Credigo loan app

What Credigo loan app does

Crédigo (legal entity CREDIGO SARL) is a French IOBSP credit broker founded in 1998 and headquartered in Glisy, near Amiens. The company mediates between individual and professional borrowers seeking credit in France and a network of more than ten partner banks, with its core offering being rachat de crédits (loan consolidation) — the regrouping of multiple consumer, real estate, and revolving credits into a single amortized loan with one fixed-rate monthly payment. Around this anchor product, Crédigo distributes consumer credit (personal loans, revolving credit, mini-credit, auto, home improvement), mortgage loans, hedged cash loans secured by property (prêt de trésorerie hypothécaire), professional credit, and specialized property-related solutions including viager, réméré, portage immobilier, bridge loans, and buyout of co-owner shares. Borrower insurance is distributed under the Assurgo by Crédigo sub-brand. Customers are French retail borrowers — tenants, homeowners, civil servants, retirees, and small-business owners — served through an inside-sales motion: online simulation forms intake, followed by phone-based advisory during business hours (Mon–Fri 8:30–19:00), with application status managed through a secure client portal (Espace Client).

The underlying platform is an online credit simulation tool with a secure client portal for dossier tracking and document exchange; no proprietary AI, automated underwriting engine, or differentiated technology stack is disclosed. Crédigo complies with French IOBSP regulation (ORIAS N°11059119, ACPR oversight) and the MURCEF law, which prohibits charging borrower fees before funded disbursement. The company also operates e-PRÉMIO, a B2B white-label platform through which third-party IOBSP brokers and business introducers access Crédigo's bank mandates for simulation, dossier submission, and real-time tracking.

Revenue is generated exclusively on a commission basis: Crédigo receives 3% to 8% of the financed amount from partner banks, paid only upon successful fund release. There is no disclosed revenue figure, no external funding, and the company is privately held by its gérant (C. Descamps) with €400,000 of registered capital and a 1–10 employee headcount. Geographic footprint is restricted to metropolitan France (and DOM-TOM via e-PRÉMIO partners).

Name

Credigo loan app

Legal name

CREDIGO SARL

Website

https://credigo.fr

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Crédigo is a French IOBSP credit broker founded in 1998 that consolidates consumer, mortgage, and revolving credits into a single loan for French retail borrowers via a network of 10+ partner banks, earning 3–8% commissions on disbursed credit.

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)

akta.pro secondary industry

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)

Keywords

• Credit brokerage services
• Loan consolidation
• Consumer credit
• Mortgage brokerage
• Borrower insurance

Headquarters

HQ city

Amiens

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Brokerage commissions from banking partners: Crédigo earns commissions from partner banks when financing is successfully disbursed. The company is only compensated upon fund release, as per MURCEF law regulations. Commission rates typically range from 3% to 8% of the credit amount, depending on the type of loan and the partner bank.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Crédigo operates as an IOBSP credit broker (courtier en opérations de banque et services de paiement) that connects individual consumers with partner banks for loan consolidation (rachat de crédits), consumer credit, mortgage loans, mortgage-secured cash loans, and borrower insurance. The core service groups multiple existing loans into a single amortized loan with one fixed-rate monthly payment, supported by an online simulation tool and a secure client portal for dossier tracking.

Product overview

Credigo operates as an IOBSP (courtier en opérations de banque et services de paiement) — a loan brokerage platform that brokers credit consolidation, consumer credit, mortgage loans, and hedged cash loans through a network of partner banks. The core offering is the Rachat de crédits (loan consolidation) service, which groups multiple existing loans into a single amortized loan with one fixed-rate monthly payment. This core product is supported by several complementary products: Crédit consommation (personal loans, revolving credit, mini-credit, auto loans), Prêt immobilier (mortgage loans), Prêt de trésorerie hypothécaire (mortgage-secured cash advance), Assurance emprunteur via Assurgo (borrower insurance), Prêt professionnel (business credit), and specialized products including Vente en viager, Vente en réméré, Portage immobilier, and Prêt relais. The platform also includes an online simulation tool for free feasibility estimates and a secure client portal (Espace Client) for dossier tracking and document management. An additional B2B layer — e-PRÉMIO — provides partner brokers and IOBSP professionals with a white-label platform to simulate, submit, and track dossiers using Crédigo's bank mandates. Crédigo has operated since 1998 as an independent broker registered with ORIAS (n° 11059119) and regulated by ACPR, working exclusively with French-speaking clients across France.

