Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs Sambla
Cofidis FR vs Sambla: the differences
| Compare |  Cofidis FR |  Sambla |
|---|---|---|
| APR | 5.43% to 8.54%Lower | 7.92% to 13.24% |
| Loan amount | €500 to €35,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 0 EUR | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Under 8 days after contract signature (express request) | Usually 1-3 days from signing to payout |
| 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 | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPL | Personal, Debt consolidation, Car, Secured |
| Term | 12 to 84 months | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.9.
- Founded is lower at Cofidis FR: 1982 vs 2014.
- Cofidis FR is licensed in 1 more country.
- Cofidis FR is available in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 7.92% to 13.24%.
- Loan types: only Cofidis FR offers Credit line, BNPL.
- Loan types: only Sambla offers Secured.
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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | Cofidis FR | Sambla |
|---|---|---|
| Cost | 9.3Higher | 9.1 |
| Offer | 9.3Fees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 9.4Higher | 8.4 |
Positions in our rankings
| Ranking | Cofidis FR | Sambla |
|---|---|---|
| Personal loans | 315 of 1920 | 844 of 1920 |
| Debt consolidation loans | 85 of 425 | 291 of 425 |
| Car loans | 71 of 432 | 268 of 432 |
| Home improvement loans | 102 of 562 | 381 of 562 |
From lowest to highest
| Fact | Cofidis FR | Sambla |
|---|---|---|
| APR | 5.43% to 8.54% | 7.92% to 13.24% |
Every fact side by side
| Fact | Cofidis FR | Sambla |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Cofidis | Sambla Group AB |
| Headquarters | Belgium | Sweden |
| Founded | 1982Lower | 2014 |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Help centre, Chat |
Where each stands against the rest
| Fact | Cofidis FR | Sambla | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 7.92% to 13.24%below the median | 8.99 |
| Term | 12 to 84 monthsabove the median | Not confirmed | 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
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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%
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
Current offers
Cofidis FR
Current offer
Bonus
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Offer valid for a limited period, subject to Monabanq partner conditions
Source, checked September 26, 2026
Country by country
| Country | Cofidis FR | Sambla |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Sweden | 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%.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
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