Floa - prêt & gestion en ligne

Mini loan, payment in 3, 4x or more, Gold card, revolving credit from the app

FLOA – Loan & Management: Your Tailor-Made Payment Solution

A BNP Paribas Group Fintech, Floa helps you realize your projects with a simple and secure application. From your smartphone, you can borrow money, view your history, manage your payments, spread out your payments after purchase, and manage your transactions in real time (mini-loans, payments in 3x**, 4x**, or more, transactions made with your Gold card****, revolving credit**).
Floa is there for you wherever you need it!

Floa: Your projects become reality

Are you looking for a financing solution to cover an unexpected expense or would you like to make a purchase with repayment in 3 installments? With Floa, you can apply for a mini-loan* from €100 to €1,500.
Applying is very simple: create your account. Apply for your loan with just your bank details and ID. Then pay the financing fees: you'll receive your funds within 48 business hours. Repayment is made by credit card, in 3 fixed monthly installments.

Mini Loan Details:
- Maximum loan amount: €1,500
- Loan repayment term: 90 days
- Maximum fees: 3.43% of the borrowed amount
- Maximum APR: 23.41%

And if you have consolidated your bank account (e.g., BNP Paribas), you can choose a transaction made from this account and finance it via a Mini Loan, subject to eligibility.

Floa: One of the leaders in split payment

With Floa, you can pay for your purchases in 3 or 4 installments.

Have you made a purchase with one of our partners? From the Payment Schedule tab, you can track your monthly payments and settle any outstanding payments in case of unforeseen circumstances.

Floa Gold Card: The Credit Card You Need

A deferred debit Mastercard, the Gold Card allows you to pay for your purchases at your own pace and enjoy exclusive benefits!
From your customer area, you can track your transactions, cancel or temporarily block your card, enable/disable contactless payments, online or abroad, and download your bank statements.
And with every purchase, you earn cashback across our entire network.

A simple and secure mobile app

Access to your customer area is protected by biometric authentication (facial or fingerprint recognition), and your sensitive transactions are secure.
With more than 15,000 online and in-store partners (Cdiscount, SFR, Samsung, Iberia, Bricomarché, MisterFly, Oscaro, Veepee Voyage, etc.), F