Updated September 29, 2026 · BorrowCue Editorial Team
Cofidis FR vs Qonto ES
What sets them apart
| Compare |  Cofidis FR |  Qonto ES |
|---|---|---|
| APR | 5.43% to 8.54%Lower | 19.5% |
| Loan amount | €500 to €35,000 | €750 to €1,000,000Higher |
| Term | 12 to 84 monthsHigher | 1 to 12 months |
| Funding time | Under 8 days after contract signature (express request) | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPL | Business, Credit line |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Credit needed | Not confirmed | Good |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.6.
- Qonto ES is available in 28 more countries.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €500 to €35,000.
- Term is higher at Cofidis FR: 12 to 84 months vs 1 to 12 months.
- Loan types: only Cofidis FR offers Personal, Debt consolidation, Car.
- Loan types: only Qonto ES offers Business.
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.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Cofidis FR | Qonto ES |
|---|---|---|
| Cost | 9.3Higher | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 9.0 |
| Trust | 9.4Higher | 8.3 |
From lowest to highest
| Fact | Cofidis FR | Qonto ES |
|---|---|---|
| Loan amount | €500 to €35,000 | €750 to €1,000,000 |
| Term | 12 to 84 months | 1 to 12 months |
How they place
| Ranking | Cofidis FR | Qonto ES |
|---|---|---|
| Lines of credit | 55 of 328 | 6 of 328 |
Every fact side by side
| Fact | Cofidis FR | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Cofidis | QONTO |
| Headquarters | Belgium | France |
| Founded | 1982 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cofidis FR | Qonto ES | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 19.5%highest quarter | 8.99 |
| Loan amount | €500 to €35,000below the median | €750 to €1,000,000highest quarter | €40,000 |
| Term | 12 to 84 monthsabove the median | 1 to 12 monthslowest quarter | 60 |
Median across 1152 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
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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%
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
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
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Cofidis FR | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 30 countries where either is available.
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%.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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