All the personal loans pages present the pricing of the project concerned. The legal notices are very visible, written several times on each page!
The project pages all clearly present the loan amounts and possible durations. For the New Car , it is possible to borrow from $ 5,000 to $ 75,000 over 12 to 72 months. For used cars , these are the same amounts, but over a period of 12 to 60 months.
The Works projects are financed between $ 3,800 and $ 75,000, over a period of 36 to 120 months.
The legal notices are accessible from all pages of the site.
Possibility of taking out a loan with or without contribution.
The navigation bar provides quick access to all the main pages of the site: Credit solutions , Insurance , Loan buyback , Prepare your project , Find out about us .
Not too many animations and videos on the pages of the site. Only the home page presents a "large format" credit promotion.
Still on the home page, the credit simulation is dominant and that's good, because that's why we come to the Sofinco site!
The site map has been added at the bottom of each page ... in a visible manner.
A simulation tool is available from the home page. You must first click on the icon of your project (car, need for money, work, repurchase of credit) and then select an amount. One click provides a result ... or results ... In fact, the simulation result presents over 10 monthly installments for a simulation car and 5 for work ... Clicking one from them you can see the duration, the APR, the total cost. An astonishing approach, but ultimately quite practical.
For an amount less than 3000 us dollars , whatever the project, it is the revolving credit “Agile” which is proposed, and for a higher amount it is the personal loan.
A summary of the credit requested appears while filling out the credit request form.
A real plus: the possibility for Sofinco customers to identify themselves and thus avoid filling out the entire loan application (with an identifier).
In the customer area, you have the possibility to consult the information that Sofinco holds about you. You can therefore update them , change your address ... This is the only correct customer area that we have found so well done.
No Internet access to the Sofinco Consumer Service. To contact them, write to: Service Consommateurs CA Consumer finance, rue du Bois Sauvage, 91038 EVRY Cedex.
The site has online monitoring of your credit application. This tool lets you know where you are without sending an email or phone call.
Sofinco no longer takes application fees on all online personal loans. For the repurchase of credit, the application fees correspond to 1% of the amount borrowed and are capped at $ 150.
Sofinco launched its Commitments Pack with services that are certainly interesting, but which are not very innovative:
Advantageous credit card card fee
The VISA card for € 19 / year only and the VISA Premier card for € 49 / year only, while benefiting from insurance guarantees and exclusive assistance ...
Sofinco is a brand of CA Consumer Finance (Crédit Agricole Group). With 78.3 billion euros in assets under management at the end of 2011, and a presence in 23 countries, Crédit Agricole Consumer Finance, resulting from the merger on April 1, 2010 of Sofinco and Finaref, is a major player in consumer credit .