In France, new consumer credit rules will apply from 20 November 2026. They aim to better protect borrowers and prevent over-indebtedness.
Which types of credit are covered?
The regulations are being extended to several types of credit that were previously partially or entirely excluded:
- interest-free credit, with no fees or interest, or with negligible fees;
- loans of less than 200 €, known as “mini-loans”;
- loans of less than 3 months with negligible fees, such as certain instalment or deferred payments;
- consumer loans from 75 000 € to 100 000 €;
- lease agreements with an option to purchase, or LOA.
Deferred debit cards remain exempt from the regulations.
Clearer information before taking out credit
The pre-contractual information provided by the lender is subject to stricter rules. The decree of 19 February 2026 strengthens, among other things, information about the total cost of credit, the consequences of default and the possible avenues for redress.
The formalities applicable to short-term or small loans are simplified, while ensuring transparency.
Advertisements for consumer credit must be clear, fair and not misleading. They must include the statement “Warning! Credit costs money and must be repaid!”. It is forbidden to emphasize how easy it is to obtain credit.
Creditworthiness and repayment difficulties
To assess a borrower's creditworthiness, financial institutions may optionally consult the national register of repayment incidents, including for small loans. They may alert consumers in the event of financial difficulties.
The decree of 1 August 2026 strengthens the traceability of the creditworthiness assessment: the bank will have to be able to demonstrate how it assessed the borrower's situation.
Customers in difficulty can be referred free of charge to debt advice services.
Withdrawal and early repayment
Withdrawal periods are extended if the lender fails to meet its contractual information obligations. Preferential conditions are also provided for early repayment.
This information outlines the announced measures; it does not constitute personalized advice. For the details published by the administration, see the Service Public article on changes to consumer credit rules.
