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i.arrow[_ngcontent-sc50]{transform:rotate(-135deg);margin-top:5px}input[name=submenu][_ngcontent-sc50]:checked ~ ul[_ngcontent-sc50]{max-height:500px;overflow:hidden;transition:max-height 1s ease-in-out}.accordion_link[_ngcontent-sc50]:hover{text-decoration:underline!important}</style></head> <body style="overflow:;"> <div> <app-root class="lcl--part"><ng-progress role="progressbar" _nghost-sc11="" spinnerposition="right" dir="ltr+" thick="false" fixed="true"><div _ngcontent-sc11="" class="ng-progress-bar" style="transition:opacity 200ms linear;" active="false"><div _ngcontent-sc11="" class="ng-bar-placeholder"><div _ngcontent-sc11="" class="ng-bar" style="transform:translate3d(0%,0,0);background-color:#1B95E0;transition:none;"></div></div></div></ng-progress><router-outlet></router-outlet><app-cms class="ng-star-inserted"><app-header _nghost-sc47="" class="ng-star-inserted"><app-desktop-header _ngcontent-sc47="" class="desktop-only" _nghost-sc44=""><div _ngcontent-sc44="" role="banner" class="header regular"><a _ngcontent-sc44="" class="logo a11y-focus ng-star-inserted" href="/" target="_self"><img _ngcontent-sc44="" src="https://images.prismic.io/portail-lcl-web%2F30c1d897-783f-434d-a7f3-a7d08d2f0593_lcl_logo_bleu_signature.svg?auto=compress,format" alt="LCL Banque et Assurance" height="115" width="155" class="ng-star-inserted"></a><div _ngcontent-sc44="" class="lines"><div _ngcontent-sc44="" class="first-line"><div _ngcontent-sc44="" class="button link market ng-star-inserted"><button _ngcontent-sc44=""><span _ngcontent-sc44="">Vous êtes un particulier</span><i _ngcontent-sc44="" class="arrow"></i></button><ul _ngcontent-sc44="" class="market-list"><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="/banque-privee" target="_self">Banque privée</a></li><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="/professionnel" target="_self">Professionnel</a></li><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="/entreprise" target="_self">Entreprise</a></li><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="/espace-jeunes" target="_self">Jeunes</a></li><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="https://www.lcl.fr/angle-neuf">Angle Neuf</a></li><li _ngcontent-sc44="" class="ng-star-inserted"><a _ngcontent-sc44="" analyticson="" href="/decouvrir-lcl/presse" target="_self">Journaliste</a></li></ul></div><div _ngcontent-sc44="" class="actions-buttons"><app-desktop-header-action-button _ngcontent-sc44="" _nghost-sc42="" style="width:calc(100% / 4;" class="secondary ng-star-inserted"><nav _ngcontent-sc42="" role="navigation" aria-label="Menu client"><a _ngcontent-sc42="" analyticson="" class="link a11y-focus" style="background-color:#ffa702;" href="/nous-contacter" target="_self"><img _ngcontent-sc42="" alt="action button icon" class="icon ng-star-inserted" src="https://portail-lcl-web.cdn.prismic.io/portail-lcl-web/bf717813-7cab-440e-8664-7963b1134e5e_ic_chat.svg" width="33" height="32"><span _ngcontent-sc42="" class="label ng-star-inserted" style="color:#ffffff;">Nous contacter</span></a></nav></app-desktop-header-action-button><app-desktop-header-action-button _ngcontent-sc44="" _nghost-sc42="" style="width:calc(100% / 4;" class="ng-star-inserted"><nav _ngcontent-sc42="" role="navigation" aria-label="Menu client"><a _ngcontent-sc42="" analyticson="" class="link a11y-focus" style="background-color:#3b51d5;" href="/compte-bancaire/ouvrir-un-compte-bancaire-en-ligne" target="_self"><span _ngcontent-sc42="" class="label ng-star-inserted" style="color:#ffffff;">Ouvrir un compte</span></a></nav></app-desktop-header-action-button><app-desktop-header-action-button _ngcontent-sc44="" _nghost-sc42="" style="width:calc(100% / 4;" class="ng-star-inserted"><nav _ngcontent-sc42="" role="navigation" aria-label="Menu client"><a _ngcontent-sc42="" analyticson="" class="link a11y-focus" style="background-color:#1f368b;" href="https://monespace.lcl.fr/connexion"><img _ngcontent-sc42="" alt="action button icon" class="icon ng-star-inserted" src="https://portail-lcl-web.cdn.prismic.io/portail-lcl-web/889dd64f-7e7a-4db0-a0d5-9628e0e76e83_ic_lock.svg" width="15" height="20"><span _ngcontent-sc42="" class="label ng-star-inserted" style="color:#ffffff;">Mon espace</span></a></nav></app-desktop-header-action-button></div></div><app-desktop-header-second-line _ngcontent-sc44="" _nghost-sc43=""><nav _ngcontent-sc43="" role="navigation" aria-label="Menu principal" class="menu"><ul _ngcontent-sc43="" class="menu-list-item"><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">COMPTES ET CARTES <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/compte-bancaire" aria-label="Menu Comptes bancaires" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Comptes bancaires</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Ouvrez votre compte bancaire LCL en ligne et sélectionnez vos services…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/appli-mobile-banque" aria-label="Menu Applications mobiles" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Applications mobiles</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">LCL Mes Comptes, LCL Bourse, LCL Assurances, Ma Protection Maison ...</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/lcl-et-les-magazines-uni-medias" aria-label="Menu Nos magazines" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Nos magazines</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Découvrez nos abonnements magazines sur la santé, la famille, la cuisine…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/cartes-bancaires" aria-label="Menu Cartes bancaires" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Cartes bancaires</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Choisissez la carte bancaire qui correspond à vos besoins</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/paiement-mobile" aria-label="Menu Paiement mobile" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Paiement mobile</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Apple Pay, Wero, Paiement Mobile LCL pour Android</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li></ul></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">EPARGNER <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/epargne-responsable" aria-label="Menu Epargne responsable" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Epargne responsable</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Découvrez nos gammes LCL Impact Climat et LCL Impact Sociétal et Solidaire</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurance-vie" aria-label="Menu Assurance vie et retraite" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurance vie et