Credit on line
Credit On Line is an independent credit comparator that offers the comparison of the main credit players on the Internet.
- Company typePrivate
- Founded1998
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Credit on line does
Credit On Line (legal entity SA SAMAT-I) is a Paris-headquartered, independent online credit comparison platform founded in 1998. It operates exclusively at www.credit-on-line.com, serving French individual consumers who need to finance personal projects (wedding, travel, household appliances), home improvements, new or used vehicle purchases, revolving credit reserves, or debt consolidation. Customers complete a single six-step online form (project type, family situation, contact, professional situation, monthly charges, banking information) and receive instant principle decisions, with funds typically disbursed within 48 hours of partner approval.
The platform's core technology is a web-based comparison and simulation engine that routes a single consumer application to a curated network of ten-plus partner financial institutions, including Floa, Cetelem, Cofidis, Franfinance, Oney, Advanzia Bank, Younited, Boursobank, Société Générale, and LCL. Supporting the funnel are SEO-optimized financial tools (borrowing-capacity, monthly-payment, debt-ratio, amortization schedule) and a credit glossary, while the product surface spans personal loans (€500–€75,000, 12–84 months, TAEG 0.9%–23.50%), auto loans, home-improvement loans, revolving credit, and debt consolidation.
The business model is consumer-facing-free / B2B-monetized: no fees are charged to end users, and revenue is generated entirely through referral and lead-generation commissions paid by partner lenders each time a customer application is forwarded or completed through the platform. The entity is registered as a non-exclusive intermediary in banking operations and payment services with ORIAS (13006586) under ACPR supervision, with GDPR-compliant data processing declared to the CNIL. The company operates with 1–10 employees and is privately held with no disclosed funding rounds, acquisitions, or parent-company ownership.
Credit on line firmographics
Firmographics- Name
- Credit on line
- Legal name
- samat-i / Credit On Line
- Website
- https://www.credit-on-line.com/
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Credit On Line is an independent credit comparator that offers the comparison of the main credit players on the Internet.
- Ownership category
- akta.pro rank
Where Credit on line is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Credit on line business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Operations, Personnel, Others
Revenue model
- Lead/referral fees from partner lenders: Credit On Line acts as a free comparison platform for consumers. Revenue is generated through referral fees and lead-generation commissions paid by partner financial institutions (Floa, Cetelem, Cofidis, Franfinance, Oney, Advanzia Bank, Younited, Boursobank, SG, LCL) each time a customer application is forwarded or completed through the platform. No fees are charged to the consumer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer comparison and simulation service |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Credit on line product offering
Product offeringCore offering
Credit On Line is an independent online credit comparison platform that lets French consumers fill in a single application form to receive and compare personal loan, home improvement loan, new and used vehicle loan, revolving credit, and debt consolidation offers from more than 10 partner financial institutions. The service is 100% free and without commitment for users, who receive a principle response within minutes and can have funds disbursed within 48 hours of final approval, while the company earns referral/lead fees from partner lenders.
Product overview
Credit On Line operates as an independent online credit comparison platform launched in 1998, connecting borrowers with a network of partner financial institutions (Floa, Cetelem, Cofidis, Franfinance, Oney, Advanzia Bank, Younited, Boursobank, SG, LCL) to offer a comprehensive suite of consumer credit products. The core platform enables users to compare and apply for personal loans (Crédit Personnel), home improvement loans (Prêt Travaux), auto loans for new and used vehicles (Crédit Auto Neuve/Occasion), revolving credit lines (Crédit Renouvelable), and debt consolidation (Rachat de Crédits). The service is entirely free to users, who submit a single application that is transmitted to multiple partner lenders for competitive offers. Supporting tools include borrowing capacity calculators, monthly payment calculators, amortization schedules, and a financial glossary to help users understand credit terms.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit On Line Comparison Platform
- Crédit Personnel
- Prêt Travaux
- Crédit Auto Neuve
- Crédit Auto Occasion
- Crédit Renouvelable
- Rachat de Crédits
Quantifiable outcome
- Response to credit applications within minutes of completing the form
- +2 more outcomes
Companies that use Credit on line
Customer profileSegments2 records
Ideal customer profiles2 records
Credit on line technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Credit on line partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- FloacoreFloa (formerly Banque Casino, member of the BNP Paribas group) is a financial partner offering several financing and payment services for individuals and e-commerce professionals. Floa is one of the principal lending partners whose credit offers are accessible through the Credit On Line comparison platform.
- CetelemcoreCetelem is a subsidiary of BNP Paribas, founded in 1953 to help French households finance household appliances. It has become one of Europe's leading consumer credit providers. Present in 30 countries with over 17,000 collaborators and approximately 27 million customers. Cetelem offers personal loans, revolving credit, auto loans, home improvement loans, and debt consolidation through the Credit On Line platform.
- CofidiscoreSince 1982, Cofidis has been a major and historic player in online credit in France. The institution offers a wide range of financial products for individuals, specializing in consumer credit, and is accessible through the Credit On Line comparison service.
