Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Cofidis FR
What sets them apart
| Compare |  Addi |  Cofidis FR |
|---|---|---|
| APR | 0% to 29.14%Lower | 5.43% to 8.54% |
| Term | 1 to 6 months | 12 to 84 monthsHigher |
| Arrangement fee | 0 COP (no handling fee) | 0 EUR |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Under 8 days after contract signature (express request) |
| Loan types | BNPL, Credit line | Personal, Credit line, Debt consolidation, Car, BNPLCovers more |
| Loan amount | Not confirmed | €500 to €35,000 |
| Representative example | Not confirmed | Personal loan of 16,000 EUR over 60 months: 8.54% fixed TAEG (8.22% fixed nominal rate), 326.11 EUR per month, 19,566.23 EUR total due |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Cofidis FR is available in 1 more country.
- APR is lower at Addi: 0% to 29.14% vs 5.43% to 8.54%.
- Term is higher at Cofidis FR: 12 to 84 months vs 1 to 6 months.
- Support channels: only Addi offers Community.
- Support channels: only Cofidis FR offers Chat.
- Loan types: only Cofidis FR offers Personal, Debt consolidation, Car.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Cofidis FR
Cofidis is a sensible pick for anyone borrowing in France for a car, a home project or a consolidation. Fees of 0 EUR, rates of 5.43% to 8.54% and a hard credit check keep the offer clear, and free early repayment leaves room to pay it off sooner.
Score breakdown
| Area | Addi | Cofidis FR |
|---|---|---|
| Cost | 9.5Higher | 9.3 |
| Offer | 9.0 | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. |
| Trust | 9.2 | 9.4Higher |
Pick Addi if, pick Cofidis FR if
Pick Addi if apr matter most.
Pick Cofidis FR if offer, term, and loan types matter most.
From lowest to highest
| Fact | Addi | Cofidis FR |
|---|---|---|
| APR | 0% to 29.14% | 5.43% to 8.54% |
| Term | 1 to 6 months | 12 to 84 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 29.14% for Addi and 5.43% to 8.54% for Cofidis FR.
FINANZCHECK.de reviewWhere these facts come from
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Cofidis FR
- cofidis.fr: 16 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | Addi | Cofidis FR |
|---|---|---|
| Lines of credit | 51 of 328 | 55 of 328 |
| Buy now, pay later | 12 of 88 | 13 of 88 |
Every fact side by side
| Fact | Addi | Cofidis FR |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Adelante Soluciones Financieras S.A.S. | Cofidis |
| Headquarters | Colombia | Belgium |
| Founded | Not confirmed | 1982 |
| Support channels | Email, Phone, Help centre, Community | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Addi | Cofidis FR | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 5.43% to 8.54%below the median | 8.99 |
| Loan amount | Not confirmed | €500 to €35,000below the median | €40,000 |
| Term | 1 to 6 monthslowest quarter | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Cofidis FR
Pros
- No origination fee on the loans listed here, so the quoted rate is the main cost
- Fixed rate lending only, so repayments do not move with market rates
- Free early repayment, so overpaying is not penalised
Cons
- Hard credit check, so a declined application leaves an impact on the credit file
- Funding takes Under 8 days after contract signature (express request), which is slower than same day lenders
- The shortest available term is 12 to 84, so shorter borrowing is not an option
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Cofidis FR
Who it suits
- Borrowers in France funding a car, a home project or an existing balance
- People with a solid credit file who pass a full credit check
- Anyone who values a fixed rate and no origination fee over speed
Who should look elsewhere
- Anyone needing money the same day, since funding runs to Under 8 days after contract signature (express request)
- Applicants with thin credit, as the credit check is hard
- Monzo Flex, if you want a wider rate range at 10% to 23%
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Cofidis FR
Current offer
Bonus
Decouvrez l'offre Monabanq !: Up to 280 EUR
Offer valid for a limited period, subject to Monabanq partner conditions
Source, checked September 26, 2026
Country by country
| Country | Addi | Cofidis FR |
|---|---|---|
| Belgium | No | Yes |
| Colombia | Yes | No |
| France | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Cofidis FR
What does Cofidis charge for arranging a loan?+
The origination fee is 0 EUR, so nothing is added on top of the quoted rate. That makes the headline rate the main cost to compare. Early repayment is free, so finishing sooner does not attract a charge.
What rate will I pay on a Cofidis personal loan?+
Rates run 5.43% to 8.54% on a fixed basis, and the rate type is fixed rather than variable. That means the monthly amount holds for the length of the agreement. It sits below the site median of 12%.