Updated September 28, 2026 · BorrowCue Editorial Team
Cofidis FR vs Sezzle
What sets them apart
| Compare |  Cofidis FR |  Sezzle |
|---|---|---|
| APR | 5.43% to 8.54%Lower | 45% |
| Loan amount | €500 to €35,000 | from $20 |
| Term | 12 to 84 monthsHigher | 1.5 months |
| Arrangement fee | 0 EUR | $0 to $7.49 finance charge (service fee) charged at loan origination |
| Credit check | Hard | Soft prequal |
| Funding time | Under 8 days after contract signature (express request) | Immediate: Sezzle pays the merchant in full for the order as soon as the order is placed |
| 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 | Pay in 4: $300 loan, $75 down payment today, then 3 payments of $75 every two weeks at 45.0% APR, total payments $307.49 including a $7.49 service fee |
| Loan types | Personal, Credit line, Debt consolidation, Car, BNPLCovers more | BNPL, Personal |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | 18 years or older, US or Canadian resident with a mobile number that receives texts, verifiable email and a non-prepaid debit or credit card |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 8.7.
- Cofidis FR is licensed in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 45%.
- Term is higher at Cofidis FR: 12 to 84 months vs 1.5 months.
- Support channels: only Cofidis FR offers Chat.
- Loan types: only Cofidis FR offers Credit line, 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.
Sezzle
Sezzle turns a shop into a down payment at checkout and the rest in short instalments, which suits shoppers spreading a modest basket over weeks. The trade-off is the 45% APR plus a service fee at order placement, so it works for smaller orders rather than large ones.
Score breakdown
| Area | Cofidis FR | Sezzle |
|---|---|---|
| Cost | 9.3Higher | 8.2APR of 45% plus a service fee at origination sits above cheaper rivals, and the plan clears in 1.5. |
| Offer | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. | 8.5A soft prequal check, a fixed rate, and the merchant paid in full the moment the order is placed. |
| Trust | 9.4Higher | 9.2 |
Where they rank in our lists
| Ranking | Cofidis FR | Sezzle |
|---|---|---|
| Personal loans | 298 of 1932 | 128 of 1932 |
| Buy now, pay later | 13 of 88 | 5 of 88 |
A third option
Sofkredit has term at 6 to 240 months, against 12 to 84 months for Cofidis FR and 1.5 months for Sezzle.
Sofkredit reviewWhat we checked
Cofidis FR
- cofidis.fr: 16 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Sezzle
- investors.sezzle.com: 5 facts, checked September 26, 2026
- legal.sezzle.com: 5 facts, checked September 26, 2026
- shopper-help.sezzle.com: 3 facts, checked September 26, 2026
- sezzle.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Cofidis FR | Sezzle |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Not confirmed |
| Legal entity | Cofidis | Sezzle Inc. |
| Headquarters | Belgium | United States |
| Founded | 1982 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Cofidis FR | Sezzle | Median |
|---|---|---|---|
| APR | 5.43% to 8.54%below the median | 45%highest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 1.5 monthslowest 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
Sezzle
Pros
- The merchant is paid in full as soon as the order is placed, so nothing is held back while you clear instalments.
- Checking is a soft prequal search, a lighter touch on your file than a full credit application.
- Support runs on email, phone and help centre, with both phone and email listed.
Cons
- The 45% APR is steep, while buy now pay later listings on this site sit at 2.1%.
- Support runs on email, phone and help centre only, with live chat absent from the listed channels.
- Eligibility asks for a minimum age, a US or Canadian residence, a mobile number that receives texts, a verifiable email and a non-prepaid card, which narrows who can apply.
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%
Sezzle
Who it suits
- Shoppers splitting a modest basket who prefer to keep the whole order off a card.
- People who need the order funded straight away, since the merchant is paid in full as soon as the order is placed.
- US or Canadian residents with a verifiable email and a non-prepaid card who meet the minimum age.
Who should look elsewhere
- Shoppers after a cheaper personal loan: Monzo Flex lists 10% to 23% against 45% at Sezzle.
- Borrowers who want a longer repayment window, since the 1.5 schedule finishes far sooner than a personal loan term.
- Anyone wanting an interest-free alternative: Cashspace ES lists 0%.
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
Sezzle
Current offer
Bonus
Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend
entries made in the Sezzle app; eligibility criteria apply
Source, checked September 26, 2026
Country by country
| Country | Cofidis FR | Sezzle |
|---|---|---|
| Belgium | Yes | No |
| Canada | No | Yes |
| France | Yes | No |
| United States | 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%.
Sezzle
What does a Sezzle plan cost?+
A service fee is charged when the plan is created, on top of the 45% APR. The worked example pairs a down payment at checkout with the balance repaid in equal instalments, and the service fee is added to the total. Budget for the instalments and the fee together.
How does that APR compare with other lenders here?+
Sezzle charges 45% APR on fixed terms. Personal loan listings on this site sit at 12%, so a short instalment plan here costs well above a typical personal loan rate. The rate is fixed, so the instalment amount holds for the life of the plan.