Offer your customers Fidexico financing solutions and grow your revenue thanks to our partner distribution network.
Point-of-sale financing is today an essential growth lever for professionals in all sectors. By offering a consumer credit solution directly to your customers, you reduce the barrier to purchase, increase your average basket and build customer loyalty. Partnership with Fidexico gives you access to the expertise of one of the market leaders, backed by the power of the Crédit Agricole Group, and to a range of financing solutions suited to all types of purchase.
Our partner programme is based on an intuitive digital platform that lets you submit credit applications in a few clicks, obtain an instant provisional answer and track the progress of files in real time. The subscription journey is entirely paperless, from simulation to electronic signature of the contract, ensuring an optimal experience for your customers and maximum efficiency for your teams. No handling of paper documents is required.
Fidexico supports its partners over the long term through dedicated support, regular training and exclusive marketing tools. Whether point-of-sale communication materials, e-learning training for your staff or a personal account manager, we do everything to make financing a real competitive advantage for your business. Our network now has more than 15,000 active partners across Europe, from major national brands to independent craftspeople.
By offering a financing solution at the moment of purchase, you allow your customers to carry out projects they would have postponed for lack of available cash. Sector studies show that integrating a credit offer at the point of sale can increase the average basket by 30 to 50%, depending on the sector. This conversion lever is particularly effective for capital goods, cars, home improvement and high-end appliances.
Our partner platform delivers a provisional answer in real time thanks to high-performance scoring algorithms. The customer no longer has to wait several days to know whether their financing is granted: the answer is immediate, which allows the sale to be closed in the same session. If approved, the funds are released within 24 to 48 hours after final validation of the file and signature of the contract.
From entering the application to electronically signing the credit agreement, the entire process is digitised. Your customers sign their contract from their smartphone, tablet or computer using a qualified electronic signature solution compliant with the eIDAS regulation. No more paper documents to print, scan or keep: everything is securely archived on our platform and accessible at any time.
Each new partner benefits from a complete onboarding programme: initial training on our products and platform, provision of educational tools and communication materials. A personal account manager is assigned to each partner to answer their questions, support them in upskilling their teams and optimise commercial performance. Continuous training webinars are held regularly.
As a Fidexico partner, you benefit from the secure regulatory framework of a credit institution approved by the Banco de Portugal. All legal obligations relating to credit granting (FIPEN pre-contractual information, solvency check, borrower insurance) are handled by Fidexico. You do not have to manage the complex regulatory constraints of consumer credit: we take care of it entirely.
Our partner offer covers all your customers' financing needs: allocated credit for the purchase of a specific good or service, personal loan for non-allocated projects, revolving credit for recurring purchases, and home improvement financing with the option to integrate state aid. Whatever your activity (retail, crafts, automotive, travel, health, etc.), we have a suitable solution.
Dealerships, car traders, used vehicle sales, motorcycles and scooters, caravans and motorhomes. Fidexico offers financing solutions specifically designed for the automotive sector, with terms of up to 84 months and balloon credit offers suited to high-end vehicles.
Building companies, RGE-certified craftspeople (Recognised Environmental Guarantors), kitchen fitters, pool builders, installers of solar panels and heat pumps. Our home improvement financing solutions allow your customers to benefit from terms of up to 120 months for energy renovation projects.
Specialist superstores, independent retail, e-commerce, distance selling. Our APIs allow direct integration into your online purchase funnel to offer financing seamlessly at the payment stage, without interrupting the customer experience.
Simulate your project in a few clicks — simple and commitment-free!
Enter the amount needed for your project:
Please enter an amount between €3,000 and €75,000
Simulate your project in a few clicks — simple and commitment-free!
Set your preferences to repay your loan.
Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
Your personalised simulation
— Our loan proposal is adjustable —
(1) Excluding optional insurance. Indicative simulation. Subject to acceptance. Indicative fixed APR. Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
The optional monthly insurance premium is 0.70% of the outstanding balance. The first premium is the highest. Check your eligibility.