retraite</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">LCL Vie, LCL Vie Jeune, LCL Retraite PER</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/mandats-de-gestion" aria-label="Menu Les mandats de gestion" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Les mandats de gestion</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Confiez la gestion de vos avoirs à nos experts</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/livrets-epargne-logement" aria-label="Menu Livrets et épargne logement" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Livrets et épargne logement</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Livret A, Livret Jeune, LDDS, Livret Cerise, Compte sur Livret, PEL, CEL…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/bourse" aria-label="Menu Bourse" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Bourse</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">PEA, PEA PME et ETI, Gestion sous mandat, nos Fonds</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/autres-placements" aria-label="Menu SCPI, FCPI, immobilier…" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">SCPI, FCPI, immobilier…</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Diversifiez vos placements, votre patrimoine et autres investissements</p></div></a></cb-cta-link></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" 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with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/prets-immobiliers" aria-label="Menu Prêts immobiliers" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Prêts immobiliers</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Réaliser un premier achat, revendre pour acheter, acheter pour louer...</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/solutions-responsables-et-durables" aria-label="Menu Solutions responsables" 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voyages et même les imprévus</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="product-page" class="item" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/prets-immobiliers/angle-neuf-investissement-immobilier" aria-label="Menu Immobilier Neuf" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Immobilier Neuf</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Investir dans l'immobilier neuf avec Angle Neuf, filiale 100% LCL</p></div></a></cb-cta-link></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" 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logement</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/proteger-moi-et-ma-famille" aria-label="Menu Me protéger moi et ma famille" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Me protéger moi et ma famille</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Me protéger moi et mes proches en cas d'accident ou perte d'autonomie</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-mon-bateau-caravane-remorque" aria-label="Menu Assurer mes autres biens" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mes autres biens</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Naviguez et déplacez vous en toute sérénité</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-vehicule" aria-label="Menu Assurer mon véhicule" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mon véhicule</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Protéger mon véhicule en cas d'accident, m'assurer en tant que conducteur</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-quotidien" aria-label="Menu Assurer mon quotidien" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mon quotidien</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Me protéger dans ma vie quotidienne et assurer mes biens</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurance-prevention" aria-label="Menu Me prémunir contre les risques" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Me prémunir contre les risques</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Etre sensibilisé et informé pour réduire les risques du quotidien</p></div></a></cb-cta-link></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="product-page" class="item" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/mag" aria-label="Menu Le Mag" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Le Mag</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Tous nos articles sur l’épargne, l'immobilier, les étudiants, la…</p></div></a></cb-cta-link></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" 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aria-label="Menu Simulation Crédit Consommation" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulation Crédit Consommation</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Simuler votre crédit consommation en ligne</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulation-livret-epargne" aria-label="Menu Simulateurs d'épargne" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulateurs d'épargne</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Calculer les intérêts et le rendement de votre épargne</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/devis-et-souscription-en-ligne" aria-label="Menu Devis et Souscription en ligne" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Devis et Souscription en ligne</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Découvrez nos produits et services souscriptibles 100% en ligne</p></div></a></cb-cta-link></li></ul></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head 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width="70" class="ng-star-inserted"></a><app-desktop-header-second-line _ngcontent-sc44="" _nghost-sc43=""><nav _ngcontent-sc43="" role="navigation" aria-label="Menu principal" class="menu"><ul _ngcontent-sc43="" class="menu-list-item"><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">COMPTES ET CARTES <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle inStickyHeader ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/compte-bancaire" aria-label="Menu Comptes bancaires" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Comptes bancaires</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Ouvrez votre compte bancaire LCL en ligne et sélectionnez vos services…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/appli-mobile-banque" aria-label="Menu Applications mobiles" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Applications mobiles</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">LCL Mes Comptes, LCL Bourse, LCL Assurances, Ma Protection Maison ...