An advance
in a few minutes

From €100

A guaranteed money income should arrive soon but is still not there?

No need to ask for a salary advance, your Lydia account or bank account is credited instantly, and you can wait for your pay with peace of mind.

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Buy now,
pay later

Up to €1,500

Your computer has died and your next income isn't for several weeks? Don't want to miss out on an amazing promotion on those shoes you've been keeping an eye on for months?

Whatever your needs, you can order what you like now and only start paying in a month. No need to tell us what you want to buy, what you do with your money is none of our business.

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Petit prêt

Spread out
a large expense

Etaler dépense

Up to €3,000

Just made a big purchase (travel, plane tickets, scooter)? What if you spread it over 6 or even up to 36 months?

From your transaction history, you can select any expense made by card or wire transfer and choose to spread it. The sum is then credited back to your account within 7 days, so that a large occasional purchase doesn't completely paralyze your budget.

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How does it work?

  • 1.

    Select "Collect" from the app's homepage, or "Spread out this payment" on a receipt from your payment history

  • 2.

    Choose the repayment term and account to be credited, then confirm the schedule

  • 3.

    The account is credited, and you can find your loan conditions from the Lydia app

Palmiers Ordinateur Scooter

An alternative
to bank loans and overdrafts

Petit prêt express

With the small express loan,
you're in command.

You decide when you need financial flexibility, and you control the cost.

The conditions are transparent, there are no surprises or hidden costs. 30,000 Lydia users have already used this feature, it's open to everyone.

Test my eligibility

Lydia manages the experiment,
they lend the money

To offer you this service, Lydia has combined its expertise in simplifying the user experience with offers from French credit specialists:

Floa Bank

FLOA Bank, for payment facilities

Financial partner of the Casino brand and CDiscount, FLOA Bank is a credit institution (ORIAS 07028160)

FLOA Bank is a public limited company registered with the Bordeaux Trade and Companies Register (RCS) 434 130 423, with a €42,773,400 capital, whose head office is located at Bâtiment G7, 71 Rue Lucien Faure, 33300 Bordeaux. FLOA Bank is a credit institution subject to the Autorité de Contrôle Prudentiel et de Résolution (bank code: 14628) and registered as an insurance or reinsurance broker and insurance agent with ORIAS under the number 07028160

General terms & conditions
Floa Bank

Younited Credit, for consumer loans

It's the first online platform for personal loans in France and internationally. Younited Credit is a credit institution and investment services provider (ORIAS 11061269)

Younited Credit, is a public limited company with a management board and supervisory board, registered with the Paris Trade and Companies Register (RCS) under number 517 586 376, with capital of €1,333,756, whose head office is located at 21 rue de Châteaudun, 75009 Paris. Younited is a credit institution and investment services provider approved by the Autorité de Contrôle Prudentiel et de Résolution (bank code: 16488) and registered as an insurance or reinsurance broker with ORIAS under the number 11061269.

General terms & conditions

You are commited to a credit, and it must be repaid. Check your repayment capacity before you commit. (consumer article L.312-5)

The Small Express Loan is presented by Lydia Solutions Société par actions simplifiée registered in Paris, under the RCS number 534 479 589 with a €1,478,203 capital, established at 14 avenue de l'Opéra 75001 Paris, hereinafter referred to as "Lydia" or "Lydia Solutions", owner of the Lydia brand and registered as a Banking and Payment Service Representative with ORIAS under number 18007465. Under the terms of the Small Express Loan, Lydia acts in this context as an agent for Floa Bank and Younited Credit.

Variable fees for these loans are between 2.44% and 4% and fixed fees from 3% to 4% depending on the loan amount, with a maximum 21.09% APR. The loan period is between 3 and 36 months, over which maturities are staggered in equal parts. You can find the details of the costs (annual percentage rate of charge and debit rate) by clicking here.

You will also enjoy

The current account,
reinvented by Lydia

An account for all your daily expenses, accompanied by your Visa Debit card and a French IBAN.
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Lydia cards

To pay in-store or online, in a completely secure way and without any hidden fees.
Learn more