Name

Domofinance

Legal name

Domofinance

Website

https://domofinance.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Consumer Lending

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

akta.pro secondary industry

Renovation/Remodel-to-Perm Financing (Owner-Occupied) (FSALAHAF)

Keywords

• Consumer lending
• Renovation financing
• Personal loans
• Energy efficiency loans
• Condominium financing

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Credit Interest Income: Domofinance earns interest income from personal loans, renovation loans, and vehicle loans extended to individual customers. Loan amounts range from €1,500 to €75,000 with terms of 12 to 72 months. Revenue is generated through the spread between the interest rate charged to borrowers and the cost of funds.
2. Borrower Insurance (Assurance Emprunteur): Optional credit protection insurance products offered at loan origination, underwritten by Cardif Assurance Vie and Cardif Assurances Risques Divers. Insurance covers death, disability, illness, and unemployment protections with monthly premiums included in loan payments.
3. Early Repayment Fees: Late payment fees of 4% on deferred installments and early repayment fees of 1% on capital outstanding for repayments exceeding €10,000.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Domofinance provides personal loans and specialized renovation financing products to individual French consumers and condominium associations for energy-efficient home improvements, including insulation, heat pumps, photovoltaic panels, facade works, and green vehicle purchases. Loan amounts range from €1,500 to €75,000 over 12 to 72 months (and up to 10 years for condominium loans), with state-regulated zero-interest Eco-PTZ products and EDF-bonified subsidized rates starting from 2.95%. The portfolio is distributed through an online platform complemented by partner networks of certified RGE artisans and professional syndics.

Product overview

Domofinance is a specialist financing company focused on energy-efficient home renovation projects, operating as a joint venture between EDF and BNP Paribas Personal Finance since 2003. The product portfolio centers on personal loans and professional renovation financing, comprising Prêt Personnel (general personal loans), Crédit Véhicule Vert (green vehicle financing), and Prêt avec un Professionnel (professional renovation loans including Prêt Confort Habitat, Prêt Isolation des Murs, Prêt Coup de Pouce Pompe à Chaleur, Prêt Économies d'Énergie). For condominiums, offerings include Eco-Prêt à Taux Zéro Copropriété, Prêt Personnel Copropriété, and Espace Syndics. Optional borrower insurance (Assurance Emprunteur) is available as an add-on for all loan products. The company serves over 450,000 customers with financing amounts typically ranging from €1,500 to €75,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt Personnel Personal loan product allowing individual customers to finance various projects including green vehicles, with amounts ranging from €1,500 to €75,000 over 12 to 72 months.
• Crédit Véhicule Vert Financing solution for individuals to purchase green vehicles including electric, hybrid, or two-wheeled electric vehicles, available with or without personal contribution.
• Prêt Confort Habitat Home comfort loan for housing renovation projects, bonified by EDF, covering improvements to residential properties.
• Prêt Confort Habitat Photovoltaïque Specialized loan for photovoltaic panel installation projects, part of the professional renovation financing solutions.
• Prêt Isolation des Murs Loan product for wall insulation improvements, one of the energy-saving renovation solutions offered.
• Prêt Coup de Pouce Pompe à Chaleur Subsidized loan for heat pump installation with rates starting from 2.95%, part of the EDF partnership financing program.
• Prêt Économies d'Énergie Energy savings loan bonified by EDF for energy efficiency renovation works performed by certified professionals.
• Eco-Prêt à Taux Zéro Copropriété State-regulated zero-interest loan for collective renovation targeting energy performance improvements of common areas, available from €100,000.
• Prêt Personnel Copropriété Personal loan for condominium owners to finance renovation of common areas, ranging from €1,500 to €75,000 over 1 to 10 years.
• Espace Syndics Dedicated portal for professional building managers providing regional contacts and resources for condominium renovation financing.
• Assurance Emprunteur Borrower insurance product offered by Cardif providing coverage for death, disability, illness, accident, and unemployment (DIM, DIMC options).