</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/lcl-et-les-magazines-uni-medias" aria-label="Menu Nos magazines" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Nos magazines</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Découvrez nos abonnements magazines sur la santé, la famille, la cuisine…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/cartes-bancaires" aria-label="Menu Cartes bancaires" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Cartes bancaires</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Choisissez la carte bancaire qui correspond à vos besoins</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/paiement-mobile" aria-label="Menu Paiement mobile" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Paiement mobile</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Apple Pay, Wero, Paiement Mobile LCL pour Android</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li></ul></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">EPARGNER <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle inStickyHeader ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/epargne-responsable" aria-label="Menu Epargne responsable" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Epargne responsable</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Découvrez nos gammes LCL Impact Climat et LCL Impact Sociétal et Solidaire</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurance-vie" aria-label="Menu Assurance vie et retraite" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurance vie et retraite</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">LCL Vie, LCL Vie Jeune, LCL Retraite PER</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/mandats-de-gestion" aria-label="Menu Les mandats de gestion" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Les mandats de gestion</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Confiez la gestion de vos avoirs à nos experts</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/livrets-epargne-logement" aria-label="Menu Livrets et épargne logement" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Livrets et épargne logement</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Livret A, Livret Jeune, LDDS, Livret Cerise, Compte sur Livret, PEL, CEL…</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/bourse" aria-label="Menu Bourse" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Bourse</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">PEA, PEA PME et ETI, Gestion sous mandat, nos Fonds</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/autres-placements" aria-label="Menu SCPI, FCPI, immobilier…" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">SCPI, FCPI, immobilier…</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Diversifiez vos placements, votre patrimoine et autres investissements</p></div></a></cb-cta-link></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="product-page" class="item" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/mag" aria-label="Menu Le Mag" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Le Mag</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Tous nos articles sur l’épargne, l'immobilier, les étudiants, la…</p></div></a></cb-cta-link></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">EMPRUNTER <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle inStickyHeader ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/prets-immobiliers" aria-label="Menu Prêts immobiliers" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Prêts immobiliers</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Réaliser un premier achat, revendre pour acheter, acheter pour louer...</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/solutions-responsables-et-durables" aria-label="Menu Solutions responsables" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Solutions responsables</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Vous accompagner dans vos initiatives durables, et solidaires.</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/credits-consommation" aria-label="Menu Crédits à la consommation" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Crédits à la consommation</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Financer mes projets auto, travaux, études, voyages et même les imprévus</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="product-page" class="item" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/prets-immobiliers/angle-neuf-investissement-immobilier" aria-label="Menu Immobilier Neuf" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Immobilier Neuf</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Investir dans l'immobilier neuf avec Angle Neuf, filiale 100% LCL</p></div></a></cb-cta-link></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">S'ASSURER <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle inStickyHeader ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-habitation" aria-label="Menu Assurer mon habitation" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mon habitation</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Propriétaire ou locataire, une protection sur mesure pour mon logement</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/proteger-moi-et-ma-famille" aria-label="Menu Me protéger moi et ma famille" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Me protéger moi et ma famille</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Me protéger moi et mes proches en cas d'accident ou perte d'autonomie</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-mon-bateau-caravane-remorque" aria-label="Menu Assurer mes autres biens" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mes autres biens</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Naviguez et déplacez vous en toute sérénité</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-vehicule" aria-label="Menu Assurer mon véhicule" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mon véhicule</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Protéger mon véhicule en cas d'accident, m'assurer en tant que conducteur</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurer-quotidien" aria-label="Menu Assurer mon quotidien" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurer mon quotidien</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Me protéger dans ma vie quotidienne et assurer mes biens</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/assurance-prevention" aria-label="Menu Me prémunir contre les risques" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Me prémunir contre les risques</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Etre sensibilisé et informé pour réduire les risques du quotidien</p></div></a></cb-cta-link></li></ul></div><div _ngcontent-sc41="" class="mag ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="product-page" class="item" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/mag" aria-label="Menu