Differentiator

Problem solved

Functional benefit

Brands

• e-premio: Partner network/packageur for mortgage and credit professionals offering white-label credit consolidation solutions
• Assurgo by Crédigo

Products and services

• Rachat de crédits (Loan Consolidation / Refinancing) Core loan consolidation service that groups multiple existing loans (consumer credit, mortgage, auto loans) into a single new loan with one monthly payment, simplified budget management, and a fixed rate. Available for tenants, homeowners, civil servants, retirees, and professionals.
• Crédit consommation (Consumer Credit) Consumer credit brokerage for personal loans, revolving credit, mini-credit, home improvement loans, auto loans, and civil servant-specific loans. Negotiated with partner banks on behalf of clients.
• Prêt immobilier (Real Estate Loan) Mortgage loan brokerage for purchasing property, negotiating rates, and refinancing existing real estate loans. Includes loan-to-value assessment and mortgage insurance solutions.
• Prêt de trésorerie hypothécaire (Mortgage-Secured Cash Loan) Cash advance secured by a mortgage on owned real estate property. Enables property owners to unlock liquidity for personal or professional projects without selling assets, using a lien on their home as collateral.
• Assurance emprunteur (Borrower Insurance) Mandatory or optional credit insurance offered through Assurgo by Crédigo, covering borrower death, disability, and unemployment. Includes renegotiation of existing borrower insurance on active mortgages.
• Prêt professionnel (Professional Credit) Business financing for company creation, acquisition, or management. Different from personal loans notably in terms of guarantees required, brokered by Crédigo through partner financial institutions.
• Crédit renouvelable (Revolving Credit) Revolving credit facility offering a reusable credit line that replenishes as repayments are made, subject to regulatory transformation into amortizable loans when included in consolidation.
• Mini crédit en ligne (Mini Online Loan) Small-amount online consumer credit for immediate short-term financing needs, processed quickly with minimal documentation requirements.
• e-PREMIO (Partner Broker Network Platform)
• Vente en viager (Lifetime Annuity Sale) Sale of property in exchange for lifetime annuity payments, providing a solution for seniors to unlock property equity while retaining the right to inhabit the property.
• Vente en réméré (Repurchase Option Sale) Sale of property with the right to repurchase within a defined period. Allows property owners facing financial difficulties to repay debts without permanently losing their real estate asset.
• Prêt relais (Bridge Loan) Short-term loan bridging the purchase of a new property and the sale of an existing one, allowing buyers to finance a new acquisition before their current property is sold.
• Portage immobilier (Real Estate Portage) Service where Crédigo purchases a property on behalf of a client and rents it back, enabling the client to become a tenant while preserving the future option to repurchase.
• Rachat de soulte (Buyout of Co-Owner Share) Financing solution for buying out a co-owner's share of a jointly owned property, typically in the context of separation or inheritance, consolidated into a single mortgage or refinancing loan.

