Cofidis vs Monabanq: which is better? Comparison 2026

By our public methodology Cofidis scores 74 out of 100 and Monabanq scores 57. 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
2

Monabanq

57/100

Score breakdown

CofidisMonabanq
Licence10040
Transparency6080
Cost5868
Service6423

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

Monabanq

  • 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
  • Online application is not open to new customers

Facts side by side

FactCofidisMonabanq
Licensed since1982 cofidis.frNot verified
Licensed by the regulatorYes cofidis.frYes monabanq.com
Published rate, % of country reference134% cofidis.fr114% monabanq.com
Free early repaymentYes cofidis.frNot verified
No arrangement feeYes cofidis.frYes monabanq.com
Fees or terms publishedNot verifiedYes monabanq.com
Complaints procedureYes cofidis.frYes monabanq.com
Online application for new customersYes cofidis.frNo monabanq.com
Support hours a week61 h cofidis.frNot verified
Maximum amount, % of country reference70% cofidis.fr100% monabanq.com
Longest term84 mo cofidis.fr84 mo monabanq.com

← Consumer loans