Le Mag" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Le Mag</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Tous nos articles sur l’épargne, l'immobilier, les étudiants, la…</p></div></a></cb-cta-link></div></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted" href="https://www.lcl.fr/angle-neuf">IMMOBILIER NEUF <div _ngcontent-sc41="" class="arrow-icon hideArrowIcon"></div></a></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted" href="/espace-jeunes" target="_self">ESPACE JEUNES <div _ngcontent-sc41="" class="arrow-icon hideArrowIcon"></div></a></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted" href="/solutions-responsables-et-durables" target="_self">SOLUTIONS RESPONSABLES <div _ngcontent-sc41="" class="arrow-icon hideArrowIcon"></div></a></div></app-desktop-header-menu-item></li><li _ngcontent-sc43="" class="menu-item ng-star-inserted"><app-desktop-header-menu-item _ngcontent-sc43="" _nghost-sc41=""><div _ngcontent-sc41="" class="flex-container"><a _ngcontent-sc41="" analyticson="" class="head ng-star-inserted">SIMULATEURS ET DEVIS <div _ngcontent-sc41="" class="arrow-icon"></div></a></div><div _ngcontent-sc41="" class="megamenu toggle inStickyHeader ng-star-inserted"><div _ngcontent-sc41="" class="megamenu-wrapper"><ul _ngcontent-sc41="" class="grid-container with-3-column"><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulation-pret-immobilier" aria-label="Menu Simulation Prêt Immobilier" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulation Prêt Immobilier</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Simuler votre prêt immobilier en ligne</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulation-assurance-habitation-devis-assurance-auto" aria-label="Menu Simulation et Devis Assurances" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulation et Devis Assurances</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Obtenez un devis pour votre assurance</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulateurs-et-devis" aria-label="Menu Tous nos simulateurs et Devis" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Tous nos simulateurs et Devis</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Réalisez vos simulations et devis en ligne en quelques clics</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulation-credit-consommation-simulateur-pret" aria-label="Menu Simulation Crédit Consommation" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulation Crédit Consommation</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Simuler votre crédit consommation en ligne</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/simulation-livret-epargne" aria-label="Menu Simulateurs d'épargne" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Simulateurs d'épargne</span></div></div><div _ngcontent-sc24="" class="content"><p _ngcontent-sc41="">Calculer les intérêts et le rendement de votre épargne</p></div></a></cb-cta-link></li><li _ngcontent-sc41="" class="grid-row ng-star-inserted"><cb-cta-link _ngcontent-sc41="" type="landing-universe" class="item ng-star-inserted" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--landing-universe" href="/devis-et-souscription-en-ligne" aria-label="Menu Devis et Souscription en ligne" target="_self"><div _ngcontent-sc24="" 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_nghost-sc59="" class="ng-star-inserted"><nav _ngcontent-sc59="" role="navigation" aria-label="Vous êtes ici :" class="breadcrumb"><ul _ngcontent-sc59="" class="container ng-star-inserted"><li _ngcontent-sc59="" class="link-block ng-star-inserted"><a _ngcontent-sc59="" class="link-item" data-label="Accueil" href="/"><span _ngcontent-sc59="" class="label">Accueil</span></a></li><li _ngcontent-sc59="" class="link-block ng-star-inserted"><a _ngcontent-sc59="" class="link-item" data-label="Crédits à la consommation" href="/credits-consommation"><span _ngcontent-sc59="" class="label">Crédits à la consommation</span></a></li><li _ngcontent-sc59="" class="link-block ng-star-inserted"><a _ngcontent-sc59="" class="link-item" data-label="Crédit renouvelable" href="/credits-consommation/credit-renouvelable"><span _ngcontent-sc59="" class="label">Crédit renouvelable</span></a></li></ul></nav><app-json-ld _ngcontent-sc59="" class="ng-star-inserted"><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@type":"Thing","@id":"https://www.lcl.fr/","name":"Accueil"}},{"@type":"ListItem","position":2,"item":{"@type":"Thing","@id":"https://www.lcl.fr/credits-consommation","name":"Crédits à la consommation"}},{"@type":"ListItem","position":3,"item":{"@type":"Thing","@id":"https://www.lcl.fr/credits-consommation/credit-renouvelable","name":"Crédit renouvelable"}}]}</script></app-json-ld></cb-breadcrumb><dynamic-page _ngcontent-sc78="" class="ng-star-inserted"><cb-slices _nghost-sc63="" class="ng-star-inserted"><slice-hero _nghost-sc242="" class="ng-star-inserted"><div _ngcontent-sc242="" class="wrapper ng-star-inserted" style="padding-top:NaNpx;"><cb-fullwidth-background _ngcontent-sc242="" class="background" _nghost-sc196="" style="background-image:;"></cb-fullwidth-background><div _ngcontent-sc242="" class="content"><h1 _ngcontent-sc242="" class="title">Crédit renouvelable</h1><h2 _ngcontent-sc242="" class="subtitle">Une enveloppe disponible utilisable à tout moment</h2><div _ngcontent-sc242="" class="description ng-star-inserted"><p><strong>Solution Crédit Renouvelable est un crédit qui vous permet de disposer d'une certaine somme d'argent utilisable à tout moment. Cette somme se reconstitue au fur et à mesure de vos remboursements.</strong></p></div><div _ngcontent-sc242="" class="buttons"><cb-cta-btn-link _ngcontent-sc242="" type="primary" class="cta-button ng-star-inserted" _nghost-sc39=""><a _ngcontent-sc39="" analyticson="" class="cta-btn-link a11y-focus cta-btn-link--primary ng-star-inserted" style="background-color:;" href="/simulateurs-et-devis/simulateur-credit-renouvelable" target="_self"><div _ngcontent-sc39="" class="label"><span _ngcontent-sc39="" class="label-text">Simulation Crédit Renouvelable</span><div _ngcontent-sc39="" class="label-icon ng-star-inserted" style="background-color:#ffffff;"></div></div></a></cb-cta-btn-link></div></div></div></slice-hero><slice-characteristics-keys _nghost-sc226="" class="ng-star-inserted"><cb-mini-title _ngcontent-sc226="" class="mini-title ng-star-inserted" _nghost-sc217=""><div _ngcontent-sc217="" class="mini-title withFrame"><span _ngcontent-sc217="" class="cb-mini-title_title">Caractéristiques du Crédit renouvelable</span></div></cb-mini-title><div _ngcontent-sc226="" class="list-features ng-star-inserted"><div _ngcontent-sc226="" class="feature ng-star-inserted"><div _ngcontent-sc226="" class="title">Montants</div><div _ngcontent-sc226="" class="text"><p>De 1 000 €</p><p>à 21 500 €</p></div></div><div _ngcontent-sc226="" class="feature ng-star-inserted"><div _ngcontent-sc226="" class="title">Durée</div><div _ngcontent-sc226="" class="text"><p>12 mois </p><p>renouvelables</p></div></div><div _ngcontent-sc226="" class="feature ng-star-inserted"><div _ngcontent-sc226="" class="title">Frais de dossier</div><div _ngcontent-sc226="" class="text"><p>Gratuit</p></div></div></div></slice-characteristics-keys><slice-mention-credit _nghost-sc245="" class="ng-star-inserted"><div _ngcontent-sc245="" class="mention-credit ng-star-inserted"><div class="text-center">Un crédit vous engage et doit être remboursé. <br>Vérifiez votre capacité de remboursement avant de vous engager.