Quantifiable outcome

• 28 years of expertise in credit brokerage
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• My Money BankcoreChannel Partner/ Reseller/ DistributorPartner banking institution for credit and credit consolidation services. My Money Bank is headquartered at Tour Europlaza, 92063 Paris La Défense Cedex. Crédigo operates as MOBSP (Mandataire non exclusif) for this institution.
• SYGMA BNPPPFcoreChannel Partner/ Reseller/ DistributorBanking partner specializing in credit solutions. SYGMA BNPPPF is located at 1 boulevard Haussmann 75009 Paris. Crédigo holds MOBSP status with this partner.
• Compagnie Générale de Location d'Équipement (CGI)coreChannel Partner/ Reseller/ DistributorFinancial services partner for credit operations. CGI is located at Parc République Bâtiment B, 59700 Marcq en Baroeul. Crédigo holds MOBSP status with this institution.
• CréatiscoreChannel Partner/ Reseller/ DistributorCredit and financing solutions partner. Créatis is headquartered at 61 Avenue Halley, Parc de la Haute Borne, 59650 Villeneuve d'Ascq. Crédigo holds MOBSP status with Créatis.
• CA Consumer Finance (Sofinco / Finaref / CREDILIFT)coreChannel Partner/ Reseller/ DistributorConsumer finance partner including Sofinco and Finaref brands. Located at Rue du Bois Sauvage, 90038 Evry Cedex. Crédigo holds MOBSP status and MIA (Mandataire d'intermédiaire d'assurance) status with this group.
• CofidiscoreChannel Partner/ Reseller/ DistributorOnline credit and financial solutions partner. Cofidis is located at Parc de la Haute Borne, 61 Avenue Halley, 59650 Villeneuve d'Ascq. Crédigo holds MOBSP status with Cofidis.
• YounitedcoreChannel Partner/ Reseller/ DistributorOnline credit solutions partner. Younited is located at 21 Rue de Châteaudun, 75009 Paris. Crédigo holds MOBSP status with Younited.
• Caisse de Crédit Municipal de ToulonminorChannel Partner/ Reseller/ DistributorMunicipal credit institution partner. Located at Place Besagne, 83000 Toulon. Crédigo holds MOBSP status with this institution.
• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorInsurance intermediary partner. BNP Paribas Personal Finance is located at 1 Boulevard Haussmann, 75318 Paris Cedex 09. Crédigo holds MIA (Mandataire d'intermédiaire d'assurance) status with this partner.
• e-PRÉMIOminorStrategic or Co-development PartnerPartner network for brokers (MIOB) and business introducers. e-PRÉMIO is a packageur (specialized broker) offering tools for simulation, dossier submission, and real-time tracking. Located at the same address as Crédigo: 1 Allée de l'Albatros, ZAC Jules Verne, 80440 Glisy. Operates in France and DOM-TOM.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Cafpi: Major French mortgage broker with national retail presence; competes directly with Crédigo on real estate loan brokerage and refinancing using partner-bank mandates.
• Pretto: French online mortgage and credit consolidation broker using a hybrid digital-plus-advisor model; directly analogous in target customer and channel mix.
• Ace Crédit: Online French credit broker specialized in loan consolidation and consumer credit; directly comparable product, customer, and IOBSP-style distribution model.
• Meilleurtaux.com: One of France's largest online mortgage and credit brokers, offering mortgage, consumer credit, and consolidation brokerage through a partner-bank model very similar to Crédigo's IOBSP role.
• Empruntis: French credit comparison and brokerage platform for mortgages, consumer credit, and consolidation; competes for the same inbound borrower funnel as Crédigo.
• Vousfinancer: Network of French mortgage brokers brokered through partner banks, comparable to Crédigo's intermediation model with multi-bank access.

Broad incumbents

• Cofidis: Major French consumer credit lender also a Crédigo banking partner; competes for the same end-customer and is a benchmark for the integrated lender-broker hybrid in French credit consolidation.
• Boursorama Banque: Major French online bank offering consumer credit, mortgages, and consolidation in-house; indirect competitor by disintermediating brokers like Crédigo.
• Younited Credit: Large French online consumer credit lender operating both directly and through partner networks (it is itself a Crédigo partner); comparable end-customer and product set but integrated lending rather than pure brokerage.
• Sofinco (CA Consumer Finance): Large consumer credit brand of Crédit Agricole and Crédigo partner; representative benchmark for consumer credit distribution at scale in France.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Credigo_fr
• Facebookfacebook.com/credigo.fr

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credigo loan app