Who is Banque Casino?
Banque Casino was created in 2001 by the Casino group and became an equal subsidiary in 2011 of the Casino group of supermarkets and hypermarkets and the Crédit Mutuel CIC banking group. Banque Casino has, over the past few years, constantly developed its product offering and its specialization until it has become an essential, innovative and competitive supplier of banking and insurance products.
In 2001, Banque Casino started its activity by marketing means of payment by bank card for Casino hypermarkets, then Casino supermarkets as well. A full range of insurance products (home, auto) was then added, as well as financing solutions (consumer credit, auto, etc.).
Banque Casino will help you meet small needs such as financing a trip, replacing your television or household appliances, buying a used car, as well as meeting larger needs such as purchasing of a new car, the renovation and work of your house. Banque Casino helps finance all your projects, ranging from € 500 credits to larger credits of up to € 50,000.
Not everyone has the same repayment capacity. Some can afford to pay larger monthly payments and pay off their loan faster, while others will need smaller and extended monthly payments over a longer period of time. The calculation of the monthly payment is important, insofar as a badly calculated monthly payment could plunge you into a difficult financial situation. As a result, Banque Casino leaves great flexibility in terms of repayment capacities. Loans can be repaid over a period of 12 to 84 months with fixed and competitive rates throughout your repayment of between 1.80% and 12.90%, allowing you to adapt your monthly payment to your economic situation.
What are your guarantees with Banque Casino?
Banque Casino is a subsidiary of the Groupe Casino brand and of the Crédit Mutuel banking group, both of which benefit from long experience (Groupe Casino was created in 1898 and Crédit Mutuel in 1895) and an indisputable national reputation.
The know-how of these groups has obviously been passed on to Banque Casino. Banque Casino understood that flexibility, flexibility with respect to repayments, as well as the profitability of the loan and listening to customer needs were essential points for borrowers. Therefore, by taking a loan with Banque Casino, you can benefit from the following advantages:
- Repayment flexibility: you can start making your repayment one month after receiving your cash advance.
- A flexible monthly payment: with Banque Casino, you can increase your monthly payment if your savings allow it and you wish to shorten the duration of your loan. Or, on the contrary, reduce your monthly payment if you enter into a difficult financial situation.
- No administration fees: no need for an initial contribution, only the monthly payments are to be reimbursed.
- Personalized support: advisors available throughout the United States are there to advise, listen and guide consumers. These advisors will guide you and prevent you from making mistakes that could plunge you into a delicate financial situation or on the contrary which will prevent you from repaying a loan over an unnecessarily long period and which would cause you to lose money that you could have avoided. . Banque Casino advisors are there to help you establish your budget and make the right decisions, so do not hesitate to consult them.
Finding a loan with Banque Casino, how does it work?
A loan simulator is available on the Banque Casino website. You will get an overview of your loan in just 3 steps! First of all, you must select your project (purchase of a new car, used, motorcycle, work, various projects, etc.).
Next, you need to indicate the amount in US dollars you wish to borrow. The amount to borrow must be between € 500 and € 50,000
Finally, you must indicate the duration in months, over which you want the loan to be spread.
If you find the result of your search satisfactory, you can then submit an online request. Please note that this online request does not commit you to anything. It allows you, quite simply, to send a request to Banque Casino so that they can carry out a case study and can then send you their proposal. You will then have the option of accepting or rejecting this proposal. After acceptance of the proposal made by Banque Casino, you have the right to a withdrawal period of 14 days. Beyond this time limit, you cannot go back. If you want to set up your loan and receive your cash advance quickly, you can however waive your 14-day right of withdrawal.
To subscribe to your loan, you can make your request directly online or make your request by phone. Once the request has been made and accepted and the withdrawal periods have been passed or waived, the deadlines for receiving your cash advance will be within a minimum period of 48 hours. You can, however, obtain loan financing within 8 days if you request it expressly.
Banque Casino offers a wide range of loans to meet various needs. As mentioned previously, the sums to be borrowed can be more or less important according to the needs. Among the Banque Casino loans you will find the following:
- The personal loan: to cover your desires without the loan being allocated to a specific expense (vacation, travel, various and varied personal projects, additional financial security, etc.). The amount of the personal loan can range from € 3,500 to € 50,000 and is repayable over a period of 12 to 84 months. With a personal loan, you can benefit from rates between 1.80% and 12.90%
- The auto loan: the auto loan is valid for the purchase of a new or used car and can range from € 3,000 to € 38,000 and is repayable over a period of 12 to 84 months. The rate will be between 2.30% and 12.90%
- The motorhome loan is between € 3,000 to € 50,000 and is repayable over a period of 12 to 84 months. The rate will be between 2.30% and 12.90%
- The motorcycle loan can range from € 3,000 to € 38,000 and is repayable over a period of 12 to 84 months. The rate will be between 2.30% and 12.90%
- The home work loan can range from € 3,000 to € 40,000 and is repayable in 12 to 84 months. The rate is between 2.30% to 12.90%
- The repurchase of credits: the repurchase of credits allows you to gather in a single credit all your small credits. This allows you to have only one monthly payment, a single intermediary and often more interesting rates, which will certainly extend your loan, but will reduce your monthly payments. This is an interesting solution for people who have taken out too many loans and are in a difficult financial situation. The repurchase of credit can range from the sum of 6,000 € to the sum of 75,000 €. The lowest rate is 4.90% and the loan is repayable over a period of 24 to 180 months.
- The revolving credit makes a sum available to you. This sum can be used in whole or in part. The available capital is reconstituted as and when your repayments are made. Revolving credit is available for loans from € 500 to € 6,000. The repayment period is between 12 to 60 months
Casino bank cards offer many benefits when you buy from Casino brands. With the accumulation of loyalty points, you can benefit from discounts of up to 20% at more than 1,200 e-merchants. With the Casino card, you can, for example, pay for your purchases in cash or in installments. The card can be used anywhere in United States and around the world. Withdrawals from Crédit Mutuel-CIC ATMs are free.
The Casino card also offers you numerous guarantees:
- manufacturer's warranty extension included (48 months for products purchased with the Casino card in one of the Casino brands and 36 months for products purchased elsewhere). - MasterCard insurance included. They cover part or all of your trips in the event of an accident - Mondial Assistance assistance included: this assistance is valid for you and your family, whether you travel together or separately, whether you are in United States or abroad .- loss and theft insurance for your means of payment (from € 0.75 per month) to cover fraudulent use of your cards or checkbooks, cash theft by aggression or trickery, breakage and theft of your purchases.
Banque Casino also offers a wide range of insurance to cover your daily life. At Banque Casino, you will find your borrower insurance, your auto insurance, your 2-wheel insurance, your home insurance, your snow insurance, your personal accident insurance, your school insurance, your hospitalization guarantees, etc. With Banque Casino, you have a range of insurance options available, whether it is essential insurance or insurance that you may deem useful, but not compulsory.
Regarding borrower insurance, the latter is not mandatory, but still represents an important guarantee for you and your loved ones in the event of life hazards such as the loss of a job, an accident, an illness or a death. This offer will be offered to you by the Banque Casino advisers who will find the solution best suited to your profile.