Django | App de paiement en 3x

La Banque Postale Consumer Finance (LBPCF) presents the Django app and the Django Later credit solution, allowing you to split your past purchases into 3 installments!

How do I get a loan on the Django app?

In just a few clicks, you can request a loan from LBPCF for the amount of a purchase you've already made, which you'll repay in 3 monthly installments. You'll pay:

- On day 1: the credit fees

- On day 30: the first monthly installment of your loan

- On day 60: the second monthly installment of your loan

- On day 90: the third monthly installment of your loan.

You can also request a transfer of the amount of your choice, within your borrowing capacity.

How do I benefit from the Django Later solution by La Banque Postale?

Download the Django app 📱

Create your Django user account: it only takes a few minutes! ⏲️

Connect your bank account to your Django user account.

Your borrowing capacity will then be calculated and updated each time you log in to the Django app.

Borrowing capacity is the maximum amount you can borrow to spread your expenses over 3 installments*.

Then, select the purchase you want to split from your list of eligible purchases, or enter the amount you wish to receive by bank transfer 🛍️

What expenses are eligible for the Django Later credit solution?

- The expense must have been incurred within the last 60 days.

- It must be between €50 and €2,500*.

What are the advantages of the Django Later solution by La Banque Postale?

- The right to change your mind: If you didn't do so at the time of purchase, with the Django app you can split your expense into 3 installments.

- 60 days to think it over: The Django app allows you to regain control of your budget by spreading out the cost of your purchases*.

- Your expenses not showing up? Apply for your loan by entering the amount* you wish to receive.

- Fast transfer to your account: On average, the transfer arrives in your account within 24 business hours, and you repay the first monthly installment of your loan 30 days later.

A loan is a commitment and must be repaid. Check your repayment capacity before committing. Lender: LA BANQUE POSTALE CONSUMER FINANCE - S.A. with a Management Board and Supervisory Board. Share capital €243,250,000. 1 avenue François Mitterrand, 93212 La Plaine Saint Denis Cedex. RCS Bobigny No. 487 779 035. Insurance intermediary registered with ORIAS under No. 09 051 330.

*Subject to eligibility and within the limits of your available borrowing capacity, after verification of your identity and payment of credit fees.

For more information, please consult the Django Later Terms and Conditions available in the application.

Application and data security:

The security of personal information is fundamental to LBPCF, as it is to the entire La Banque Postale group.

Protecting the information that is shared, for example, when creating a user account, is our top priority. We work with trusted third parties to ensure that all data is secure and encrypted, and we take strict measures to protect the privacy of our users.

LBPCF does not have and will never have access to its users' bank details. These are collected securely by our service provider, Powens, whose services are strictly regulated by the Payment Services Directive (PSD2) and the General Data Protection Regulation (GDPR).

Powens is regulated by the ACPR (French Prudential Control and Resolution Authority) and the Banque de France (French Central Bank), and has implemented internal controls to comply with applicable banking standards. User data entered within the Powens environment is encrypted and then stored within the European Union.

For more information, you can consult the Data Protection Policy available on the Django application.