Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs Moneyveo VN
What sets them apart
| Compare |  Cofidis FR |  Moneyveo VN |
|---|---|---|
| APR | 5.43% to 8.54%Lower | 18.25% |
| Loan amount | €500 to €35,000 | ₫500,000 to ₫30,000,000 |
| Term | 12 to 84 months | 62 to 180 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Under 8 days after contract signature (express request) | About 20 minutes on average from application to bank account credit |
| 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 | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Lender type | Direct lender | Marketplace |
| Free early repayment | YesHas it | No |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPL | Personal, Secured, Student, BNPL |
| Arrangement fee | 0 EUR | Not confirmed |
| Eligibility | Not confirmed | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.5.
- Founded is lower at Cofidis FR: 1982 vs 2020.
- Cofidis FR is available in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 18.25%.
- Free early repayment: only Cofidis FR.
- Term is higher at Moneyveo VN: 62 to 180 months vs 12 to 84 months.
- Support channels: only Cofidis FR offers Email, Chat.
- Support channels: only Moneyveo VN offers Community.
- Features: only Cofidis FR offers Credit line.
- Features: only Moneyveo VN offers Same day funding.
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.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | Cofidis FR | Moneyveo VN |
|---|---|---|
| Cost | 9.3Higher | 8.4 |
| Offer | 9.3Fees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 9.5Higher |
| Trust | 9.4Higher | 8.1 |
Choosing between them
Pick Cofidis FR if cost, apr, and free early repayment matter most.
Pick Moneyveo VN if term matter most.
Ranges side by side
| Fact | Cofidis FR | Moneyveo VN |
|---|---|---|
| Term | 12 to 84 months | 62 to 180 months |
Side by side, item by item
| Loan types | Cofidis FR | Moneyveo VN |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | Yes | No |
| Student | No | Yes |
| BNPL | Yes | Yes |
How they place
| Ranking | Cofidis FR | Moneyveo VN |
|---|---|---|
| Personal loans | 298 of 1932 | 133 of 1932 |
| Buy now, pay later | 13 of 88 | 7 of 88 |
Every fact side by side
| Fact | Cofidis FR | Moneyveo VN |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Cofidis | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Belgium | Vietnam |
| Founded | 1982Lower | 2020 |
| Support channels | Phone, Email, Chat, Help centre | Phone, Help centre, Community |
Where each stands against the rest
| Fact | Cofidis FR | Moneyveo VN | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 18.25%above the median | 8.99 |
| Term | 12 to 84 monthsabove the median | 62 to 180 monthshighest quarter | 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
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
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%
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
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
Country by country
| Country | Cofidis FR | Moneyveo VN |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Vietnam | 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%.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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