Responsible lending
Lending institutions have the capacity to help people improve their lives and achieve their goals. The Cofidis Group and its subsidiaries know how useful they can be to their customers, so they ensure responsible products and relationships that protect customers from risky behaviour and situations.
Consumer credit: a real social utility
2/3 of vehicles
on credit
Only 10%
In 3/4 of cases
Our commitment: combating over-indebtedness
Before granting any loan application, we closely examine the case. The applicant must provide several supporting documents depending on the loan requested: On average, we grant just 1 out of every 10 online loan applications from customers with whom we have no existing relationship.
Cofidis is also committed to the credit score system, which does not exist in France and which would make it possible to know about all of a customer’s loans and avoid any accumulation of debts.
And let’s not forget, France has more than 15 laws governing the terms and conditions of consumer credit, designed to provide the best possible consumer protection.
In 3/4 of cases, over-indebtedness is linked to unforeseen life events. So, we maintain a close relationship with our customers throughout the borrowing process, especially if they run into difficulties. Most of our subsidiaries have a team dedicated to customers in precarious circumstances.
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