Cofidis products, services and reviews

About Cofidis

Cofidis is a consumer credit specialist headquartered in France that offers a range of credit products — primarily personal loans, revolving credit, payment-splitting solutions for purchases and related insurance options — delivered through online platforms and retail partnerships across multiple European markets; loan offers and interest rates are determined by underwriting assessments of applicants and vary significantly by country, product type and individual credit profile, with advertised conditions typically expressed as APRs and fixed or variable repayment terms; applications are processed digitally in many markets with identity and solvency checks, and borrowers should expect contractual fees, early repayment conditions and the possibility of insurance add-ons that change the overall cost; as with peers in the consumer finance sector, customer experiences and complaint volumes differ by market and are monitored under national financial regulators, so comparisons of effective cost, transparency of terms and customer service responsiveness are necessary when evaluating specific offers.