Eco-responsible personal loan
A personal loan with an interest-rate reduction for eligible BoursoBank customers buying an electric vehicle or installing a charging system.
Ez a lehetőség jelenleg angolul érhető el.
Borrow €3,000–€75,000 over 12–72 months for a new or used electric vehicle with a registration document, including an electric car or two-wheeler, or for a vehicle charging system. Hybrids are excluded. The whole loan must be used for these eligible projects to receive the discount.
The loan has a fixed interest rate, with the rate, amount and term set when you sign. The eco-responsible discount reduces the nominal fixed interest rate by 1.20 percentage points. Select “Véhicule électrique ou borne de recharge” when applying and send your proof through your customer account within two months of signing the loan contract. BoursoBank applies the reduced rate within two months of receiving the proof. There is no arrangement fee.
After approval, the money is made available 14 days after you sign your loan application. You can request earlier release when preparing the application, after a minimum of seven full days. That calculation excludes the initial day and the final day; if the period ends on a Saturday, Sunday or public holiday it is extended by one day. Without the request during application, earlier release is unavailable. You have 14 days after signing the contract to withdraw; a period ending on a weekend, public holiday or non-working day runs to the next working day.
You repay through monthly debits from your bank account. The first payment falls one month after the funds are released, and subsequent payments fall on the same day of the month; you cannot change that debit date.
For partial or full early repayment through your customer account, instalments must be debited from a BoursoBank account, that account must hold at least the amount you want to repay, and you must make the request on a day other than a weekend or public holiday, at least seven working days before the next instalment. Repayment using your own money has no early-repayment fee. Refinancing with another lender for less than €10,000 also has no fee. For refinancing above €10,000, the charge is capped at 1% of the amount repaid early when more than one year remains, or 0.5% when one year or less remains.
Eligibility
You must be at least 18, be tax-resident in metropolitan France or a French overseas department, have held a BoursoBank current account for at least three months, and have a French mobile number starting with 06 or 07. You must not be registered in a Banque de France file.
You need regular income and must demonstrate a minimum level of income. Rental income can supplement professional income but cannot replace it. BoursoBank assesses your income, expenses and ability to repay before accepting the application. You do not have to receive your salary in the BoursoBank account.
A joint application requires an existing joint account. The co-borrower must also sign the contract and provide the requested documents.
How to apply
- Állapot
- Folyamatosan nyitva
- Az adott pályázati kör feltételei
- Open to eligible customers with a BoursoBank current account held for at least three months.
Apply online through the BoursoBank customer area and choose “Véhicule électrique ou borne de recharge”. Applications are ongoing for customers who meet the eligibility conditions, including the three-month account requirement; approval depends on the bank's assessment and a complete application.
For an individual application up to €75,000, BoursoBank analyses your account income and expenses. If all your income is not paid into BoursoBank accounts, upload your latest tax notice as the original PDF downloaded from impots.gouv.fr. Declare expenses held at other banks. Joint applications use the document-based route: declare income and expenses and provide the requested tax notices, statements and project proof for assessment.
Upload the electric vehicle's registration document or the charging system purchase invoice through your customer account within two months of signing the loan contract to receive the discount.