Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs KOHO
Where Cofidis FR and KOHO differ
| Compare |  Cofidis FR |  KOHO |
|---|---|---|
| APR | 5.43% to 8.54%Lower | 19.9% to 34.9% |
| Loan amount | €500 to €35,000 | CA$1,000 to CA$15,000 |
| Credit check | Hard | Soft prequal |
| Funding time | Under 8 days after contract signature (express request) | Funds deposited into your bank account the same business day |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPLCovers more | Personal, Credit line, BNPL |
| Term | 12 to 84 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Representative example | 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income |
Same on both: Use cases (Home improvement).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.6.
- Cofidis FR is available in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 19.9% to 34.9%.
- Support channels: only Cofidis FR offers Email.
- Features: only KOHO offers Same day funding.
- Loan types: only Cofidis FR offers Debt consolidation, Car.
Our verdict on each
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.
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
Score breakdown
| Area | Cofidis FR | KOHO |
|---|---|---|
| Cost | 9.3Higher | 8.5 |
| Offer | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 9.2A soft prequal check, a credit line and Funds deposited into your bank account the same business day. |
| Trust | 9.4Higher | 8.3 |
Feature by feature
| Loan types | Cofidis FR | KOHO |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Car | Yes | No |
| BNPL | Yes | Yes |
| Use cases | Cofidis FR | KOHO |
|---|---|---|
| Home improvement | Yes | Yes |
Ranges side by side
| Fact | Cofidis FR | KOHO |
|---|---|---|
| APR | 5.43% to 8.54% | 19.9% to 34.9% |
How they place
| Ranking | Cofidis FR | KOHO |
|---|---|---|
| Personal loans | 298 of 1932 | 132 of 1932 |
| Lines of credit | 55 of 328 | 28 of 328 |
| Home improvement loans | 98 of 562 | 61 of 562 |
| Buy now, pay later | 13 of 88 | 6 of 88 |
A third option
Prestamiau ES has apr at 0% to 36%, against 5.43% to 8.54% for Cofidis FR and 19.9% to 34.9% for KOHO.
Prestamiau ES reviewEvery fact side by side
| Fact | Cofidis FR | KOHO |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Cofidis | KOHO Financial Inc. |
| Headquarters | Belgium | Canada |
| Founded | 1982 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Cofidis FR | KOHO | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 19.9% to 34.9%highest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | Not confirmed | 60 |
Median across 1005 listed lenders.
Pros and cons
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
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
Who each suits
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%
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
Current offers
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
KOHO
Current offer
Country by country
| Country | Cofidis FR | KOHO |
|---|---|---|
| Belgium | Yes | No |
| Canada | No | Yes |
| France | Yes | No |
Questions about each
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%.
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.