- FranfinancecoreFranfinance is a subsidiary of Société Générale, created in 1989. This credit institution specializes in consumer credit offerings with associated insurance products, and is a lending partner on the Credit On Line platform.
- OneycoreOney is a company specializing in payment cards, money reserves, and personal loans, distributing its products exclusively online. Oney's credit offers are available through the Credit On Line comparison platform.
- Advanzia BankminorHeadquartered in Luxembourg and also present in Germany, Advanzia Bank primarily offers two product lines: a savings solution and a no-fee credit card. Credit offers are accessible via the Credit On Line platform.
- YounitedcoreYounited is a leader in instant credit in Europe, present in 5 countries. The company offers simple, fast, and transparent loans up to €50,000, with a strong commitment to responsible lending. Younited's offers are featured on the Credit On Line platform.
- BoursobankminorBoursoBank is a 100% online bank known for among the lowest fees in the market. It offers quick account opening, free cards, and a full range of services (account, credit, savings, brokerage). BoursoBank credit products are accessible through Credit On Line.
- Société Générale (SG)minorSG (formerly Société Générale) offers a complete and secure online banking solution backed by the strength of a major French bank. Accessible, modern, and personalized, SG's credit offerings are available through Credit On Line.
- LCLminorLCL is one of the major players in the French banking sector, offering tailored banking solutions with responsive customer service and high-performing digital tools. LCL was voted Customer Service of the Year 2025 and the highest-rated bank on Google in 2024. LCL credit products are available through Credit On Line.
Scale indicators4 records
Recent moves6 records
Expansion highlights3 records
Credit on line competitors and assessment
Company assessmentDirect peers
- Meilleurtaux: Leading French credit comparison platform (formerly MeilleurTaux, owned by La Banque Postale since 2023). Directly competes with Credit On Line in personal loan, mortgage, and insurance comparison, with a much larger marketing footprint.
- Pretto: French fintech credit and mortgage broker offering online comparison and personalized advice. Directly comparable to Credit On Line as a digital-first credit intermediary serving French consumers, though Pretto has stronger VC backing and a broader mortgage focus.
- Empruntis: Long-established French loan comparison platform (founded 1999, now part of the OPTeam/COFIDIS ecosystem). Directly competes with Credit On Line in personal loan, mortgage, and debt consolidation comparison.
- Selectra: Pan-European price comparison platform with strong presence in France covering energy, telecom, banking, and credit products. Directly comparable for consumer credit comparison and lead generation in the French market.
- Panorabanques: French banking and credit comparison service operated by Pont-Neuf / Figaro. Offers side-by-side comparison of personal loans, mortgages, and bank accounts — overlapping directly with Credit On Line's core offerings.
- LeLynx: French price comparison platform primarily for insurance, with credit and banking product comparison as adjacent offerings. Comparable as a multi-product comparator earning affiliate revenue from financial partners in France.
- JeChange: French multi-product comparison platform (energy, telecom, insurance, banking, credit). Directly comparable for affiliate-driven consumer credit lead generation in the French market.
Emerging players
- Younited Credit: French consumer credit fintech (Euronext-listed) offering instant credit up to €50,000. Comparable as a Credit On Line partner lender that also operates its own comparison/lead-generation funnel, blurring the line between lender and broker.
Broad incumbents
- Boursorama: France's largest online bank (Société Générale group subsidiary) offering credit, savings, brokerage, and insurance. Comparable as a Credit On Line partner and as a digital incumbent that increasingly captures comparison-driven demand through its own channels.
Others
- Linxo: French personal finance aggregation app (acquired by Crédit Agricole). Adjacent comparison/data provider that helps consumers understand their finances — comparable as ecosystem participant in French consumer credit decisioning, though not a direct credit broker.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Credit on line social profiles
Digital presenceCredit on line compliance and trust
Trust signalCompliance3 records
Credit on line financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit on line leadership team
Management profileNumber of profiles
Profiles1 record
Credit on line funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit on line 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 Credit on line
What does Credit on line do?
Credit On Line is an independent online credit comparison platform that lets French consumers fill in a single application form to receive and compare personal loan, home improvement loan, new and used vehicle loan, revolving credit, and debt consolidation offers from more than 10 partner financial institutions. The service is 100% free and without commitment for users, who receive a principle response within minutes and can have funds disbursed within 48 hours of final approval, while the company earns referral/lead fees from partner lenders.
Is Credit on line a public or private company?
Credit on line is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Credit on line founded?
Credit on line was founded in 1998. It employs 1 to 10 people.
Where is Credit on line based?
Credit on line is headquartered in Paris, France, in the Europe region.
How does Credit on line make money?
One revenue line is on record: lead/referral fees from partner lenders.
Who are Credit on line's main competitors?
Direct peers on record are Meilleurtaux, Pretto, Empruntis, Selectra, Panorabanques, LeLynx and JeChange. Younited Credit is listed as an emerging player. Boursorama is listed as a broad incumbent. Linxo is listed as an others.
Does Credit on line have an API?
No public API is recorded for Credit on line.