Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs Kredivo
Cofidis FR vs Kredivo: the differences
| Compare |  Cofidis FR |  Kredivo |
|---|---|---|
| APR | 5.43% to 8.54% | 0% to 41.51%Lower |
| Loan amount | €500 to €35,000 | IDR 1,000,000 to IDR 50,000,000 |
| Term | 12 to 84 monthsHigher | 1 to 24 months |
| Arrangement fee | 0 EUR | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Funding time | Under 8 days after contract signature (express request) | Application in 5 minutes, account decision within 1x24 hours |
| 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 | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPLCovers more | BNPL, Personal, Credit line |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Cofidis FR is licensed in 1 more country.
- Cofidis FR is available in 1 more country.
- APR is lower at Kredivo: 0% to 41.51% vs 5.43% to 8.54%.
- Term is higher at Cofidis FR: 12 to 84 months vs 1 to 24 months.
- Features: only Kredivo 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.
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Score breakdown
| Area | Cofidis FR | Kredivo |
|---|---|---|
| Cost | 9.3 | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 8.7 |
| Trust | 9.4Higher | 9.2 |
Ranges side by side
| Fact | Cofidis FR | Kredivo |
|---|---|---|
| APR | 5.43% to 8.54% | 0% to 41.51% |
| Term | 12 to 84 months | 1 to 24 months |
Where each is licensed and available
| Country | Cofidis FR | Kredivo |
|---|---|---|
| Belgium | BE_NBB PSD_PI BE_NBB!0400359283 | Not confirmed |
| France | Not confirmed | |
| Indonesia | Not confirmed |
Additional countries for Cofidis FR: 2. Additional countries for Kredivo: 1.
What each covers
| Loan types | Cofidis FR | Kredivo |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Car | Yes | No |
| BNPL | Yes | Yes |
What we checked
Cofidis FR
- cofidis.fr: 16 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
How they place
| Ranking | Cofidis FR | Kredivo |
|---|---|---|
| Personal loans | 298 of 1932 | 84 of 1932 |
| Lines of credit | 55 of 328 | 12 of 328 |
| Buy now, pay later | 13 of 88 | 4 of 88 |
Every fact side by side
| Fact | Cofidis FR | Kredivo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Cofidis | PT Kredivo Finance Indonesia |
| Headquarters | Belgium | Indonesia |
| Founded | 1982 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Cofidis FR | Kredivo | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 0% to 41.51%lowest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 1 to 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
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%
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
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
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Country by country
| Country | Cofidis FR | Kredivo |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Indonesia | No | Yes |
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%.
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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