Floa - Loans & Management: Mini loans, revolving credit, installment payments, gold card

Floa supports you with a simple and user-friendly app. From your mobile device, track your transactions in real time, view your history, manage your due dates, spread out your payments after purchases, and easily access a mini loan.

A fintech company within the BNP Paribas group, Floa empowers you to stay in control of your payments and everyday projects, with complete autonomy and simplicity.

Expenses are like the weather: they sometimes arrive unexpectedly. If you're looking for a financing solution to cover an unforeseen expense, or if you want to make a purchase with installment payments, the Floa Loans & Management app lets you apply for a mini loan* from €100 to €1,500, repayable in 3 monthly installments, to help you achieve what matters most to you.

How to apply for a loan through the app:
Request the desired amount (maximum €1,500) by providing your bank account details (RIB) and proof of identity.
Find out if you are eligible directly in the app.
View your repayment schedule transparently.
Pay your fees and receive the money within 24 to 48 business hours*.
Repayment is made by bank card in 3 fixed monthly installments.

It's simple, flexible, fast, and 100% mobile.

Installment or deferred payment
With Floa, you can pay for your purchases in 3**, 4** installments or more at our partner merchants, even after the purchase. From the Payment Schedule tab in the app, you can track your monthly payments, view your upcoming due dates, and modify your saved bank card if necessary.

Gold Card: An International Mastercard
More than just a payment method, the Floa Gold Card** is a deferred debit Mastercard credit card that lets you pay for your purchases at your own pace, according to your needs and desires.
Manage your card easily from your Floa mobile app:
Check your balance and available credit limit
View your upcoming due dates
Access your transaction history
Download your bank statements
And that's not all: you can also block your Gold Card, temporarily lock it, and activate or deactivate contactless payments, online payments, or international payments.

With the Floa app, everything is simpler and more secure.

Take advantage of our financing solutions to bring your projects to life:
Request money anytime and receive it within 48 hours with a mini loan*
Spread the cost of your existing purchases over several installments
Manage your transactions: 3x**, 4x**, or 10x*** payments with our partners, payments made with your Gold card**** or your revolving credit*****

With over 15,000 partners, Floa also gives you access to numerous great deals within its network: insurance, travel, high-tech, home appliances, fashion, beauty, home decor, and sports.

Access to your account and validation of your sensitive transactions are protected by Face ID or Touch ID.

With the Floa app, everything is simpler.

A loan is a commitment and must be repaid. Check your repayment capacity before committing.

* Amortizing loan offer subject to acceptance of your application by Floa. You have the legal right of withdrawal. The funds will be transferred within 24 to 48 business hours.

** Amortizing loan offer repayable in 3 or 4 monthly installments, subject to acceptance of your application by Floa.

*** Secured loan offer subject to acceptance of your application by Floa.

*** The Floa bank card is a credit card linked to a revolving credit facility.

Floa, SA with a capital of €72,297,200 – RCS Bordeaux 434 130 423 – Building G7, 71 rue Lucien Faure, 33300 Bordeaux – subject to the supervision of the Prudential Control and Resolution Authority – ORIAS No. 07028160.