Consumer Loan Calculator 2026
Calculate your consumer loan with monthly payments, APR, total cost and amortization schedule. Auto, home improvement, personal loans.
Calculateur de crédit à la consommation 2026. Simulez votre crédit auto, travaux ou personnel avec calcul des mensualités, TAEG, coût total et tableau d'amortissement détaillé.
Calculateur Crédit Conso
Résultat de votre simulation
Montant emprunté
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Mensualité
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TAEG
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Détail du coût total
Capital emprunté
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Intérêts totaux
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Assurance totale
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Frais de dossier
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COÛT TOTAL DU CRÉDIT
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MONTANT TOTAL À REMBOURSER
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Taux d'endettement
Revenus mensuels : -
Mensualité crédit : -
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Max recommandé : 35%
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Comparaison selon la durée
| Durée | Mensualité | Coût total | Intérêts |
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Tableau d'amortissement
| Mois | Mensualité | Capital | Intérêts | Assurance | Restant dû |
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Taux moyens crédit conso 2026
| Type de crédit | Montant | Taux min | Taux moyen | Taux max |
|---|---|---|---|---|
| Crédit auto neuf | 10 000 - 50 000€ | 2.5% | 4.0% | 6.5% |
| Crédit auto occasion | 5 000 - 30 000€ | 3.0% | 5.0% | 7.5% |
| Crédit travaux | 3 000 - 75 000€ | 2.8% | 4.5% | 8.0% |
| Crédit personnel | 1 000 - 50 000€ | 3.5% | 6.0% | 10.0% |
| Crédit renouvelable | 500 - 10 000€ | 8.0% | 12.0% | 18.0% |
| Rachat de crédits | 10 000 - 100 000€ | 3.0% | 5.5% | 9.0% |
⚠️ Taux indicatifs 2026. Les taux réels dépendent de votre profil, apport, durée et organisme prêteur. Comparez plusieurs offres avant de vous engager.
Crédit à la consommation 2026 : guide complet
Le crédit à la consommation (ou crédit conso) est un prêt destiné à financer l'achat de biens ou services (voiture, travaux, électroménager, vacances...) hors acquisition immobilière. En 2026, avec des taux allant de 2.5% à 12% selon le type et la durée, il est essentiel de bien calculer le coût total avant de s'engager. Notre calculateur vous permet de simuler précisément vos mensualités, le TAEG et le coût total de votre crédit.
Les différents types de crédit à la consommation
Il existe plusieurs catégories de crédits conso, chacune avec ses caractéristiques :
Crédits affectés
1. Crédit auto/moto
- Montant : 5 000€ - 50 000€
- Durée : 12 - 84 mois
- Taux : 2.5% - 7.5%
- Lié à l'achat véhicule
2. Crédit travaux
- Montant : 3 000€ - 75 000€
- Durée : 24 - 120 mois
- Taux : 2.8% - 8%
- Justificatifs requis
Crédits non affectés
3. Crédit personnel
- Montant : 1 000€ - 50 000€
- Durée : 12 - 84 mois
- Taux : 3.5% - 10%
- Utilisation libre
4. Crédit renouvelable
- Montant : 500€ - 10 000€
- Durée : variable
- Taux : 8% - 18% ⚠️
- Réserve d'argent
⚠️ Attention au crédit renouvelable : Avec des taux pouvant atteindre 18%, c'est le crédit le plus cher. Privilégiez un crédit personnel classique si possible.
Comment calculer la mensualité d'un crédit conso ?
