In a few years, Boursorama Banque will have (almost) reached the traditional banking institutions. The online banking, which boasts 3.7 million customers, relies on a full range of banking products similar to that of a network bank.
Among the key products, there are of course credits. The subsidiary of the Société Générale group offers home equity loans And consumer credit. The latter allows you to borrow between 2,000 and 75,000 euros depending on the project, with repayment over a period of 12 to 120 months.
If you are a customer of the structure and you want to take out a personal loan, you have two options: the Standard course and the Lightning course. The latter has the particularity of giving you an immediate and definitive answer to a credit request. The Standard course will only give you an immediate answer in principle and final acceptance will take place between 3 and 5 days later.
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Whatever the chosen course is, the procedure takes place online and guarantees the release of funds within 7 days of obtaining the final answer. Also, the bank doesn’t necessarily ask you to house your income in order to be eligible.
Why choose the Flash course?
In a study conducted by Meilleurtaux and published in early 2022, Boursorama Banque classified cheapest bank on personal loans in 2021. This award adds to the title of “the cheapest bank in France” which the bank won for the 14th consecutive year in 2021.
Specifically, what is the difference between the Flash course and the Standard course? The Flash course, with immediate and firm response, is accessible if your income has been domiciled for at least 3 months at Boursorama Banque, or if you authorize the bank to connect to impts.gouv.fr to collect and analyze your income and expenses on the latest tax notice. This procedure is safe.
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If you do not wish to allow online banking to access this information, you will need to opt for the Standard path. The latter will be slower and you will have to send a certain number of elements in PDF to a studio manager who will decide (or not) to grant you consumer credit.
If you need credits fast, please note that this course is slower – it takes 3 to 5 days for a definitive answer. At the bank Hello! o Monabanq, only the answer in principle is immediate. Boursorama Banque is an exception among online banks with its Flash course.
In any case, it is important to remember that a credit commits you and must be repaid. You will need to check your repayment capabilities before committing to any loan.
A unique user experience
Whatever the product, Boursorama Banque offers one of the best user experiences in the banking industry. D-Rating also voted it the best digital bank in Europe in 2021. Online banking is based on intuitive interfaces that allow everyone to manage their banking products independently.
To meet all French, it offers the widest range of banking products among online banks. In addition to loans, there are several savings books, investments (stock market, life insurance), insurance, a checking account and a whole host of bank cards. Among them, the Ultim card is the most popular.
Conditions: No income conditions – Welcome and Ultim cards
Annual fee: € 0 • Initial deposit: € 300
Check deposit: ✔ • Cash deposit: ✘
Monthly cost of the card: 0 €
Euro zone withdrawals: free • Euro zone payments: free
Withdrawals in foreign currencies: 1.69% • Payments in foreign currencies: free