</div></div></slice-mention-credit><slice-credit-example _nghost-sc238="" class="ng-star-inserted"><div _ngcontent-sc238="" class="content-medium ng-star-inserted"><h3 _ngcontent-sc238="">Exemple pour des taux en vigueur au 01/11/2024 et susceptibles de variations :</h3><div _ngcontent-sc238="" class="text"><p>Pour un contrat solution crédit renouvelable d'un montant total de 3 000 € utilisé en totalité et en une fois le 01/11/2024 et sans réutilisation (d'une durée d'un an renouvelable), avec une mensualité le 1er du mois et une durée de remboursement de 36 mois (Durée de remboursement maximale prévue par le contrat). <strong>Taux Annuel Effectif Global révisable de 16,900 % </strong>(taux débiteur révisable 15,717 %), vous remboursez, <strong>35 échéances de 106 € et une dernière ajustée de  61,26€ </strong>(échéances hors assurance facultative) soit un <strong>montant total dû de 3 771,26€</strong>(dont €771,26€ d'intérêts, hors assurance facultative, pas de frais de dossier). Le coût de l'assurance facultative s'élève à 10 € maximum par mois (soit pour la 1ère échéance) et sera compris dans votre échéance de remboursement du crédit (si vous y adhérez)(1). Le montant total dû par l'emprunteur au titre de l'assurance, sur la durée totale du prêt sera de : 199,37 € pour un Taux Annuel Effectif de l'Assurance (TAEA) de 4,693 %.</p><p><strong>Un crédit vous engage et doit être remboursé. Vérifiez vos capacités de remboursement avant de vous engager.</strong></p></div><div _ngcontent-sc238="" class="legal"></div></div></slice-credit-example><slice-section-text _nghost-sc281="" class="ng-star-inserted"><cb-mini-title _ngcontent-sc281="" class="title ng-star-inserted" _nghost-sc217=""><div _ngcontent-sc217="" class="mini-title withFrame"><span _ngcontent-sc217="" class="cb-mini-title_title">FAQ crédit renouvelable</span></div></cb-mini-title><div _ngcontent-sc281="" class="section-text ng-star-inserted"><h2 _ngcontent-sc281="" class="subtitle"> </h2></div></slice-section-text><slice-faq-accordion _nghost-sc239="" class="ng-star-inserted"><ui-expansion-list _ngcontent-sc239="" id="faq" class="ui-expansion-list"><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-2 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21736" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-8 ng-tns-c72-2 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21736" aria-controls="cdk-accordion-child-21736" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-8"> Pourquoi souscrire à un crédit renouvelable ? </div><div class="ui-expansion-header-indicator ng-tns-c79-8 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-8"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-2 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21736" aria-labelledby="ui-expansion-header-21736" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-2"><div _ngcontent-sc239="" class="answer ng-tns-c72-2"><ul><li>Vous pouvez utiliser votre <strong>Crédit Renouvelable</strong> <strong>pour financer des achats, des petits travaux, des vacances ou gérer des dépenses imprévues</strong>.</li><li>Votre <strong>Crédit Renouvelable ne vous coûte rien tant qu'il n'est pas utilisé</strong>. De plus, la souscription à Solution Crédit Renouvelable est gratuite.</li><li>Les mensualités sont adaptables à votre budget. Vous pouvez les modifier si vous le souhaitez.<sup>(1)</sup></li><li>Une fois les fonds mis à disposition, vous les utilisez sans aucun justificatif dans la limite du montant qui vous a été accordé.</li></ul><p><em>(1) Dans les limites et selon les modalités prévues au contrat. Plus la durée du crédit est longue, plus son coût augmente.</em></p></div></div></div></ui-expansion-panel><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-3 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21737" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-9 ng-tns-c72-3 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21737" aria-controls="cdk-accordion-child-21737" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-9"> Comment fonctionne un crédit renouvelable ? </div><div class="ui-expansion-header-indicator ng-tns-c79-9 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-9"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-3 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21737" aria-labelledby="ui-expansion-header-21737" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-3"><div _ngcontent-sc239="" class="answer ng-tns-c72-3"><ul><li><strong>Solution Crédit Renouvelable</strong> est réservé aux personnes âgées d'au moins 18 ans et suppose l'acceptation de votre dossier par LCL. Son montant, d'un <strong>maximum de 21 500 €</strong> , est défini en fonction de votre situation personnelle.</li><li>Ce crédit vous est accordé pour une année renouvelable. </li><li>Dès l'accord de votre conseiller ou de votre téléconseiller, votre crédit est mis en place le 15ème  jour suivant la signature de votre contrat ou le 8ème  jour si vous demandez sa mise en place anticipée.</li><li>Vous pouvez opter entre deux modes de remboursement<sup>(1)</sup> : vous fixez votre mensualité ou vous choisissez la mensualité standard, définie par LCL.</li><li>La somme disponible diminue à chacune de vos utilisations et se reconstitue au fur et à mesure de vos remboursements.</li><li>Vous pouvez utiliser votre Crédit Renouvelable en effectuant des virements vers votre compte de dépôt par téléphone, Internet, Smartphone, courrier ou en agence et aussi utiliser la <strong><a href="https://www.lcl.fr/cartes-bancaires/visa-credit-renouvelable" target="_self">carte Visa Crédit Renouvelable</a></strong><sup>(2)</sup> lors de vos paiements chez les commerçants et retraits d'espèces dans les distributeurs de billets.</li></ul><p><strong>Le + LCL :<br></strong>Vous pouvez bénéficier de l'option Souplesse de trésorerie<sup>(3)</sup>, qui permet d'effectuer, dans la limite du capital disponible, des virements automatiques depuis votre crédit renouvelable sur votre compte de dépôt, si celui-ci est débiteur au delà de votre autorisation de découvert.