Finaref website A complete offer

Originally, Finaref was a subsidiary of the Pinaut-Printemps-La Redoute (PPR) Group. Although the company was bought by the Crédit Agricole Group , it continues to manage the loans of the main companies of its original group: Fnac, La Redoute, Surcouf, Le Printemps, Vertbaudet ...
The new Finaref site presents almost all of what can be done in terms of credit: all consumer loans are available .

Note: Finaref has been completely absorbed by the Sofinco group. The Finaref brand and the corresponding offer therefore no longer exist. Consult the comparison of current loan offers .

Online information

Credit pricing : if the lowest rate appears clearly at the top of the page, the high rate brackets are placed at the bottom of the page in small characters.

Finaref offers several types of credits :
- car loan
- work credit and personal loan up to 10,000 us dollars
- the money reserve ( Mistral Account ) up to 4,000 us dollars
- the repurchase of credit up to 38,000 us dollars.

The legal notices of the site are present and accessible from the bottom of the pages.

Terms and amounts indicated on each product page.

No online consumer service, but a surcharged telephone number: 0.891.705.705 (0.225 Euro / min).

Navigation / ergonomics

A global navigation bar provides access to the various sections of the site. This makes it very easy to find the desired page.

The site presents some Flash animations which do not add anything but are not a hindrance for navigation either. For example the page "Credit Instructions" could quite simply have explained the different stages of credit, without going through an animation.

online services

Apart from the online credit application, the Finaref site offers the telephone and of course the mail as means of contact.

No site map, too bad.

A simulation tool that only offers you fixed durations and that requires you to borrow over 12, 24, 36 months ... The result takes a few moments to appear ... wait!

Possibility to print the credit agreement online or to receive it at home: a good point which saves time.

Online monitoring directly accessible from the home page.

For personal loans and the repurchase of credit, Finaref will ask you for an application fee of 1% of the borrowed capital with a maximum of 99 us dollars.


Finaref presents a page of promotional offers reserved for holders of the cards it manages such as Club Med, Kadéos or Vertbaudet ...

Our opinion on the 123Credit offer

A comprehensive site that covers all consumer credit needs. The interest rates are in a rather high average but the promotions make it possible to obtain credit at attractive rates.

The credit simulator would have deserved a less graphic but more practical treatment ...


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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