Small express loan

Small loans for a helping hand, to spread out or optimize

Lydia gives you access to credits from €100 to €3000, directly from your mobile and without any paperwork. You can receive the money right away with an instant deposit, and you can use it however you like.

Small express loan

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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Spread out a large expense

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

An alternative to bank loans and overdrafts

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.

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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, for payment facilities

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

Terms and conditions
Younited Credit, for consumer loans

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.

Terms and conditions