</p><p><em>(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.<br>(2) Carte bancaire internationale payante proposée en option. Offre valable dans les conditions et limites de vos contrats carte et crédits, sous réserve d'acceptation par LCL.<br>(3) Offre soumise à conditions - sous réserve d'acceptation par LCL.</em></p></div></div></div></ui-expansion-panel><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-4 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21738" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-10 ng-tns-c72-4 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21738" aria-controls="cdk-accordion-child-21738" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-10"> Comment est calculé le montant de mon crédit renouvelable ? </div><div class="ui-expansion-header-indicator ng-tns-c79-10 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-10"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-4 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21738" aria-labelledby="ui-expansion-header-21738" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-4"><div _ngcontent-sc239="" class="answer ng-tns-c72-4"><p>Le montant de votre crédit est défini en fonction de vos besoins et en tenant compte de vos revenus, de vos charges et de votre capacité de remboursement.</p></div></div></div></ui-expansion-panel><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-5 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21739" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-11 ng-tns-c72-5 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21739" aria-controls="cdk-accordion-child-21739" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-11"> Puis-je assurer mon crédit renouvelable ? </div><div class="ui-expansion-header-indicator ng-tns-c79-11 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-11"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-5 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21739" aria-labelledby="ui-expansion-header-21739" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-5"><div _ngcontent-sc239="" class="answer ng-tns-c72-5"><p>Oui, vous pouvez <a href="https://www.lcl.fr/proteger-moi-et-ma-famille/assurance-emprunteur-credit-consommation" target="_self">assurer votre Solution Crédit Renouvelable</a>. Cette assurance<sup>(1)</sup> est facultative. Son coût, calculé en fonction du capital restant dû, dépend donc des sommes utilisées. Vous avez le choix entre 2 options :  </p><ul><li>Décès, Perte totale et irréversible d'Autonomie et Arrêt de travail.</li><li>Décès, Perte totale et irréversible d'Autonomie, Arrêt de travail et Perte d'emploi.</li></ul><p><em>(1) L’assurance facultative emprunteur Crédit Renouvelable est assuré par CACI Vie et CACI Non-Vie - Succursales françaises de CACI Life DAC et CACI Non-Life DAC - Sociétés d’assurance de droit irlandais, et distribué par LCL. Conditions et événements garantis indiqués dans la Notice d’information du au contrat. Sous réserve d’acceptation par l’assureur. Le coût de l’assurance facultative est calculé en fonction du capital restant dû. Le coût repris ici est calculé sur la base des garanties Décès/Perte Totale et Irréversible d’Autonomie et Incapacité de travail pour un emprunteur seul. L’adhésion à l’assurance facultative augmente le coût total du crédit. La souscription à l'assurance facultative ne modifie pas le montant de l'échéance mais augmente le coût total du crédit et peut allonger la durée (dans la limite des durées maximum fixées par la réglementation).</em></p></div></div></div></ui-expansion-panel><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-6 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21740" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-12 ng-tns-c72-6 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21740" aria-controls="cdk-accordion-child-21740" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-12"> Puis-je choisir librement le montant de mes mensualités ? </div><div class="ui-expansion-header-indicator ng-tns-c79-12 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-12"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-6 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21740" aria-labelledby="ui-expansion-header-21740" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-6"><div _ngcontent-sc239="" class="answer ng-tns-c72-6"><p>Oui, vous avez le choix du montant de la mensualité<sup>(1)</sup> mais elle ne peut être inférieure à la mensualité standard, fixée par LCL, afin d'éviter des durées de remboursement trop longues.</p><p><em>(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.</em></p></div></div></div></ui-expansion-panel><ui-expansion-panel _ngcontent-sc239="" class="ng-tns-c72-7 ui-expansion-panel ng-star-inserted" aria-controls="cdk-accordion-child-21741" aria-expanded="false"><ui-expansion-header class="ng-tns-c79-13 ng-tns-c72-7 ui-expansion-header ng-star-inserted" role="button" id="ui-expansion-header-21741" aria-controls="cdk-accordion-child-21741" aria-expanded="false" style="cursor:pointer;"><div class="ui-expansion-header-title ng-tns-c79-13"> Ai-je le droit de changer d'avis ? </div><div class="ui-expansion-header-indicator ng-tns-c79-13 ng-trigger ng-trigger-indicatorRotate" style="transform:rotate(0);"><i class="ui-expansion-header-indicator-arrow ng-tns-c79-13"></i></div></ui-expansion-header><div role="region" class="ui-expansion-panel-content ng-tns-c72-7 ng-trigger ng-trigger-bodyExpansion" id="cdk-accordion-child-21741" aria-labelledby="ui-expansion-header-21741" style="height:0px;"><div class="ui-expansion-panel-body ng-tns-c72-7"><div _ngcontent-sc239="" class="answer ng-tns-c72-7"><p>Vous disposez d’un délai de rétractation de 14 jours calendaires révolus à compter de la date de signature du contrat de crédit pour revenir sur votre engagement.</p><p>Vous pourrez exercer votre droit de rétractation, sans avoir à justifier de motifs ni à supporter de pénalités, en renvoyant dans le délai imparti le bordereau attaché à l’offre ou tout autre écrit signé de votre main, soit à votre agence, soit à l’adresse qui vous sera indiquée sur le contrat ou le bordereau, celle-ci prévalant alors.</p></div></div></div></ui-expansion-panel></ui-expansion-list><app-json-ld _ngcontent-sc239="" class="ng-star-inserted"><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Pourquoi souscrire à un crédit renouvelable ?","acceptedAnswer":{"@type":"Answer","text":"<ul><li>Vous pouvez utiliser votre <strong>Crédit Renouvelable</strong> <strong>pour financer des achats, des petits travaux, des vacances ou gérer des dépenses imprévues</strong>.