La formule de calcul de la mensualité est la suivante :
Formule mensualité :
Où :
• M = mensualité
• C = capital emprunté
• t = taux annuel (en décimal, ex: 0.05 pour 5%)
• n = nombre de mois
Exemple :
Capital : 15 000€
Taux : 4.5% (0.045)
Durée : 48 mois
M = 15 000 × (0.045/12) / (1 - (1 + 0.045/12)^(-48))
M = 15 000 × 0.00375 / (1 - 0.8356)
M = 56.25 / 0.1644
M = 342.15€/mois
M = C × (t/12) / (1 - (1 + t/12)^(-n))Où :
• M = mensualité
• C = capital emprunté
• t = taux annuel (en décimal, ex: 0.05 pour 5%)
• n = nombre de mois
Exemple :
Capital : 15 000€
Taux : 4.5% (0.045)
Durée : 48 mois
M = 15 000 × (0.045/12) / (1 - (1 + 0.045/12)^(-48))
M = 15 000 × 0.00375 / (1 - 0.8356)
M = 56.25 / 0.1644
M = 342.15€/mois
Qu'est-ce que le TAEG et comment le calculer ?
Le TAEG (Taux Annuel Effectif Global) est LE taux de référence pour comparer les crédits. Il intègre le taux nominal + l'assurance + les frais de dossier. C'est le coût réel de votre crédit.
Calcul TAEG simplifié :
Exemple crédit 15 000€ sur 48 mois :
• Taux nominal : 4.5%
• Mensualité hors assurance : 342€
• Assurance : 0.35% du capital = 52.50€/an = 4.38€/mois
• Mensualité totale : 342 + 4.38 = 346.38€
• Frais dossier : 100€
Total remboursé : (346.38 × 48) + 100 = 16 726€
Coût crédit : 16 726 - 15 000 = 1 726€
TAEG ≈ 5.2%
Exemple crédit 15 000€ sur 48 mois :
• Taux nominal : 4.5%
• Mensualité hors assurance : 342€
• Assurance : 0.35% du capital = 52.50€/an = 4.38€/mois
• Mensualité totale : 342 + 4.38 = 346.38€
• Frais dossier : 100€
Total remboursé : (346.38 × 48) + 100 = 16 726€
Coût crédit : 16 726 - 15 000 = 1 726€
TAEG ≈ 5.2%
L'assurance emprunteur : obligatoire ou facultative ?
Contrairement au crédit immobilier, l'assurance emprunteur n'est pas obligatoire pour un crédit conso. Cependant, elle est fortement recommandée car elle vous protège en cas de décès, invalidité ou perte d'emploi.
Coût de l'assurance
- Taux moyen : 0.30% - 0.50% du capital
- Crédit 15 000€ : 45-75€/an
- Sur 4 ans : 180-300€ total
- Impact mensualité : +4-6€/mois
Garanties couvertes
- ✅ Décès
- ✅ PTIA (invalidité totale)
- ✅ IPT (invalidité partielle)
- ⚠️ Perte d'emploi (optionnelle)
💡 Bon à savoir : Vous pouvez refuser l'assurance de la banque et choisir une assurance externe (délégation d'assurance), souvent moins chère.
Conseils pour obtenir le meilleur taux
🎯 10 astuces pour optimiser votre crédit :
- Comparez plusieurs offres : Utilisez un comparateur et négociez
- Privilégiez les courtes durées : Moins d'intérêts payés
- Apportez un acompte : Réduit le montant emprunté
- Soignez votre dossier : CDI, pas de découvert, bons revenus
- Évitez le crédit renouvelable : Taux souvent > 12%
- Profitez des promotions : Constructeurs auto, enseignes
- Regroupez vos crédits : Rachat possible si plusieurs prêts
- Vérifiez le taux d'usure : Plafond légal à ne pas dépasser
- Anticipez les remboursements : Réduisez les intérêts
- Lisez les conditions : Frais cachés, pénalités
Frequently asked questions
A consumer loan is a loan intended to finance the purchase of goods or services excluding real estate acquisition. There are several types: auto/motorcycle loan...
