Floa – Prêt, Crédit & Budget

Floa is your money, your loans, and your payments—all in one place, in seconds, 24/7. Get an alert before each withdrawal, simulate a mini-loan in moments, and unlock your card with a tap. No calls, no waiting. A subsidiary of the BNP Paribas Group—100% secure.

Floa is the trusted financial app for hundreds of thousands of users in France. Simple, fast, and secure, it supports your everyday projects with loans, installment payments, and budget management tools accessible 24/7.

With the Floa app, you can:

• Easily manage your money

• Pay for your purchases in 3, 4, or more installments at Floa partner stores

• Get a 100% online mini-loan to finance a project or unexpected expense within 48 hours

• Access a revolving credit facility

• Manage your Gold Mastercard or Cdiscount card

• Manage your loans, due dates, monthly payments, and budget in real time

• Enjoy cashback, discounts, deals, and exclusive offers

Mini-loans & credit: your boost at the right time

Need financing for a project, purchase, or unexpected expense? With Floa, simulate your mini-loan application directly from your mobile and get a quick response. • Mini loans and mini credit from €100 to €1,500

• 100% mobile application

• Immediate response after simulation

• Funds transferred within 48 hours

• Ideal solution for credit when you need it

Pay in installments: spread your purchases over 3 or 4 installments

• Pay in 3, 4, or more installments at Floa partners

• Easily spread out a purchase already made

• View your payment schedules at a glance

• Modify your direct debit card

• Stay in control of your budget and spending

Revolving credit: your amount available at any time

• Unlock funds from your personal account

• Check the available amount on your revolving credit

• Adjust your monthly payments to fit your budget

• Track your repayments and due dates in real time

• Access a detailed history of your transactions

Floa and Cdiscount bank cards: manage your cards with ease

• Manage your card Gold Floa Mastercard or your Cdiscount card from your mobile.

• Lock or unlock your card with one click

• Block or authorize online payments

• Check your available balance and spending limit

• Track your transaction debit dates

• Download your statements and monitor your spending

Budget & Direct Debit Tracking

• Receive an alert before each direct debit

• View your due dates and debit dates

• Track your repayments in real time

• Manage your budget in one place

• Anticipate your spending without any surprises

Cashback, Deals, and Benefits

• Cashback with selected partners

• Deals all year round

• Discounts at numerous retailers

• Exclusive offers to optimize your budget

Security and Support

Praised by hundreds of thousands of users, Floa applies the security standards of the BNP Paribas Group.

• Secure access to your personal account

• Secure validation of sensitive transactions

• EVA, your Augmented Virtual Expert, available 24/7

More than 15,000 merchant partners in the travel, high-tech, home, fashion, sports, and insurance sectors allow you to bring your projects to life with a mini-loan, a loan, or installment payments.

A loan is a commitment and must be repaid. Check your repayment capacity before committing. Loan offer subject to acceptance of your application by Floa.

Floa - SA with a capital of €72,297,200 - RCS Bordeaux 434 130 423 - ORIAS No. 07028160 - subject to the supervision of the Prudential Control and Resolution Authority.