Vousfinancer
Vousfinancer is the third-largest French credit brokerage franchise network, connecting individual borrowers with 92 banking partners via 150+ agencies and 450 advisors for mortgages, debt consolidation, professional credit, consumer credit, renovation loans, and loan insurance.
- Company typePrivate
- Founded2005
- HeadquartersSaint-martin-le-vinoux, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Vousfinancer does
Vousfinancer is a French credit brokerage franchise network that intermediates between individual borrowers and a panel of 92 banking and insurance partners for mortgage origination, debt consolidation, professional credit, consumer credit, renovation financing, and loan insurance ("assurance de prêt"). Founded in 2005 in Grenoble as "Réponse financement" (subsequently Vousfinancer.com, then Vousfinancer from September 2016), the company has grown to operate approximately 150 agencies staffed by 450 advisors across France, placing it as the country's third-largest national credit brokerage network. Customers include individual homebuyers, debt-consolidation seekers, self-employed professionals, and loan-insurance shoppers. Brand credibility is anchored by a 94% self-reported customer satisfaction rate across nearly 15,000 verified reviews (Google and Immodvisor/AFNOR) and five consecutive "Meilleure Enseigne de courtage en crédit" wins from Capital magazine (2022-2026).
The technology stack combines a broker-facing intermediary platform connecting to 92 partner banks, a public website and customer portal used for application tracking, more than ten credit simulators for project estimation, and iOS/Android mobile applications providing live rate display, agency locator, appointment booking, and document submission. The proprietary features in evidence (simulators, rate indicators, client portals) are functional rather than AI-enabled — they digitize and accelerate a fundamentally advisory, relationship-driven process. Distribution occurs via the franchise agency network (bottom-of-funnel, face-to-face advisory), the digital self-serve layers (top/mid-funnel), and an extensive earned-media footprint (over 1,500 press appearances and recurring TV appearances) that supplies top-of-funnel awareness.
Revenue is generated on a transaction-fee basis: brokerage commissions from banking partners on originated loans and from insurance partners on assurance de prêt policies, with the franchise model also capturing royalty and fee income from the 150+ independent agencies. Ownership has rested with ASSU2000 (part of the VILAVI conglomerate) since June 2017, with Julie Bachet serving as Directrice générale since 2020 and as President of APIC from May 2026. Operating footprint is domestic to France.
Vousfinancer firmographics
Firmographics- Name
- Vousfinancer
- Legal name
- Vousfinancer
- Website
- https://vousfinancer.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Vousfinancer is the third-largest French credit brokerage franchise network, connecting individual borrowers with 92 banking partners via 150+ agencies and 450 advisors for mortgages, debt consolidation, professional credit, consumer credit, renovation loans, and loan insurance.
- Ownership category
- akta.pro rank
Vousfinancer industry classification
Industry- Product category
- Credit Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industry
- Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where Vousfinancer is headquartered
LocationHeadquarters
- HQ city
- Saint-martin-le-vinoux
- HQ country
- France
- HQ region
- Europe
Offices4 records
Markets served
Vousfinancer business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Brokerage Commissions: Vousfinancer earns commissions from banking partners for directing clients to their credit products. As an intermediary between clients and banks, the company receives referral fees or commissions based on the loans originated.
- Insurance Brokerage: Revenue from insurance brokerage services, particularly insurance pret (loan insurance) products, through partnerships with insurance providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Interest rates displayed as averages - 3.30% (15 years), 3.50% (20 years), 3.60% (25 years) for the period May-June 2026 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Vousfinancer product offering
Product offeringCore offering
Vousfinancer operates a franchise network of credit brokerage agencies that intermediates between individual borrowers and 92 partner banks to secure real estate loans, debt consolidation, professional credit, consumer credit, renovation loans, and loan insurance. Advisors compare offers across banking partners to negotiate competitive rates for clients, supported by online simulators, a mobile application, and a client portal for application tracking.
Product overview
Vousfinancer is a multi-product credit brokerage platform operating as a network of approximately 150 agencies with 450 advisors across France. The core offering consists of six main financial products: Credit Immobilier (real estate mortgages), Rachat de Credits (debt consolidation), Credit Pro (professional/business loans), Assurance de Pret (loan insurance), Credit Conso (consumer loans), and Credit Travaux (renovation loans). These products are distributed through physical agency locations, an online platform, and a mobile application. The company differentiates itself through access to 92 banking partners, enabling advisors to negotiate competitive rates for clients, with current displayed rates starting from 3.30% over 15 years. Additional digital services include online credit simulators and educational content to support clients throughout their financing journey.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit Immobilier (Mortgage Brokerage) Mortgage brokerage service helping French individuals and couples secure real estate financing by comparing offers from 92 partner banks, negotiating preferential rates, and managing the application process from submission to fund disbursement.