A consumer loan is a loan intended to finance the purchase of goods or services excluding real estate acquisition. There are several types: auto/motorcycle loan (€5,000 to €50,000), home improvement loan (€3,000 to €75,000), personal loan (€1,000 to €50,000), revolving credit (€500 to €10,000) and debt consolidation (€10,000 to €100,000). Maximum amounts vary by type and your profile. Durations: from 12 months (1 year) to 84 months (7 years), sometimes 120 months for renovations. Difference with mortgage: amounts < €75,000, durations < 10 years, no mortgage guarantee. Allocated credit (auto, renovations) is linked to a specific purchase with supporting documents. Personal loan is unallocated: free use without justification. Revolving credit is a permanently available cash reserve but with very high rates (8-18%).
The monthly payment is calculated with the formula: M = C × (r/12) / (1 - (1 + r/12)^(-n)). Where M = monthly payment, C = borrowed capital, r = annual rate in ...
The monthly payment is calculated with the formula: M = C × (r/12) / (1 - (1 + r/12)^(-n)). Where M = monthly payment, C = borrowed capital, r = annual rate in decimal (e.g.: 0.045 for 4.5%), n = number of months. Concrete example: auto loan €18,000, rate 4.8%, duration 60 months. M = €18,000 × (0.048/12) / (1 - (1 + 0.048/12)^(-60)). M = €18,000 × 0.004 / (1 - 0.7864). M = €72 / 0.2136. M = €337/month. WITH INSURANCE (0.35% of capital): monthly insurance = (€18,000 × 0.0035) / 12 = €5.25/month. Total monthly payment = €337 + €5.25 = €342.25/month. Total repaid = €342.25 × 60 = €20,535. Loan cost = €20,535 - €18,000 = €2,535 (including interest €2,220 + insurance €315). Monthly rate is annual rate ÷ 12. The longer the duration, the higher the interest but the lower the monthly payment.
The APR (Annual Percentage Rate) is THE reference rate for comparing loans. It includes: nominal rate + borrower insurance + processing fees + all mandatory fee...
The APR (Annual Percentage Rate) is THE reference rate for comparing loans. It includes: nominal rate + borrower insurance + processing fees + all mandatory fees. It's the REAL annualized cost of your loan. Simplified calculation: APR ≈ (Total loan cost / Borrowed capital / Duration in years) × 100. Example: €15,000 loan over 48 months (4 years). Nominal rate 4.5%, insurance 0.35%, processing fee €150. Monthly payment excluding insurance: €342. Monthly insurance: (€15,000 × 0.0035) / 12 = €4.38. Total monthly payment: €346.38. Total repaid: (€346.38 × 48) + €150 = €16,776. Loan cost: €16,776 - €15,000 = €1,776. APR = (€1,776 / €15,000 / 4) × 100 = 2.96% per year → APR ≈ 5.3%. Difference nominal rate / APR: nominal ignores insurance and fees. APR is always HIGHER than nominal. Legal obligation: APR must appear on any loan offer. ALWAYS compare APRs, never just nominal rates.
NO, borrower insurance is NOT legally mandatory for a consumer loan (unlike mortgage where it is almost systematic). BUT it is strongly recommended as it protec...
NO, borrower insurance is NOT legally mandatory for a consumer loan (unlike mortgage where it is almost systematic). BUT it is strongly recommended as it protects you. Average cost: 0.30% to 0.50% of borrowed capital per year. Example €20,000 loan: insurance = €20,000 × 0.0035 = €70/year or €5.83/month. Over 5 years: €350 total. Covered guarantees: Death (full repayment of remaining capital), PTIA (Total and Irreversible Loss of Autonomy), IPT (Total Permanent Disability, often > 66%), IPP (Partial Permanent Disability > 33%, optional), Job Loss (optional, +0.20-0.30%). Insurance delegation: you can REFUSE the bank's insurance and choose external insurance (Lagarde law), often 30-50% cheaper. The bank cannot refuse if equivalent guarantees. Advice: compare at least 3 external insurances before accepting the bank's. Comparison sites: Magnolia, Metlife, April.
Rates vary by loan type, amount, duration and your borrower profile. NEW AUTO LOAN: 2.5% to 6.5%, average 4%. Manufacturer promotions possible at 0.9-1.9%. USED...
