Cofidis vs CCF (loans): which is better? Comparison 2026

By our public methodology Cofidis scores 74 out of 100 and CCF (loans) scores 55. Below: the factors and facts where they differ, each fact with its source.

Personal loans in France 2026: licensed credit institutions ranked How we rank

1

Cofidis

74/100
3

CCF (loans)

55/100

Score breakdown

CofidisCCF (loans)
Licence10040
Transparency6080
Cost5854
Service6439

Pros and cons

Cofidis

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Publishes how to complain
  • No arrangement fee in the standard terms

CCF (loans)

  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain
  • Long maximum term
  • An arrangement fee can apply

Facts side by side

FactCofidisCCF (loans)
Licensed since1982 cofidis.frNot verified
Licensed by the regulatorYes cofidis.frYes ccf.fr
Published rate, % of country reference134% cofidis.fr92% ccf.fr
Free early repaymentYes cofidis.frNot verified
No arrangement feeYes cofidis.frNo ccf.fr
Fees or terms publishedNot verifiedYes ccf.fr
Complaints procedureYes cofidis.frYes ccf.fr
Online application for new customersYes cofidis.frNot verified
Support hours a week61 h cofidis.fr68 h ccf.fr
Maximum amount, % of country reference70% cofidis.fr150% ccf.fr
Longest term84 mo cofidis.fr120 mo ccf.fr

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