- Rachat de Crédits (Debt Consolidation) Debt consolidation brokerage service allowing clients to regroup multiple existing loans into a single, more manageable payment with potentially reduced monthly costs.
- Crédit Pro (Professional Loans) Professional credit brokerage service designed for business owners, self-employed professionals, artisans, merchants, and liberal professions to finance business activities.
- Assurance de Prêt (Loan Insurance) Loan insurance brokerage service that helps clients find the best insurance coverage (assurance de prêt) for their mortgage or professional loans, in compliance with French insurance regulations.
- Crédit Consommation (Consumer Loans) Consumer credit brokerage service for financing personal projects such as vehicle purchases, vacations, or other non-professional expenses.
- Crédit Travaux (Renovation Loans) Renovation and home improvement loan brokerage service to finance renovation projects, energy-efficient upgrades, or other home improvement work.
- Application Mobile Vousfinancer (Mobile Application) Mobile application available on iOS and Android that allows clients to view current interest rates, use credit simulators, access practical guides, locate nearby agencies, schedule appointments, send documents, and track their loan application progress.
- Simulateurs de Crédit en ligne (Online Credit Simulators) Suite of more than ten online credit simulators allowing clients to estimate their mortgage or loan consolidation projects with rapid, simple access.
Quantifiable outcome
- 94% of clients are satisfied with the services provided
- +2 more outcomes
Companies that use Vousfinancer
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Vousfinancer technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Vousfinancer partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered minor and core.
- BCF ConsultingminorExclusive partnership with BCF Consulting to simplify financing for co-ownership renovation work. Offers collective or individual loans to clients. BCF Consulting is referenced by ANAH and FNAIM.
- CGP EntrepreneursminorPartnership with CGP Entrepreneurs, a group of wealth management advisors (CGP) part of the UFF group subsidiary for liberal CGPs. Group celebrating 10 years of existence and leader in wealth management market.
- Cimm ImmobilierminorPartnership with Cimm Immobilier network, created in 1979 by Jean Claude Miribel, with nearly 80 points of sale across France. Quality-focused, human-sized network.
- Club Elite Patrimoine PriveminorPartnership with Club Élite Patrimoine Privé grouping 50 partner wealth management advisor firms (CGP), recognized for their expertise in wealth management and personalized strategies.
- Greenbull CampusminorPartnership with Greenbull Campus, a training organization helping thousands of French people with life projects: entrepreneurship, real estate investment, and financial investments.
- GridkyminorPartnership with Gridky, a new real estate platform offering over 40,000 lots, enabling Vousfinancer to propose new real estate properties to clients.
- GroupamaminorPartnership with Groupama Méditerranée, one of Groupama's 11 regional savings banks, covering 26 wealth managers across 13 departments from Perpignan to Nice.
- HeerominorPartnership with Heero for helping clients recover renovation aid. Together they calculate the exact amount of subsidies clients could benefit from for renovation work.
- HemeaminorPartnership with Hemea, a work broker. Hemea accompanies clients from A to Z for renovation work: design, selection of architects/construction companies from hundreds of partners, and site monitoring.
- HexaomminorPartnership with Hexaom, a centenary family company and leader in individual house construction in France (formerly Maisons France Confort). Known and recognized expertise in housing.
- Illico TravauxminorPartnership with Illico Travaux, a work broker since the 2000s, accompanying clients in renovation and extension work with quality guarantees. Subsidiary of Hexaom group.
- l'AdresseminorPartnership with l'Adresse network having over 350 real estate agencies and 1,500 collaborators across France. Places clients at the heart of their concerns and accompanies them throughout their real estate life.
- Look&FinminorPartnership with Look&Fin, a European Crowdlending platform leader in Benelux (ECSP licensed). Enables real estate professionals seeking financing to raise funds directly from investors up to 5 million euros.
- ProcivisminorPartnership with Procivis, a major housing player in France present everywhere through different brands. Unique cooperative model with profits invested in social missions, aid for modest households, and environmental commitment.
- Reme FinanceminorPartnership with Réméfinance, which helps clients monetize their real estate assets to help resolve tax problems, debts, complex successions, or divorces. 35 years of experience in finance and real estate.
