Site 123 Credit The consolidation of credits and nothing but the consolidation of credits

A true pioneer of credit on the Internet, the 123credit organization was originally (in 2000) a generalist website on credit. Besides car loans and personal loans, he even developed a fairly original permanent account where the rate was set according to the client's budget and situation. In 2007, CCF sold the site and the brand to the Cofinoga group. Since 2010 the 123credit site has been struggling, without updating, and without new features.
In 2012, the site was taken over by the company Laser (Cofinoga group) .
The new 123credit site is now specialized in the consolidation of consumer and real estate loans . The site therefore only offers you to group your credits with a single rate, over a single period, possibly adding a sum of money to finance a new project.

Note: 123Credit has been completely absorbed by the Cofinoga group. The 123Credit brand and the corresponding offer therefore no longer exist. Consult the credit offer directly on the Cofinoga website.

Online information

Credit pricing is available from the moment you perform a simulation. The rates are in the average of other credit institutions or banks.

On 123credit you can only subscribe to one type of product: the consolidation of credits in the form of a personal loan up to 200,000 us dollars. The terms range from 12 to 288 months . The application fee is 1.5% of the loan amount, with a maximum of 1000 us dollars.

An accessible page is devoted to legal notices .

Duration and possible credit amounts are not clearly indicated on the site, you have to do a simulation.

No access to the Consumer Service on the site.

Navigation / ergonomics

Simplified navigation bar: there are not many pages ...

Information not really practical to find.

A little too many photos and films: we would have preferred a little more explanation of the credits than the video testimonials ...

online services

Two possible means of contact : by phone (free callback) or by form

No site map ...

A simulation tool allows you to immediately know the quantified proposal in relation to your request. However, be careful, once the monthly payment is displayed, you must click again on "Continue the simulation" to know the rate, the duration and the costs.

Immediate response in principle at the end of the credit consolidation request form.

No possibility to print your contract online. It is only after you send your documents that the credit offer will be returned to you.

No possibility to follow your credit application online .

Application fees: maximum 1000 us dollars.

Our opinion on the 123Credit offer

An easy-to-access, practical site that would have benefited from having a little more explanation of the rates, the possible amounts, the durations and the administrative costs ....
Adding videos featuring testimonials doesn't help, but that's what marketing agencies usually do!
It's a very simple approach to credit redemption, almost playful. The fact of offering redemptions at a fixed rate and over periods determined in advance is reassuring and eliminates the risks.


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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