Créatis

Créatis is a French credit institution focused on consumer finance, best known for debt consolidation (rachat de crédits) and personal loans delivered remotely via web, phone, and a broker network, without a retail branch footprint. It operates within the Cofidis Participations group and is supervised in France by the ACPR; standard sector rules apply, including APR disclosure (TAEG), usury caps, affordability checks, and the right to early repayment with indemnities limited by law for consumer loans. The offer typically covers consolidation of multiple liabilities into a single fixed-rate loan, with or without collateral depending on the amount and borrower profile, as well as earmarked personal loans (e.g., vehicle or home improvement). Applications are initiated online with identity, income, and banking documentation; creditworthiness is assessed using bank statements, debt-to-income metrics, and mandatory consultations of national credit incident registers, and a decision is communicated after underwriting, with funds generally sent directly to creditors in the case of consolidation. Optional borrower insurance is available and can be substituted with equivalent cover as permitted by French law; fees and commissions, when applicable, are included in the APR. Repayments are usually collected by SEPA direct debit, and electronic signature and a secure client area are provided for follow-up. Pricing depends on amount, term, and risk, and longer maturities reduce monthly instalments but increase total cost of credit. Customer service is handled remotely and a formal complaints process with access to mediation is in place. If the institution holds eligible deposits, coverage would fall under the French deposit guarantee scheme (FGDR) up to the statutory limit.