- SezameminorSezame is the pioneer of real estate leasing in France. For clients who cannot access property immediately (e.g., lack of track record as self-employed), Sezame can enable them to become owners within 36 months through lease with option to purchase.
- 92 Banking PartnerscoreVousfinancer works with 92 banking partners including national, regional, and specialized banks to provide clients with access to the widest possible range of financial offers. This constitutes the core of the brokerage value proposition.
- Altarea CogedimminorPartnership announced in January 2018 enabling Altarea Cogedim to offer its acquirers or investors the ability to finance their real estate projects under the best possible conditions.
Scale indicators8 records
Recent moves8 records
Expansion highlights5 records
Vousfinancer competitors and assessment
Company assessmentDirect peers
- Meilleurtaux: France's largest mortgage and consumer credit brokerage, operating a hybrid physical-and-digital network. Direct competitor on the same product set (mortgage, debt consolidation, insurance) and customer segments (French individual borrowers).
- Cafpi: One of France's largest credit brokerage networks with broad physical and digital distribution. Directly comparable business model (multi-product credit intermediation, bank partnership approach, individual-borrower focus) and the most relevant French competitor for agency-network scale.
- Pretto: French online-first mortgage broker offering direct-to-consumer mortgage intermediation without physical agencies. Represents the digital-native counterweight to Vousfinancer's agency-heavy model and competes for the same mortgage borrowers.
- Younited Credit: European-licensed consumer-credit platform offering personal loans, credit consolidation, and adjacent products to French consumers. Comparable in target customer and credit-consolidation product mix, but operates a direct-lending rather than brokerage model.
- Artémis Courtage: French credit brokerage operating across mortgage, debt consolidation, and professional credit. Directly comparable product portfolio and intermediary business model serving individual borrowers in France.
- Magnolia: French online mortgage and credit broker with a digital-first approach targeting individual borrowers. Competes for the same primary product (mortgage brokerage) with a digital cost structure versus Vousfinancer's agency network.
- Hello Prêt: French online mortgage broker intermediating between individual borrowers and partner banks. Directly comparable on mortgage brokerage product and target borrower, with a digital-only distribution model that competes for Vousfinancer's online traffic.
Broad incumbents
- Boursorama Banque: Leading French online bank (Société Générale subsidiary) offering direct mortgage origination, consumer credit, and insurance products. Represents the disintermediation threat as a bank with direct client relationships in the same credit market.
- Cofidis: Major French consumer-credit and credit-consolidation provider (Crédit Mutuel group), offering direct consumer loans, debt consolidation, and partner services. Comparable on consumer credit and rachat de crédits products but operates as a direct lender.
- Crédit Mutuel Arkéa: French banking group (parent of Crédit Mutuel de Bretagne, Crédit Mutuel du Sud-Ouest) offering direct mortgage, consumer credit, and insurance products. Comparable as a major French credit and insurance provider competing for the same borrowers that Vousfinancer brokers to.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Vousfinancer social profiles
Digital presenceVousfinancer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vousfinancer leadership team
Management profileNumber of profiles
Profiles1 record
Vousfinancer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vousfinancer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vousfinancer
What does Vousfinancer do?
Vousfinancer operates a franchise network of credit brokerage agencies that intermediates between individual borrowers and 92 partner banks to secure real estate loans, debt consolidation, professional credit, consumer credit, renovation loans, and loan insurance. Advisors compare offers across banking partners to negotiate competitive rates for clients, supported by online simulators, a mobile application, and a client portal for application tracking.
Is Vousfinancer a public or private company?
Vousfinancer is a private company. It is classified as corporate owned and is currently operating.
When was Vousfinancer founded?
Vousfinancer was founded in 2005. It employs 11 to 50 people.
Where is Vousfinancer based?
Vousfinancer is headquartered in Saint-martin-le-vinoux, France, in the Europe region.
How does Vousfinancer make money?
Two revenue lines are on record. Brokerage Commissions are the primary driver. The others are insurance Brokerage.
Who are Vousfinancer's main competitors?
Direct peers on record are Meilleurtaux, Cafpi, Pretto, Younited Credit, Artémis Courtage, Magnolia and Hello Prêt. Broad incumbents are Boursorama Banque, Cofidis and Crédit Mutuel Arkéa.
Does Vousfinancer have an API?
No public API is recorded for Vousfinancer.
What industry is Vousfinancer in?
Vousfinancer's product category is Credit Brokerage Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans. Its NAICS code is 52231 and its SIC code is 6163.