FLOA
FLOA provides consumer financing and payment services, including installment payments, loans, bank cards, and insurance.
What FLOA is
FLOA provides consumer financing and payment services, including installment payments, loans, bank cards, and insurance. Customers may spread payments over 3, 4, 10, 12 installments, or more, online or in stores, subject to the offer and eligibility. FLOA says its installment service is available through more than 20,000 merchants. Its app, available for Android and iOS, lets customers request financing, manage services, and spread payments; web access is also listed. The virtual assistant Eva answers questions around the clock. Card options include the Gold card, which has travel and purchase protections, and the Cdiscount card, which offers cashback on eligible purchases. The Cdiscount card costs 1.25 € per month. The Gold card costs 4.50 € per month, with its fee waived for the first year. Credit facilities and card applications depend on acceptance. FLOA was founded in 2001 at the initiative of Groupe Casino and is headquartered in Bordeaux, France. Pricing for other services is available on request.
Good
- Installments are available online and in stores.
- App supports financing requests and service management.
- Eva answers questions 24 hours a day.
- Gold card includes travel and purchase protections.
- Listed for Android, iOS, and web.
Watch out
- Credit facilities require application acceptance.
- Cdiscount card costs 1.25 € per month.
- Gold card costs 4.50 € per month after its first year.
Who it suits
FLOA suits customers looking to spread payments or manage financing and card services through an app. Its merchant payment options may also suit retailers using supported platforms such as Shopify, Magento, or WooCommerce.
Verdict
FLOA combines installment payments, financing, cards, and insurance, with app access and an around-the-clock virtual assistant. Check eligibility conditions and card fees before choosing a credit option.
Plans and prices
From FLOA's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Carte Cdiscount | €1.25 a month | Carte de crédit associée à un crédit renouvelable, sous réserve d’acceptation · 1,25 € /mois |
| Carte Gold | €4.50 a month | Cotisation offerte la 1ère année; carte de crédit associée à un crédit renouvelable, sous réserve d’acceptation · 4,50 € /mois |
The facts
Each one read from FLOA's own pages, with the date it was checked.
Where it runs
- App authentication
- The app supports strong authentication for online payments and sensitive operations, with optional biometric login.checked 9 Oct 2026
- App platforms
- Floa directs customers to download its app from the App Store or Google Play Store.checked 9 Oct 2026
- Mobile app
- The Floa app lets customers request financing, manage services, and spread payments from their mobile device.checked 9 Oct 2026
What it does
- Card features
- The cards offer credit and payment options; the Gold card includes travel and purchase protections, while the Cdiscount card offers cashback on eligible purchases.checked 9 Oct 2026
- Credit eligibility
- Credit and card credit facilities are subject to Floa accepting the customer’s application.checked 9 Oct 2026
- Installments
- Customers can pay in 3, 4, 10, 12 times and more, online or in stores, subject to the applicable offer and eligibility.checked 9 Oct 2026
- Merchant network
- Floa says its installment payment service is available at more than 20,000 merchants, online and in stores.checked 9 Oct 2026
- Security
- Floa says customer data and payments are protected with encryption and strong authentication.checked 9 Oct 2026
- Support
- Floa provides help through its FAQ, customer contact channels, and the Eva assistant in the app.checked 9 Oct 2026
- Virtual assistant
- Eva, Floa’s virtual assistant, answers questions 24 hours a day.checked 9 Oct 2026
- What it offers
- Floa offers consumer financing and payment services, including installment payments, loans, bank cards, and insurance.checked 9 Oct 2026
The company
- Company history
- Floa says it was founded in 2001 at the initiative of Groupe Casino.checked 9 Oct 2026
- Founded
- 2001checked 28 Sep 2026
- Headquarters
- Floa lists its registered office at Immeuble G7, 71 Rue Lucien Faure, 33300 Bordeaux, France.checked 9 Oct 2026
