Our credit offerings


COFIDIS views credit as a convenient and practical element of everyday life. It is in this spirit that our company offers a broad range of consumer credit products to best satisfy customer demand.


Lines of credit

This open-end loan can be continually drawn up to a certain credit limit:

  • Free of restrictions, it can be repaid at any time without surcharges or prior notice
  • Flexible credit product
  • Pre-approved credit means there’s no need to apply for a new loan - loan funds can be accessed as necessary and repaid according to income levels

Personal loans

This closed-end loan can be used for any purpose:

  • Conventional credit product with no extension of term
  • Monthly repayment schedule calculated from the outset
  • Monthly repayment schedule calculated from the outset

Consumer durable loans

This closed-end loan is issued to finance goods or services specified in the loan agreement:

  • Loan issued specifically to pay for goods (i.e. vehicle) or services (i.e. home remodeling)
  • Repayment begins on receipt of the goods delivered or the service performed

Credit cards

Offered together with a line of credit, these cards enable payment of purchases in full, in a set number of installments or in small monthly payments:

  • Part of a package comprising a line of credit and a loyalty program
  • Enable financing of purchases made at COFIDIS retail partners
  • Entitle bearer to special privileges negotiated with the retail partner

E-credit: 1euro.com

1euro.com is a practical and secure payment solution for online purchases:

  • Financing solution for online purchases
  • Guaranteed and secure payment
  • Large network of affiliated e-commerce merchants
  • Broad range of repayment options

Loan consolidation

The accumulation of monthly payments to several creditors can strain the household budget. By consolidating all outstanding debt into a single, low monthly payment, a balanced budget can be maintained:

  • Consolidation of several loans into one
  • Reduced monthly payments through loan restructuring
  • Cash transfer and single customer contact