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

Loan offers have not been available since 10/10/2024.
Loans taken out in the past can still be viewed on the application.
It is still possible to subscribe to a loan on the FLOA Bank application.

Les prêts express Sumeria
L'interface du prêt express Sumeria

A customized loan in a matter of minutes

With Sumeria, enjoy a loan ranging from €100 to €1,500 paid into your Sumeria account or your bank account.

Everything is done in-app and the answer can be immediate.

Une alternative aux prêts bancaires

An alternative to bank loans and overdrafts

Loan amount, loan term, monthly payment amount, interest rate… No nasty surprise or hidden fee.

All information relating to your loan application are clearly displayed in the loan calculator before the contract is signed.

After the loan request is validated , there are no unexpected expenses.

Un prêt express pour tous les projets

For all your projects

Shoes, a new smartphone, a bike… Finance anything you want with Sumeria loans.

You don’t have to tell us what you want to buy: what you do with your money is none of our business.

Sumeria manages the experience, they lend the money

To offer you this service, Sumeria has combined its expertise in simplifying user experience with offers from a French credit specialist:

FLOA Bank, pour les facilités de paiement

FLOA Bank, for payment facilities

Financial partner of the BNP Paribas group , FLOA Bank is a credit institution (ORIAS 07028160)

Terms and conditions

 

Taking a loan will legally bind you. Make sure you can afford to pay it back. (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, Sumeria acts in this context as an agent for Floa Bank.

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 21.96% APR. The loan period is 3 months, over the course of which interests are compounded. You can find the details of the costs (annual percentage rate of charge and debit rate) by clicking here.

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