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Consumer Credit

Why take out a consumer credit with Kreditys?

Consumer credit is commonly considered a timely financial solution by many consumers to achieve their personal goals while maintaining control of their budget. More and more people are choosing to finance various purchases such as a vehicle or education by using credit, either by choice or by necessity. However, it is crucial to take into account several essential information before committing to this approach in order to make an informed choice. In this context, Kreditys presents itself as an ideal and reliable solution that meets your needs .

What is a consumer credit?

A consumer credit is a loan granted to an individual by a bank or a specialized organization, either directly or through a third party (store, merchant site, online comparator, etc.).

The amount of a consumer credit is between 200 and 75.000 € and can only be used for private expenses, i.e. not related to your professional activity, not intended for the construction or purchase of a property.

Consumer credit can be used to finance a variety of projects, from renovation work to a trip abroad, a wedding, the purchase of a car, or the purchase of household appliances. In return, the borrower undertakes to repay in instalments the sum made available plus interest. Consumer credit is governed by the Consumer Code.

How does a consumer credit work?

Consumer credit: how does it work?

Easy to obtain, consumer credit is subject to a number of rules aimed at protecting the consumer and defined by the Consumer Code.

Thus, each credit agreement offer must provide the potential borrower with all the information needed to make an informed decision to take out a loan:

  • The nature of the credit
  • Its duration
  • Its effective annual rate (APR) including fees in large print
  • Its total cost, including a precise and quantified example
  • The number of installments and the amount of each installment

As a borrower with Kreditys, you can take advantage of competitive rates, flexible repayment terms and simplified loan management. In addition, Kreditys is committed to providing transparent and clear service, explaining all the terms and conditions of the loan, including any fees and repayment schedules.


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Consumer loan: what are the different types of credit?
The affected credit

The affected credit (affected personal loan) is a credit granted for a specific use:

  • a car;
  • a kitchen ;
  • Works ;
  • etc.

The affected credit has several advantages for the buyer in terms of security:

  • if the loan is refused, the purchase is automatically cancelled, except in the case of a change of payment method to cash;
  • the repayment of the credit will only start after the delivery of the goods or the performance of the services. Non-delivery, defective goods or non-performance of the service will result in the cancellation of the loan agreement;
  • if during the legal retraction period granted by the law, the borrower renounces the loan, the sale is cancelled;
  • a possible dispute during the course of the contract may lead to the suspension of repayment, and if the sale is cancelled, to the termination of the loan.
The personal loan

The personal loan is granted to an individual to finance all kinds of needs. The funds are paid into the bank account at once and repaid monthly with interest. A personal loan is a short-term loan with a fixed interest rate for the duration of the contract. For example, in the event of a financial emergency, you can use a personal microcredit.

Non-affected credit

The personal loan is granted to an individual in order to finance all kinds of needs, it is a consumer credit without justification. The funds are deposited in a single payment into the bank account and are repaid monthly with interest.

This type of loan is easier to obtain, but has a higher interest rate since the bank or lending institution has no guarantees on the use of the money.

Revolving credit

The revolving credit or revolving credit consists of a reserve of money which the borrower may use freely, in part or in full.

As he or she repays the amounts spent during the term agreed to in the contract, the initial reserve is replenished up to the authorized amount, and can again be used


The consumer rents the property and pays a fixed monthly rent. At the end of the contract, the consumer can become the owner by paying the residual value fixed at the time of the agreement or terminate the contract.

The characteristics of our Consumer Credit :

Our consumer loan offering is designed to meet the financing needs of our customers. With competitive interest rates, flexible repayment terms and fast approval, our personal loan is a convenient solution for those looking to finance personal projects or consolidate debt. We work closely with our clients to provide financing that fits their needs and budget.

We offer diversified loan solutions adapted to your needs.

At Kreditys, we are proud to offer a variety of online loan choices to meet the diverse needs of our customers. Whether you need a personal loan to finance a personal project, a mortgage to buy a home, a car loan to purchase your dream vehicle, or a student loan to invest in your future, we have the right solution for you. With our user-friendly online platform, you can easily compare loan options, choose the one that best suits your needs and apply in just a few clicks.

Credit Repurchase

You have accumulated several credits and you have difficulties to pay them back? Credit repurchase is the solution you need to simplify your finances and reduce your monthly payments.

Auto/Moto Credit

Looking to finance the purchase of your next car or motorcycle? At Kreditys, we offer a fast and easy online car/motorcycle credit solution.

Business loans

Are you a business owner or entrepreneur looking for financing for your business project? At Kreditys, we offer you professional loans adapted to your needs.

Why choose the Kredytis personal loan.
  • An immediate response in principle.
  • Personalized support from the loan application to the repayment.
  • A competitive interest rate, fixed for the duration of the loan.
  • Fixed monthly payments, for easier budget management.
  • No application fee.
  • The possibility of prepayment at no extra cost.

Simple, Fast and Efficient

Online application

Go to our website and fill out our online loan application.


We will take into account your credibility and your ability to repay.


We will draw up a loan contract for you once your application has been validated.


The money is transferred directly to your bank account. Simple and fast.

Apply for your loan online today!

Get the financing you need now with Kréditys.

At Kreditys, our mission is to accompany you in your life projects by offering you customized financing solutions.


104 Rue Réaumur, 75002 Paris

+33 7 56 86 84 84



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