Rates vary by loan type, amount, duration and your borrower profile. NEW AUTO LOAN: 2.5% to 6.5%, average 4%. Manufacturer promotions possible at 0.9-1.9%. USED AUTO LOAN: 3% to 7.5%, average 5%. Higher rate as depreciated vehicle. HOME IMPROVEMENT LOAN: 2.8% to 8%, average 4.5%. Best rates for eco-renovation (PTZ, eco-PTZ). PERSONAL LOAN: 3.5% to 10%, average 6%. Unallocated so higher rate. REVOLVING CREDIT: 8% to 18%, average 12%. TO AVOID: prohibitive rates. DEBT CONSOLIDATION: 3% to 9%, average 5.5%. 2026 usury rate (legal ceiling): Loan < €3,000: 21.16%, Loan €3,000-6,000: 13.19%, Loan > €6,000: 6.78%. Factors influencing rate: personal contribution (rate reduction 0.5-1%), permanent vs fixed-term contract (reduction 0.3-0.5%), high income, no overdraft, banking history, duration (shorter = better rate). Negotiation possible: compare 3-4 banks, create competition.
Your borrowing capacity depends on your maximum debt ratio: 35% of your net monthly income (33% before 2021, raised to 35% since). Formula: Maximum monthly paym...
Your borrowing capacity depends on your maximum debt ratio: 35% of your net monthly income (33% before 2021, raised to 35% since). Formula: Maximum monthly payment = (Net income × 35%) - Current charges. Then: Borrowable capital = Max monthly payment × (1 - (1 + r/12)^(-n)) / (r/12). Example single €2,500 net/month, no charges: Max monthly payment = €2,500 × 35% = €875/month. Loan 4.5% over 60 months: Capital = €875 × (1 - (1.00375)^(-60)) / 0.00375 = €875 × 51.73 = €45,264. Example couple €4,500 net, mortgage €800: Remaining capacity = (€4,500 × 35%) - €800 = €775/month. Loan 5% over 48 months: Capital = €775 × (1 - (1.00417)^(-48)) / 0.00417 = €775 × 42.58 = €33,000. WARNING: bank calculates debt on ALL your loans (mortgage + consumer + revolving). If already 25% mortgage debt, 10% remains for consumer. Other criteria: minimum living expenses (€400-500/person), residual savings (3 months charges), job stability.
Both options have advantages and disadvantages. DEALER CREDIT (manufacturer captives: Stellantis Bank, RCI Bank, Volkswagen Bank): ADVANTAGES = Speed (approval ...
Both options have advantages and disadvantages. DEALER CREDIT (manufacturer captives: Stellantis Bank, RCI Bank, Volkswagen Bank): ADVANTAGES = Speed (approval in 48h), Aggressive promotions (0.9-2.9%), Insurance/warranty packages, Ease (all on site). DISADVANTAGES = Sometimes inflated rates outside promo, Expensive mandatory insurance, Little negotiation possible, Less transparent. CLASSIC BANK CREDIT: ADVANTAGES = Competitive rates (3-5%), Negotiation possible, Free choice of insurance, Total transparency, Easy comparison. DISADVANTAGES = Longer delay (1-2 weeks), Stricter file, Contribution sometimes required. WINNING STRATEGY: 1) Request dealer simulation AND 2-3 banks. 2) Compare APRs (not just nominal rate). 3) Check insurance cost separately. 4) Negotiate with best offer in hand. 5) If dealer promo < 3%, take it. 6) Otherwise, favor bank + insurance delegation. Real example: auto €25,000, dealer 3.9% + mandatory insurance 0.50% = APR 4.8%, monthly payment €460. Bank 4.2% + external insurance 0.30% = APR 4.7%, monthly payment €455. Savings: €300 over 60 months.
YES, you can ALWAYS repay early (totally or partially) a consumer loan. It's a legal RIGHT since Lagarde law 2010. Authorized penalties BUT capped: Total or par...
