Créatis products, services and reviews

Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Créatis

Special offer
Protected up to €100K
Free maintenance
Up to

3.80%

Annual fee

Free

Cashback

No

Interest rates up to 3.80%

Open and manage directly on PickTheBank Platform

Terms from 3 months to 5 years

Annual interest payments

Protected by Deposit Guarantee System up to 100.000 EUR

bank1039FR

Créatis

4.1

France

Credit ratings

Deposit Guarantee Scheme (DGS)

Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered

S&P

-

Moody’s

-

Fitch

-

About Créatis

Créatis is a French credit institution focused on consumer finance, best known for debt consolidation (rachat de crédits) and personal loans delivered remotely via web, phone, and a broker network, without a retail branch footprint. It operates within the Cofidis Participations group and is supervised in France by the ACPR; standard sector rules apply, including APR disclosure (TAEG), usury caps, affordability checks, and the right to early repayment with indemnities limited by law for consumer loans. The offer typically covers consolidation of multiple liabilities into a single fixed-rate loan, with or without collateral depending on the amount and borrower profile, as well as earmarked personal loans (e.g., vehicle or home improvement). Applications are initiated online with identity, income, and banking documentation; creditworthiness is assessed using bank statements, debt-to-income metrics, and mandatory consultations of national credit incident registers, and a decision is communicated after underwriting, with funds generally sent directly to creditors in the case of consolidation. Optional borrower insurance is available and can be substituted with equivalent cover as permitted by French law; fees and commissions, when applicable, are included in the APR. Repayments are usually collected by SEPA direct debit, and electronic signature and a secure client area are provided for follow-up. Pricing depends on amount, term, and risk, and longer maturities reduce monthly instalments but increase total cost of credit. Customer service is handled remotely and a formal complaints process with access to mediation is in place. If the institution holds eligible deposits, coverage would fall under the French deposit guarantee scheme (FGDR) up to the statutory limit.

Créatis Deposit guarantee scheme participation

Créatis participates in the deposit guarantee scheme of France which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

Créatis Countries of operations

Créatis offers their savings products in

Products offered by Créatis and interest rates

Créatis offers 0 deposits and 0 savings accounts in .

Best interest rates in France

12 mths Fixed deposits

3.3%

USD

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24 mths Fixed deposits

2.25%

EUR

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36 mths Fixed deposits

2.25%

EUR

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00

Loans offered by Créatis

There are no products yet

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0

Bank identifiers

BIC number

CRTAFR21

Name

Créatis

Country

France