COFINANCE will soon have no secrets for you
Discover our conditions!


A credit commits you and must be repaid.

Check your repayment capacity before you commit.

Initial conditions to be met in order to obtain a loan from COFINANCE :

  • Be at least 18 years old.
  • Be a natural or legal person capable of honouring a commitment.
  • Have a minimum monthly income of 500€..

Supporting documents to be provided for individuals :

  • Scanned identification documents on both sides.
  • Last electricity bill or any other equivalent document proving your residence address.
  • Last pay slip or any other document to prove your monthly income.

Supporting documents to be provided for companies :

  • Name of your company
  • Legal registration number of the company
  • Address of the company's registered office
  • Telephone number of the company
  • The company's share capital
  • The name of the company director
  • The manager's mobile phone number
  • The annual income of the company
  • A copy of the manager's passport
  • Purpose of the loan
  • A copy of the commercial plan of the loan project.

"So, you provide the data according to the type of loan: individual or company."

" The Annual Percentage Rate (APR) replaced the Annual Percentage Rate (APR) on 1 October 2016."

  • More precise in the realization of the loan contracts of the banking establishments, it integrates the insurance death and invalidity, the unemployment insurance and the European standards. Our interest rate is 2% per year. The duration of your loan cannot exceed 30 years or 360 months. The loan repayment period varies from 12 months to 360 months. It is up to you to choose the loan repayment period according to your ability to repay.

Start of monthly loan payments :

  • They will start between 03 months or 06 months or even 12 months from the day the borrower receives the full amount of his loan. This grace period is given according to the amount of the loan, the more the amount of the loan is big the more the grace period is big.

Pause in the repayment or postponement of a monthly payment is free of charge without any indemnity or penalty:

  • To study the possibility of postponing a deadline, you can contact us by phone or from the contact form available on our website or by email directly. You can request the postponement of one or two deadlines per year. You must make the request 7 days before the next due date. This payment break will be granted provided that at the time of your request for deferment, your credit is not outstanding or in arrears and that you have not benefited from a deferment in the previous 2 months.

Early repayment :

  • Whether you have taken out a business loan or a personal loan, you can repay all or part of your outstanding credit at any time without charge or penalty.

Loan agreement and credit insurance :

  • The borrower will have to sign a loan agreement and a credit insurance certificate. The insurance covers you in the event of death, total and irreversible loss of autonomy, total incapacity to work due to illness or accident and loss of employment due to redundancy in accordance with Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of insurance and reinsurance and in particular Article 109a(1) thereof.
  • These are our conditions below so please send us the amount of the loan and the duration of the loan repayment, if these conditions suit you. You will get your loan in 07 working days if you provide the data quickly as this will allow us to establish your loan file and draft the loan contract. After signing the loan contract and registering it with the tax office (DGFI), the loan amount will be paid to you and credited to your beneficiary bank account.

    We count on your high sense of understanding and your frank collaboration. We look forward to hearing from you soon.


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What happens at the end of the loan agreement?

We offer you the opportunity to renew the loan.

Depending on your driving, you may deserve a COFINANCE Silver Decoration Star.

Or you will simply earn a small loyalty gift.

You have a project, we have the experts

Let's trade together, it's simple and without commitment.