Lydia Small Express Loan is available to all users up to €1,500. Above this amount, the instant loan becomes an exclusive feature for Lydia+, Lydia Green+ and Lydia Black+ users, like the Instant Loan and the Revolving Credit.
For now, Express Loans are only available to users with a French number starting with +33.

Lydia allows a user to borrow between €100 and €3000 credited instantly or after 7 to 8 days in the user's Lydia account.

A loan is a commitment and must be repaid. Check your ability to repay before committing yourself.

Why should I subscribe to a Small Express Loan?

With the Small Express Loans, the user can now immediately:

  • Face an exceptional need, such as buying gifts or replacing broken down equipment (computer, washing machine, scooter);
  • Spread out a significant expense already made, such as plane tickets, holiday reservation & accommodation.

Get a Small Express Loan 💰

The user can apply for a loan with Lydia app in the "Account" tab, then "Credits":

Receive and use the money ⏱️

  • For a loan between €100 and €500, the money is credited to the user's Lydia account, either instantly or after 7 to 8 days for a 3-months repayment;
  • For a loan between €500 and €1,500, the money is credited on the user's Lydia account of their choice, as desired:
    • either instantly or after 7 to 8 days, for a 3-months repayment
    • after 7 to 8 days, for a 6 to 36-months repayment
  • For a loan over €1,500, and up to €3,000, the money is credited in Lydia after 7 to 8 days for a 6 to 36-months repayment

Important : A free user has access once a year to the Instant Loan option for the 3-months loans. After this, they will have to subscribe to Lydia+ or chose the option after 7 to 8 days.

In any case, the money can be spent unconditionally, for any project, whether it be a good or a service.

The Small Express Loan is a contractual commitment: it commits the borrower to repay the entire amount borrowed from the lender, plus fees, detailed below.

Cost of the loan 💁‍♀️

Like any other loan, the Instant Loan is a paying service with both variable and fixed costs. Costs are calculated according to both the amount lent and the delivery method the user chose.

For a loan paid back in 3 monthly installments

In this case, the Small Express Loan is not a consumer loan but a payment facility.

The user pays a fee related to the value of the loan. If the user wishes to receive the money instantly, no fixed charge will also be applied in addition to the fees below.

Amount borrowed

Negligible costs

Borrowing rate


100 € - 1500 €




For a Loan paid within a few days* and repaid in 6 or more monthly payments

The loan is financed by FLOA and it is a renewable credit.

Repayment period

APR excluding optional insurance

6 months


12 months


24 months


36 months


👉 For a more accurate fee estimate, make a Small Express Loan simulation from a mobile:

A loan is a commitment and must be repaid. Check your ability to repay before committing yourself.

Repay the loan 😎

Repayment is made in several monthly installments, automatically deducted from the user's bank account, via the bank card or IBAN provided at the time of subscription.

In the case of loans repaid by credit card, a pre-authorization for the amount of the first monthly payment will be requested from the user at the time of subscription. After validation, it will be immediately reimbursed.

For loans repayable in 3 months, these monthly payments are taken at 30, 60 and 90 days after the subscription date.

For loans repayable in 6 months, 1 year, 2 years, 3 years, these monthly payments are taken every 5th of the month, at least 30 days after the date of payment. This type of loan is a renewable loan, which the user can repay early by contacting the loan provider, FLOA. Contact information can be found in the loan details, directly on the app, or below.

The user can track their schedule from the app.

Eligibility criteria for an Instant Loan 👍

Our partner reserves the right to determine whether the user is eligible for the offer.

The personal information that the user agrees to share with the bank will be used to evaluate the application.

The response is final once the funds have been paid.

For the 3-months loan, the payment of the fees, by card, confirms the subscription.

Retraction right ❌

The user may exercise their right of withdrawal, to cancel their loan application, within 14 days from the date of application.

To learn more about how to cancel a Small Express Loan, click on this link.


If any questions are raised relating to the automatic response justification obtained following the loan request, or regarding a loan in progress, the user may contact directly the FLOA Bank customer service team, which can be reached by email at the following address:, or by phone on 0 969 39 11 91 (toll-free Monday to Friday from 9am to 8pm, and Saturday from 9am to 6pm).

The user will have to mention their customer reference during the telephone exchanges, information that they will find this information in the follow-up screen of their current loan.

To read the General Conditions of Use of the Loan with FLOA Bank, click here.

The Small Express Loan is presented by Lydia Solutions, a simplified joint stock company registered in Paris under the number 534 479 589 with a capital of €1,478,203, located 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 Agent with the ORIAS under the number 18007465.

Under the terms of the Small Express Loan, Lydia acts as principal from FLOA Bank, a public limited company registered in the Bordeaux Trade and Companies Register (RCS) 434 130 423, with a capital of 42,773,400 euros, whose registered office is located at Bâtiment G7, 71 Rue Lucien Faure, 33300 Bordeaux. FLOA Bank is a credit institution subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution (bank code: 14628) and registered as an insurance or reinsurance broker and insurance agent with the ORIAS under number 07028160.

Do you have any other question ?
Great !
Back to home
What do you want to do ?
Contact the support Back to home

Powered by HelpDocs (opens in a new tab)