Quantifiable outcome

• 450,000+ customers served since 2003
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• EDFcoreStrategic or Co-development Partner · 1 January 2003EDF and BNP Paribas Personal Finance jointly created Domofinance in 2003. EDF provides the 'Partenaire Économies d'Énergie d'EDF' certification to Domofinance and its partner professionals, and co-develops subsidized loan products like the Coup de pouce heat pump financing with preferential rates from 2.95%. EDF also contributes bonifications (interest rate subsidies) to eligible renovation loans.
• SynercielminorGTM or Marketing PartnerSynerciel is a network of 2,000+ certified RGE (Reconnu Garant de l'Environnement) artisans specializing in energy-efficient renovation. Synerciel refers homeowners to Domofinance for financing their renovation projects, creating a complementary ecosystem for energy renovation services.
• Cercle Confort Habitat (CCH)minorChannel Partner/ Reseller/ DistributorLocal cooperatives of Synerciel artisans with complementary trades who work together on comprehensive renovation projects. These groups recommend Domofinance financing to homeowners undertaking multi-trade renovation work.
• Cardif Assurance VieminorOthersInsurance company providing borrower insurance (Assurance Emprunteur) products offered by Domofinance at loan origination. Products include death, disability, illness, and unemployment coverage underwritten by Cardif Assurance Vie (€719,167,488 capital) and Cardif Assurances Risques Divers (€16,875,840 capital), both based at 1 Boulevard Haussmann, Paris.
• SGFGAS (Société de Gestion des Financements et de la Garantie de l'Accession Sociale à la propriété)minorOthersGovernment-linked entity managingbonified credit programs and social housing access guarantees. Involved in administering rate-subsidized loans for eligible renovation projects.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Younited Credit: Younited Credit is a French fintech operating an online marketplace for personal loans (including home improvement), competing directly with Domofinance in the digital origination layer of the French consumer lending market. Both target French individual borrowers seeking unsecured personal loans, with Younited differentiated by its fully digital platform versus Domofinance's partner-mediated model.
• Franfinance: Franfinance is the consumer finance subsidiary of Société Générale, providing personal loans, auto loans, and home improvement financing in France. It is a direct competitor to Domofinance in the French home improvement and personal lending category, with comparable product structure and similar reliance on partner distribution (retailers, dealers, online).
• Cetelem: Cetelem is the consumer credit brand of BNP Paribas Personal Finance — Domofinance's parent — offering personal loans, auto loans, and home improvement financing across France. As a sibling brand under the same parent, it directly competes with Domofinance on overlapping personal-loan and renovation-financing products while sharing the same BNP treasury and regulatory infrastructure.
• Sofinco: Sofinco is the consumer finance brand of Crédit Agricole Personal Finance, offering personal loans, auto loans, and home renovation financing across France. As one of the largest French consumer finance operators, it competes directly with Domofinance in the unsecured personal loan and home improvement lending segments, with similar reliance on partner and digital origination channels.
• Cofidis: Cofidis is a France/Belgium-headquartered consumer credit specialist (Crédit Mutuel group) offering personal loans, home improvement loans, and revolving credit directly comparable to Domofinance's product range and customer segments. Both compete for the same French homeowner borrower on home renovation financing, with Cofidis operating at greater scale across multiple European markets.
• Floa Bank: Floa Bank is a BNP Paribas group digital consumer finance bank offering personal loans, payment financing, and online credit products in France. It is a sibling entity to Domofinance within BNP Paribas Personal Finance and competes directly in the online personal loan and green-vehicle financing categories targeted by Domofinance.

Others

• BNP Paribas Personal Finance: BNP Paribas Personal Finance is Domofinance's parent group and the consumer finance arm of BNP Paribas, operating brands including Cetelem, Cofinoga, and Floa. It is the umbrella entity under which Domofinance operates, sharing treasury, regulatory standing, and product infrastructure, and serves as the structural enabler of Domofinance's loan origination capacity.

Broad incumbents

• Oney: Oney is a French consumer credit and payment solutions provider (BPCE/Auchan group) offering personal loans, split payments, and store financing across retail and e-commerce. It is a broad incumbent in the French consumer credit space and overlaps with Domofinance on personal loans and home improvement financing, though distributed primarily through retail partners rather than artisan networks.
• Caisse d'Epargne: Caisse d'Epargne is a French regional banking group (BPCE) offering personal loans, eco-PTZ, and home improvement financing through its branch network. As a broad incumbent bank, it competes with Domofinance for French homeowner borrowers seeking renovation financing, though via traditional branch distribution rather than Domofinance's specialist partner-artisan channel.
• Crédit Mutuel Arkéa: Crédit Mutuel Arkéa is a French cooperative banking group offering consumer credit, mortgages, and home improvement loans through its Crédit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest networks. As a broader banking incumbent, it competes with Domofinance indirectly via personal loan and renovation financing products distributed through its regional bank branches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Domofinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Domofinance