€ 4,000 Maximum loan amount
12 - 42 months Maturity
Interest 22.12%

Quick information

Requesting a loan with Cofidis is very simple. You can request a direct credit from € 500 to € 4000 that you have a time to pay from 12 to 42 months. Just go to the website and use the loan calculator. Cofidis is a Cofidis SA company with registered office at Pl. De la Pau s / n Edif WTC AP1, 08940 Corneliá de Llobregat- Barcelona. If you wish to communicate with the entity, you can do so by calling 900 85 40 40. Customer service hours are Monday through Friday from 9 am to 9 pm and Saturdays from 9 am to 2 pm. If you have any questions, we invite you to enter the "Frequently Asked Questions" section. There you will find the answers to your questions. Enter the "Opinions" section to find out about what Cofidis' clients themselves say about the entity. Before applying for the loan it is necessary that you carry out an analysis of your financial situation. If you consider that you do not have the ability to assume a financial obligation of this type, it is better that you refrain, taking into account that falling into default means higher costs.

  • Apply for a loan from € 500 to € 4000 that you can pay in 12 to 42 months Cofidis is a Cofidis SA company with an office in Barcelona
  • If you need a loan with Cofidis it is very simple. Just go to our website, choose the amount and the term and follow the instructions.
  • One of the great advantages of Cofidis is that there are no study or opening and maintenance commissions
  • You can use the loan with Cofidis for whatever you want without the need to change banks. further
  • Car repairs
  • Machines for domestic use
  • Reductions in study expenses


Specific information

In the calculator you can decide and select the amount you want and the term in which you are going to pay it. The calculator will then tell you the amount of the installments that you must pay and what is the APR and the TIN that you must assume. Once you have completed the previous steps, you just have to click on "Request".

Then they will ask you to fill in some basic personal information such as your name and surname, gender, date of birth and email. It is also important that you accept the data protection clause. Once you fill out the entire form, Cofidis will analyze your request and inform you about the previous result digitally. If your request has been pre-accepted then you can download a pdf that is important for you to complete.

After this you must verify the information, print the contract and sign it, attach the necessary documents and send it by post to the address: Pl de la Pau, s / n, Building 1, World Trade Center Almeda Park, 08940- Cornallá de Llobregat ( Barcelona). They will tell you right away if your application has been approved and they will send you the money in a maximum time that will not be more than 24 hours, if you want.

Cofidis Refund Table

Requested amount Fee Total to pay Duration
€ 500 € 65.96 € 565.96 13 months
€ 1,000 € 435 € 1,435 41 months
€ 4,000 € 527.39 4 527.39 € 13 months

A representative example

Financing offer subject to approval by Cofidis SA Sucursal en España. Amount of the credit line at the opening of 500 to 4,000 euros. Initial repayment period of 12 to 42 months, without study, maintenance, opening or total or partial cancellation fees. Interest rate TIN 22.12% and APR 24.51% fixed (minimum and maximum). For an example of financing for an amount of € 4,000 of 41 installments, with a contract date of January 1, 2019 and a first due date of February 1, 2019, 40 monthly installments of € 140 and a final residual of € 129.30. The total amount owed will be € 5,729.30. TIN: 22.12% APR: 24.51%. The simulator data allows you to choose the term and the desired amount and view the APR and the total amount to pay. The final duration could vary by a month depending on the financing day. The last installment will always be lower than the rest.

FAQ Cofidis

Can I carry out a simulation of the loan before hiring it?

Cofidis knows that it is very practical for the user to carry out a credit simulation before hiring it. This is important because it gives the customer the ability to make a decision with all the information. From the loan calculator you can decide the amount you want and the monthly payments that you are going to pay. For Cofidis, a loan must be a service that adapts to the user.

How long does the response to my request take?

In less than 24 hours after you have finished your application, you will have the possibility to download the loan contract in PDF. Cofidis will provide you with a copy of it by postal mail, to the address you registered in the online form. When Cofidis obtains your request, a representative of the entity will contact you to complete the study of your contract and will provide you with a response related to the information provided. If the request is approved, the money will be sent to the registered bank account in less than 24 hours. If your request is rejected, Cofidis will inform you by post, for privacy reasons.

How do Cofidis lines of credit work?

With Cofidis credit lines you can do everything online, from the comfort of your home, office or any other place with an internet connection. It is possible to extend the credit line, change the amount of the monthly payments and also extend the payment of the installment by one month. You will receive a monthly statement with your credit information, along with other exclusive promotions.



I understand that this quick credit from cofidis is the same as the direct credit. It has gone well for me, but the truth that cofidis tells you that in 24 hours the money will enter you and between you make the request, they analyze it, they give you an answer and others the truth that in 24 hours nothing at all. but hey, I have the money that is important.


I requested a thousand euros, they are already returned and well used. Everything without problems, fast and correct. All good, very good cofidis.


Hello, so far I have not had problems with them. The very kind girls on the phone and they solved any questions I asked for a loan of 4000, but they only granted me 1500, they told me that from here 4.5 months I could ask for the 4000 I do not know what to do with me super fast the process and no problem, there is also I have to say that if you pay there is no problem but of course, as in the banks tmb the tae is quite high. But no complaints with them.

Loan rating

The website is easy to use because it has been created for that purpose. In it you will be able to read and learn about all the financial services that Cofidis offers. Direct credit is just one of the products offered by Cofidis, they also offer a "Project Credit" in which you can decide between different projects such as buying a car, financing your studies, equipping your home, among others. We invite you to enter the section that best suits what you need, to read carefully with all the relevant information and follow the instructions. It is essential that you know all the requirements related to the loan you have applied for.

Roger molinsJerome P Allison ( LinkedIn )
I am a freelance writer and consultant for companies and individuals, with a particular emphasis on fintech, technology, startups and online marketing. More information ...

Loan terms

  • Be of legal age and under 75 years of age
  • With permanent address in Spain
  • Have a bank account
  • Have a fixed monthly income to cover payments
  • Have no previous unpaid debts

Application processing procedure

  • To determine the total amount of the loan
  • Use our virtual calculator - click on Request
  • Fill in the form and send it

Properties of this loan


  • With Cofidis you receive an immediate response regarding your credit application and if it is approved the money will also be transferred to your account instantly
  • If you are interested in a loan or in any of the financial services of Cofidis, just leave your information and the company will call you
  • You can use the money for whatever you need with Cofidis loans, such as an unforeseen event, a vacation, among many other alternatives


  • If you fall into default, Cofidis could apply penalties that would increase the costs of the loan
  • This loan is not for people who cannot justify income or who cannot provide an identification document
  • Loans with Cofidis have some applicable commissions such as discount and exchange rates received, commission fees and expenses, among others


902 30 80 30
Cofidis SA, Cofidis Spain, Plaça de la Pau s / n, 08940 Cornellà de Llobregat, Barcelona, ​​Spain


You can request a direct credit from € 500 to € 4000 that you have a time to pay from 12 to 42 months. Cofidis Rating: 4/5 506 votes.

Documents to download

Last content update: 22. 4. 2020