repaid in 60 months (typically for a new small car).


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

For a smaller amount compare revolving credit offers.
For other projects or higher amounts, also consult the complete comparative table of credit offers (work, car, reserve ...).
Find out more about the New Car loan
Find out more about used car credit

(*) The results and rankings presented on rkenneylaw.com are based on a selection of financial companies based on the following criteria: the APR, the duration, the amount borrowed and the purpose of the loan. All the companies presented are recognized by the entire profession and are part of the ASF (Association Française des Sociétés Financières). The rankings made on the basis of the total cost are given for information only and do not in any way constitute a contractual commitment. We urge you to carry out a simulation in all cases before applying for credit.
(**) The rates presented (fixed APR) correspond to the applicable minimum rates and are indicative. They are likely to change after the in-depth analysis of your request



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

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