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).
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.
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 ...
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 ...