BoursoBank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BoursoBank suits borrowers in France who already bank with the brand and want low fixed rates without setup fees. The personal loan APR is 4.9% and the home loan initial rate is 3.5%, though the hard credit check and an existing current account narrow who qualifies.

Key facts

Best for
Existing BoursoBank customers in France borrowing for a car, a home project or a home purchase.
Initial rate
3.5% (Source, checked September 26, 2026)
APRC
3.79% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Boursorama SA (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Official website
boursobank.com

Loans

APR
4.9% (Source, checked September 26, 2026)
Loan amount
€3,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
Personal loan of 10 000 EUR over 48 months: 48 monthly payments of 229,36 EUR excluding optional insurance, total due 11 009,28 EUR, fixed TAEG 4,90% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Be of legal age, have regular income, be tax resident in metropolitan France or the French overseas departments, not be flagged at the Banque de France, and hold a BoursoBank current account for at least 3 months (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Boursorama SA (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App Store
Elsewhere
Trustpilot

Pros and cons

Pros

  • No arrangement fee on personal loans, with 0 EUR charged
  • Fixed rates throughout, with home loans fixed for 20
  • Early repayment is free, so personal, car and debt consolidation loans can be cleared early without charge
  • A 4.9% personal loan APR sits well under the site median of 12%

Cons

  • You need a BoursoBank current account held for a minimum period before applying
  • A hard credit check is required, while only 20.4% of the site uses a soft check
  • Phone and chat are not among its support channels, which run on help centre
BoursoBank

Ready to try BoursoBank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults in metropolitan France or the French overseas departments with regular income
  • Customers happy to borrow at a fixed rate and repay early at no cost
  • Anyone covering a car, home improvement or debt consolidation alongside a home loan

Who should look elsewhere

  • Borrowers who have not held a BoursoBank current account for a minimum period
  • Applicants who cannot pass a hard credit check
  • People who want a variable rate, since every fixed product listed is fixed

The company behind it

BoursoBank is operated by Boursorama SA, based in France and running since 2005. It lends directly rather than through a broker. Support is provided through a help centre, so questions are handled in writing. The brand is also registered as an insurance intermediary with the Organisme pour le Registre des intermediaires en Assurances (ORIAS), number 07 022 916.

How BoursoBank compares

Where BoursoBank is available

Available
France
Licence in France
Organisme pour le Registre des intermediaires en Assurances (ORIAS) (07 022 916), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a BoursoBank personal loan cost?+

The personal loan APR is 4.9% and borrowing runs from €3,000 to €75,000. There is no arrangement fee, with 0 EUR charged, and terms run from 12 to 120. Early repayment is free, so a fixed loan can be settled early without a charge.

What does a BoursoBank home loan cost?+

The initial rate is 3.5% with an APRC of 3.79%, fixed for 20. No product fee applies, with €0 on the home loan, which can be used for a purchase, a remortgage or buy to let.

Who can apply for a loan from BoursoBank?+

Applicants must be adults with a regular income and be resident for tax purposes in metropolitan France or the French overseas departments, with no Banque de France flag against them. You also need a BoursoBank current account held for a minimum period, and you must clear a hard credit check.

Which kinds of loan does BoursoBank offer?+

BoursoBank lends personal, car and debt consolidation as well as home loans, with home improvement listed as a use case. Rates are fixed across the range, so the cost does not move with the market during the term.

Is BoursoBank regulated?+

The brand appears in the French register of insurance intermediaries under the Organisme pour le Registre des intermediaires en Assurances (ORIAS), number 07 022 916. Its lending side is handled by Boursorama SA, a lender based in France.

Can I repay a BoursoBank loan early?+

Early repayment is free on the loans listed, so you can clear personal, car and debt consolidation debt or a home loan sooner without a penalty. That makes rates of 4.9% and 3.5% cheaper for borrowers who expect to overpay.

How do I get help from BoursoBank?+

Support is offered through a help centre, and phone and chat are not among the channels listed. Questions are therefore handled in writing, which suits borrowers who would rather keep a record of the exchange.

What does a representative BoursoBank personal loan look like?+

A worked example is published next to the 4.9% rate, giving the monthly instalments and the full amount repayable over the term, with any insurance cover left out of that figure. Take the optional cover and the real cost sits above the published example.

Sources

  • fr.wikipedia.org/wiki/Boursorama checked September 26, 2026

    Backs: Founded

  • boursobank.com checked September 26, 2026

    Backs: Licences

  • boursobank.com/aide-en-ligne checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Boursorama, SA ... RCS Nanterre 351 058 151 - 44 rue Traversiere, CS 80134, 92772 BOULOGNE BILLANCOURT CEDEX”

  • boursobank.com/credit/credit-immobilier checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

    “Home loan example: 500,000 EUR amortising loan at a fixed rate of 3.50% over 20 years at a fixed TAEG of 3.79% (guarantee fees included)”

  • boursobank.com/credit/pret-personnel checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Prêt personnel - Travaux: Montant minimum 3 000 EUR / Montant maximum 75 000 EUR”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Maximum loan to value.

BoursoBank

BoursoBank

Existing BoursoBank customers in France borrowing for a car, a home project or a home purchase.

9.1/10See alternatives

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