</li><li>Votre <strong>Crédit Renouvelable ne vous coûte rien tant qu'il n'est pas utilisé</strong>. De plus, la souscription à Solution Crédit Renouvelable est gratuite.</li><li>Les mensualités sont adaptables à votre budget. Vous pouvez les modifier si vous le souhaitez.<sup>(1)</sup></li><li>Une fois les fonds mis à disposition, vous les utilisez sans aucun justificatif dans la limite du montant qui vous a été accordé.</li></ul><p><em>(1) Dans les limites et selon les modalités prévues au contrat. Plus la durée du crédit est longue, plus son coût augmente.</em></p>"}},{"@type":"Question","name":"Comment fonctionne un crédit renouvelable ?","acceptedAnswer":{"@type":"Answer","text":"<ul><li><strong>Solution Crédit Renouvelable</strong> est réservé aux personnes âgées d'au moins 18 ans et suppose l'acceptation de votre dossier par LCL. Son montant, d'un <strong>maximum de 21 500 €</strong> , est défini en fonction de votre situation personnelle.</li><li>Ce crédit vous est accordé pour une année renouvelable. </li><li>Dès l'accord de votre conseiller ou de votre téléconseiller, votre crédit est mis en place le 15ème jour suivant la signature de votre contrat ou le 8ème jour si vous demandez sa mise en place anticipée.</li><li>Vous pouvez opter entre deux modes de remboursement<sup>(1)</sup> : vous fixez votre mensualité ou vous choisissez la mensualité standard, définie par LCL.</li><li>La somme disponible diminue à chacune de vos utilisations et se reconstitue au fur et à mesure de vos remboursements.</li><li>Vous pouvez utiliser votre Crédit Renouvelable en effectuant des virements vers votre compte de dépôt par téléphone, Internet, Smartphone, courrier ou en agence et aussi utiliser la <strong><a href='https://www.lcl.fr/cartes-bancaires/visa-credit-renouvelable' target='_self'>carte Visa Crédit Renouvelable</a></strong><sup>(2)</sup> lors de vos paiements chez les commerçants et retraits d'espèces dans les distributeurs de billets.</li></ul><p><strong>Le + LCL :<br /></strong>Vous pouvez bénéficier de l'option Souplesse de trésorerie<sup>(3)</sup>, qui permet d'effectuer, dans la limite du capital disponible, des virements automatiques depuis votre crédit renouvelable sur votre compte de dépôt, si celui-ci est débiteur au delà de votre autorisation de découvert.</p><p><em>(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.<br />(2) Carte bancaire internationale payante proposée en option. Offre valable dans les conditions et limites de vos contrats carte et crédits, sous réserve d'acceptation par LCL.<br />(3) Offre soumise à conditions - sous réserve d'acceptation par LCL.</em></p>"}},{"@type":"Question","name":"Comment est calculé le montant de mon crédit renouvelable ?","acceptedAnswer":{"@type":"Answer","text":"<p>Le montant de votre crédit est défini en fonction de vos besoins et en tenant compte de vos revenus, de vos charges et de votre capacité de remboursement.</p>"}},{"@type":"Question","name":"Puis-je assurer mon crédit renouvelable ?","acceptedAnswer":{"@type":"Answer","text":"<p>Oui, vous pouvez <a href='https://www.lcl.fr/proteger-moi-et-ma-famille/assurance-emprunteur-credit-consommation' target='_self'>assurer votre Solution Crédit Renouvelable</a>. Cette assurance<sup>(1)</sup> est facultative. Son coût, calculé en fonction du capital restant dû, dépend donc des sommes utilisées. Vous avez le choix entre 2 options : </p><ul><li>Décès, Perte totale et irréversible d'Autonomie et Arrêt de travail.</li><li>Décès, Perte totale et irréversible d'Autonomie, Arrêt de travail et Perte d'emploi.</li></ul><p><em>(1) L’assurance facultative emprunteur Crédit Renouvelable est assuré par CACI Vie et CACI Non-Vie - Succursales françaises de CACI Life DAC et CACI Non-Life DAC - Sociétés d’assurance de droit irlandais, et distribué par LCL. Conditions et événements garantis indiqués dans la Notice d’information du au contrat. Sous réserve d’acceptation par l’assureur. Le coût de l’assurance facultative est calculé en fonction du capital restant dû. Le coût repris ici est calculé sur la base des garanties Décès/Perte Totale et Irréversible d’Autonomie et Incapacité de travail pour un emprunteur seul. L’adhésion à l’assurance facultative augmente le coût total du crédit. La souscription à l'assurance facultative ne modifie pas le montant de l'échéance mais augmente le coût total du crédit et peut allonger la durée (dans la limite des durées maximum fixées par la réglementation).</em></p>"}},{"@type":"Question","name":"Puis-je choisir librement le montant de mes mensualités ?","acceptedAnswer":{"@type":"Answer","text":"<p>Oui, vous avez le choix du montant de la mensualité<sup>(1)</sup> mais elle ne peut être inférieure à la mensualité standard, fixée par LCL, afin d'éviter des durées de remboursement trop longues.</p><p><em>(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.</em></p>"}},{"@type":"Question","name":"Ai-je le droit de changer d'avis ?","acceptedAnswer":{"@type":"Answer","text":"<p>Vous disposez d’un délai de rétractation de 14 jours calendaires révolus à compter de la date de signature du contrat de crédit pour revenir sur votre engagement.</p><p>Vous pourrez exercer votre droit de rétractation, sans avoir à justifier de motifs ni à supporter de pénalités, en renvoyant dans le délai imparti le bordereau attaché à l’offre ou tout autre écrit signé de votre main, soit à votre agence, soit à l’adresse qui vous sera indiquée sur le contrat ou le bordereau, celle-ci prévalant alors.</p>"}}]}</script></app-json-ld></slice-faq-accordion><slice-section-text _nghost-sc281="" class="with-icon ng-star-inserted"><cb-mini-title _ngcontent-sc281="" class="title ng-star-inserted" _nghost-sc217=""><div _ngcontent-sc217="" class="mini-title withFrame"><span _ngcontent-sc217="" class="cb-mini-title_title">En complément</span></div></cb-mini-title><div _ngcontent-sc281="" class="section-text ng-star-inserted"><div _ngcontent-sc281="" class="icon ng-star-inserted"><img _ngcontent-sc281="" alt="La carte visa crédit renouvelable" src="https://images.prismic.io/portail-lcl-web%2F0efe097c-9036-487d-b453-83c22179adf8_icon-carte-dd.png?auto=compress,format"></div><h2 _ngcontent-sc281="" class="subtitle">Carte visa crédit renouvelable</h2><div _ngcontent-sc281="" class="description ng-star-inserted"><p><strong>Une <a href="/cartes-bancaires/visa-credit-renouvelable" target="_self">carte visa </a>pour utiliser mon crédit. </strong>Découvrez le fonctionnement de la <a href="/cartes-bancaires/visa-credit-renouvelable" target="_self">carte visa crédit renouvelable</a> et ses avantages.