Monabanq review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Monabanq suits existing customers in France who want a straightforward fixed rate personal loan with no arrangement fee. Its rate of 7.25% sits below the site median of 12%, and the borrower pays 0 EUR (no arrangement fee) in fees. Accounts must be open a while before borrowing.

Key facts

Best for
Existing Monabanq customers in France funding home improvements on a fixed rate.
APR
7.25% (Source, checked September 26, 2026)
Loan amount
€3,000 to €30,000 (Source, checked September 26, 2026)
Term
12 to 72 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no arrangement fee) (Source, checked September 26, 2026)
Funding time
From the 8th day after signing the credit contract (express funding), otherwise after the 14-day withdrawal period (Source, checked September 26, 2026)
Representative example
Personal loan of 10 500 EUR: 59 payments of 208,01 EUR plus a final 207,81 EUR, total due 12 480,40 EUR, fixed TAEG 7,25%, fixed nominal rate 7,02%, 60 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Personal loan open to Monabanq customers more than 2 months after account opening; referred customers and clients must be adults residing in France (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Monabanq, societe anonyme a Conseil d'administration (RCS Lille Metropole 341 792 448) (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2006 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
monabanq.com

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Monabanq, societe anonyme a Conseil d'administration (RCS Lille Metropole 341 792 448) (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2006 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXTrustpilot

Pros and cons

Pros

  • No arrangement fee: 0 EUR (no arrangement fee) on the personal loan.
  • Fixed rate of 7.25%, below the site median of 12%.
  • Borrow €3,000 to €30,000 over 12 to 72 for home improvement, the listed use case.
  • Help is available on phone, chat and email.

Cons

  • Access is tied to holding an account, since the loan is open to customers past a waiting period after account opening.
  • The smallest loan is €3,000 to €30,000, so smaller sums fall outside the range.
  • Borrowing sits at 186 of 685 brands on loan amount, so the ceiling is modest for larger projects.
Monabanq

Ready to try Monabanq?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults residing in France who already bank with Monabanq.
  • Home improvement projects that fit €3,000 to €30,000 repaid over 12 to 72.
  • Borrowers who want a fixed rate rather than a variable one.

Who should look elsewhere

  • People without a Monabanq account, since the loan is reserved for customers past a waiting period after account opening.
  • Anyone needing sums outside €3,000 to €30,000, since the range has a clear floor and ceiling.
  • Borrowers seeking a variable rate, as fixed rate applies to this product.

Where it sits among rivals

On APR, Monabanq ranks 118 of 350 brands, and its fixed rate of 7.25% sits under the site median of 12%. On loan amount it ranks 186 of 685, with €3,000 to €30,000 borrowed over 12 to 72. The 0 EUR (no arrangement fee) arrangement fee keeps entry cost low.

Who runs it

Monabanq is a societe anonyme a Conseil d'administration, registered in France and founded in 2006. It appears on the ORIAS insurance intermediary register as 07 028 164. Customers reach the bank on phone, chat and email, so phone, chat, email and a help centre are listed.

How Monabanq compares

Where Monabanq is available

Available
France
Licence in France
Autorite de controle prudentiel et de resolution (ACPR), checked September 26, 2026
Licence in France
Banque de France (list of payment service providers), checked September 26, 2026
Licence in France
ORIAS (insurance intermediary register) (07 028 164), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Monabanq?+

Personal loans run from €3,000 to €30,000, with terms of 12 to 72. Home improvement is the listed use case, so the product suits renovation and similar spending rather than small everyday purchases. The rate stays fixed across the term under fixed rate.

What rate does Monabanq charge and what will I repay in total?+

The representative example shows a personal loan repaid over a longer period at a fixed annual rate of 7.25%, with the final payment slightly different from the monthly ones. That rate is below the site median of 12%, which sits well above 7.25%.

Are there any fees for taking out a Monabanq loan?+

The arrangement fee is 0 EUR (no arrangement fee), so the personal loan carries no setup charge. The representative example also includes a fixed nominal rate alongside the annual rate of 7.25%, and totals the amount repaid across the full term.

Who is eligible for a Monabanq personal loan?+

The loan is open to Monabanq customers after a waiting period that follows account opening, and referred customers and clients must be adults residing in France. Borrowers also need to fall inside €3,000 to €30,000, so an existing account held for a while matters more than a quick application.

How long does it take to get the money?+

Funding can start soon after the credit contract is signed if express funding is chosen, and otherwise the money arrives after the withdrawal period. Both routes run through a waiting period, so the fixed rate of 7.25% is set before the money moves rather than after.

Who regulates Monabanq?+

Monabanq is supervised in France, appearing in the Banque de France list of payment service providers and registered with the Autorite de controle prudentiel et de resolution. It is also listed on the ORIAS insurance intermediary register under 07 028 164.

Can I contact Monabanq if something goes wrong?+

Support runs across phone, chat and email, so phone, chat, email and a help centre are all listed for both the loan and the underlying account. As a direct lender rather than a broker under direct lender, questions about the rate of 7.25% or the repayment schedule go to the same team.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Monabanq

Monabanq

Existing Monabanq customers in France funding home improvements on a fixed rate.

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings