Cofidis: verified facts and rating
Checked 2026-10-30
Score breakdown
79% backed by facts · How we rank
Cofidis against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference74%123%100% · median 106.5%
Support hours a week50 h168 h50 h · median 84 h
Maximum amount, % of country reference50%125%100% · median 100%
Longest term72 mo96 mo96 mo · median 96 mo
Cofidis strengths and weaknesses
Pros
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
- No arrangement fee in the standard terms
Cons
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | Not verified | — | |
| Licensed by the regulator | Yes inscrita en el Registro del Banco de España con el N° 1543 | cofidis.es | 2026-10-30 |
| Published rate, % of country reference | 100% Ejemplo representativo. Para un préstamo de 10.000 € y con 48 mensualidades: TIN 10,55 %, TAE 11,08 % · APR 11.08% · index 100 = 11.08% (median at launch) | cofidis.es | 2026-10-30 |
| Free early repayment | No Sí, con una comisión del 1 % del capital reembolsado anticipadamente o de un 0,5 % si reembolsa en los últimos 12 meses. | cofidis.es | 2026-10-30 |
| No arrangement fee | Yes Comisión de apertura 0 % | cofidis.es | 2026-10-30 |
| Fees or terms published | Yes Información previa a la contratación Préstamo Personal | cofidis.es | 2026-10-30 |
| Complaints procedure | Yes ponemos a tu disposición el Servicio de Atención al Cliente (SAC) | cofidis.es | 2026-10-30 |
| Online application for new customers | Yes Rellena nuestro formulario online. Completa tus datos personales y financieros en nuestro formulario online. | cofidis.es | 2026-10-30 |
| Support hours a week | 50 h El horario de atención al cliente telefónico es de lunes a viernes de 9:00 a 19:00 horas | cofidis.es | 2026-10-30 |
| Maximum amount, % of country reference | 100% En Cofidis prestamos de 6.000 a 60.000 euros para préstamos personales · max 60000 EUR · index 100 = 60000 EUR (median at launch) | cofidis.es | 2026-10-30 |
| Longest term | 96 mo Plazo de devolución inicial de 12 a 96 meses sin comisiones de estudio, mantenimiento ni apertura. | cofidis.es | 2026-10-30 |