YES, you can ALWAYS repay early (totally or partially) a consumer loan. It's a legal RIGHT since Lagarde law 2010. Authorized penalties BUT capped: Total or partial repayment > €10,000: MAXIMUM compensation = 1% of repaid capital if > 1 year remaining, 0.5% if < 1 year remaining. Repayment < €10,000: NO penalty possible. Example: €25,000 loan, you repay €15,000 early, 3 years left. Max penalty = €15,000 × 1% = €150. Interest savings: about €1,500. Balance: +€1,350 savings. WARNING: some banks apply 0% penalty (check contract). Procedure: 1) Written or email request to bank. 2) Updated schedule within 10 days. 3) Amount transfer. 4) Early repayment certificate. Interest savings calculation: Remaining capital × Rate × Remaining duration. Example: €18,000 left, 5% rate, 30 months left. Interest saved = €18,000 × 0.05 × 2.5 = €2,250 - penalties €180 = +€2,070 net. Tip: Regular partial repayments (€500/month) without penalties if < €10,000/year.
ALWAYS favor personal loan except very specific case. PERSONAL LOAN: Fixed defined amount, Fixed duration (12-84 months), FIXED rate (3.5-10%), CONSTANT monthly...
ALWAYS favor personal loan except very specific case. PERSONAL LOAN: Fixed defined amount, Fixed duration (12-84 months), FIXED rate (3.5-10%), CONSTANT monthly payments, Defined end, PREDICTABLE cost. Example €10,000, 5%, 48 months = €230/month, cost €1,040. REVOLVING CREDIT: Permanent cash reserve, VARIABLE duration, VARIABLE and HIGH rate (8-18%), Variable monthly payments according to use, Automatic reconstitution (trap), UNPREDICTABLE cost. Example €10,000 used, 12%, if monthly payment €200: duration 79 months (!), cost €5,800 (!!!). COMPARISON €10,000: Personal 5% = €1,040 interest. Revolving 12% = €5,800 interest. Difference: +€4,760 paid MORE (×5.6!). CASES where revolving acceptable: Small amount < €2,000, Very short term < 6 months, Guaranteed quick repayment, One-time bailout. REVOLVING DANGER: Debt spiral (permanent use), Usurious rates, Difficult to settle, Encourages overconsumption. Advice: If you have a revolving in progress, CONVERT IT to personal (massive savings). 2010 law: bank OBLIGED to propose conversion every 3 years.
10 STRATEGIES to optimize your rate: 1) COMPARE 3-5 banks: rate varies by 2-4% between organizations. Use comparators (Meilleurtaux, Empruntis, Cafpi). 2) NEGOT...
10 STRATEGIES to optimize your rate: 1) COMPARE 3-5 banks: rate varies by 2-4% between organizations. Use comparators (Meilleurtaux, Empruntis, Cafpi). 2) NEGOTIATE: with best offer in hand, request alignment. Argument: "Bank X offers 3.8%, can you do better?". 3) CONTRIBUTE 10-20%: rate reduction 0.5-1%. Example auto €20,000, contribution €4,000 (20%) → rate 3.2% instead of 4.5%. 4) CHOOSE SHORT DURATION: 36 months instead of 60 = -0.5% rate + massive interest savings. 5) CARE FOR FILE: Stable permanent contract > 1 year, regular income, no overdraft 6 months, residual savings. 6) DOMICILE YOUR INCOME: bank grants -0.3-0.5% rate if domiciliation. 7) GROUP PRODUCTS: account + card + insurance = -0.2-0.4%. 8) ENJOY PROMOTIONS: auto manufacturers 0.9-2.9% key periods (January, September). 9) DELEGATE INSURANCE: 30-50% total cost savings (Magnolia, Metlife). 10) TIMING: negotiate end quarter/year (banks' commercial objectives). Real optimized profile example: Permanent contract 3 years, €3,000 net, 20% contribution, domiciliation, external insurance → obtained rate 2.9% vs 5.5% standard = €2,400 savings on €20,000/60 months loan.
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