</p></div><cb-cta-btn-link _ngcontent-sc281="" class="cta-button ng-star-inserted" _nghost-sc39=""><a _ngcontent-sc39="" analyticson="" class="cta-btn-link a11y-focus cta-btn-link--primary ng-star-inserted" style="background-color:;" href="/cartes-bancaires/visa-credit-renouvelable" target="_self"><div _ngcontent-sc39="" class="label"><span _ngcontent-sc39="" class="label-text">Carte visa crédit renouvelable</span><div _ngcontent-sc39="" class="label-icon ng-star-inserted" style="background-color:#ffffff;"></div></div></a></cb-cta-btn-link></div></slice-section-text><slice-push-articles _nghost-sc271="" class="ng-star-inserted"><div _ngcontent-sc271="" class="content"><cb-mini-title _ngcontent-sc271="" _nghost-sc217="" class="ng-star-inserted"><div _ngcontent-sc217="" class="mini-title withFrame"><span _ngcontent-sc217="" class="cb-mini-title_title">Nos conseils</span></div></cb-mini-title><div _ngcontent-sc271="" class="mobile-only"><cb-article-thumbnail _ngcontent-sc271="" _nghost-sc250="" class="ng-star-inserted"><div _ngcontent-sc250="" class="article"><a _ngcontent-sc250="" class="link-with-image" href="/mag/budget/qu-est-ce-qu-un-credit-consommation"><div _ngcontent-sc250="" class="frame"><img _ngcontent-sc250="" class="picture" alt="Qu'est-ce qu'un crédit à la consommation ? LCL Banque et Assurance " src="https://images.prismic.io/portail-lcl-web/5b4ac134-7678-42ab-98d1-9107a5b366ac_Qu-est-ce-credit-consommation-Mag-LCL-Banque-Assurance-502x357.jpg?auto=compress,format&rect=0,0,502,357&w=502&h=357"></div><span _ngcontent-sc250="" class="article-title">Qu'est-ce qu'un crédit à la consommation ?</span></a><cb-article-info-bar _ngcontent-sc250="" _nghost-sc60=""><div _ngcontent-sc60="" class="subtitle"><div _ngcontent-sc60="" class="ng-star-inserted"><span _ngcontent-sc60="" class="ic-article"></span><time _ngcontent-sc60="" class="publish-on" datetime="2024-04-27T00:00:00.000Z">27/04/2024</time></div><div _ngcontent-sc60="" class="ng-star-inserted"><span _ngcontent-sc60="" class="dot"></span><span _ngcontent-sc60="" class="ic-eye"></span><span _ngcontent-sc60="" class="reading-time">1 min 30 s</span></div></div></cb-article-info-bar></div></cb-article-thumbnail></div><div _ngcontent-sc271="" class="desktop-only wrapper"><div _ngcontent-sc271="" class="article ng-star-inserted"><a _ngcontent-sc271="" class="picture link-with-image" href="/mag/budget/qu-est-ce-qu-un-credit-consommation"><span _ngcontent-sc271="" class="frame"><cb-scalable-img _ngcontent-sc271="" _nghost-sc247="" role="img" aria-label="Qu'est-ce qu'un crédit à la consommation ? LCL Banque et Assurance " style="background-position:;background-image:url(https://images.prismic.io/portail-lcl-web/5b4ac134-7678-42ab-98d1-9107a5b366ac_Qu-est-ce-credit-consommation-Mag-LCL-Banque-Assurance-502x357.jpg?auto=compress,format&rect=0,0,502,357&w=502&h=357);height:;width:;"></cb-scalable-img></span></a><div _ngcontent-sc271="" class="panel"><h3 _ngcontent-sc271="" class="title"><a _ngcontent-sc271="" class="" href="/mag/budget/qu-est-ce-qu-un-credit-consommation">Qu'est-ce qu'un crédit à la consommation ?</a></h3><div _ngcontent-sc271="" class="panel-body"><cb-article-info-bar _ngcontent-sc271="" _nghost-sc60=""><div _ngcontent-sc60="" class="subtitle"><div _ngcontent-sc60="" class="ng-star-inserted"><span _ngcontent-sc60="" class="ic-article"></span><time _ngcontent-sc60="" class="publish-on" datetime="2024-04-27T00:00:00.000Z">27/04/2024</time></div><div _ngcontent-sc60="" class="ng-star-inserted"><span _ngcontent-sc60="" class="dot"></span><span _ngcontent-sc60="" class="ic-eye"></span><span _ngcontent-sc60="" class="reading-time">1 min 30 s</span></div></div></cb-article-info-bar><div _ngcontent-sc271="" class="description"><p>Un crédit à la consommation est destiné à financer vos divers projets tels que l'achat d'un véhicule, d'un bien d'équipement, etc. Il existe différents types de crédits à la consommation : crédit lié à un achat (crédit affecté), prêt personnel, crédit renouvelable, location avec option d'achat…</p></div></div></div></div></div></div></slice-push-articles><slice-push-products _nghost-sc279="" class="ng-star-inserted"><ui-push-block _ngcontent-sc279="" class="ui-push-block ng-star-inserted"><ui-push-block-header _ngcontent-sc279="" aria-bg-gradient="false" class="ui-push-block-header" style="background:url(https://images.prismic.io/portail-lcl-web%2F94de0ed8-4cfa-4a72-a747-a0a0eceef392_push_produit.png?auto=compress,format&rect=546,0,481,451&w=320&h=300);"><h2 _ngcontent-sc279="">Nos autres produits</h2><p _ngcontent-sc279="">Ces produits peuvent aussi vous intéresser</p></ui-push-block-header><div class="ui-push-block-content"><ui-push-block-group _ngcontent-sc279="" class="ui-push-block-group ng-star-inserted" style="flex-grow:1;min-width:Infinity%;"><div class="title ng-star-inserted"> Crédit consommation </div><div class="ui-push-block-group-content"><ui-push-block-item _ngcontent-sc279="" class="ui-push-block-item ng-star-inserted"><cb-cta-link _ngcontent-sc279="" type="product-page" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/credits-consommation/pret-personnel" aria-label="Menu Solution Conso Budget" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Solution Conso Budget</span></div></div><div _ngcontent-sc24="" class="content"><div _ngcontent-sc279=""><p>Un prêt personnel pour financer ce que vous voulez</p></div></div></a></cb-cta-link></ui-push-block-item></div></ui-push-block-group><ui-push-block-group _ngcontent-sc279="" class="ui-push-block-group ng-star-inserted" style="flex-grow:1;min-width:Infinity%;"><div class="title ng-star-inserted"> Regrouper vos crédits </div><div class="ui-push-block-group-content"><ui-push-block-item _ngcontent-sc279="" class="ui-push-block-item ng-star-inserted"><cb-cta-link _ngcontent-sc279="" type="product-page" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/credits-consommation/regroupement-credits" aria-label="Menu Regroupement de crédit(s)" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Regroupement de crédit(s)</span></div></div><div _ngcontent-sc24="" class="content"><div _ngcontent-sc279=""><p>Un prêt personnel pour simplifier la gestion de votre budget</p></div></div></a></cb-cta-link></ui-push-block-item></div></ui-push-block-group><ui-push-block-group _ngcontent-sc279="" class="ui-push-block-group ng-star-inserted" style="flex-grow:1;min-width:Infinity%;"><div class="title ng-star-inserted"> Assurance Emprunteur </div><div class="ui-push-block-group-content"><ui-push-block-item _ngcontent-sc279="" class="ui-push-block-item ng-star-inserted"><cb-cta-link _ngcontent-sc279="" type="product-page" _nghost-sc24=""><a _ngcontent-sc24="" analyticson="" class="cta-link cta-link--product-page" href="/proteger-moi-et-ma-famille/assurance-emprunteur-credit-consommation" aria-label="Menu Assurance Emprunteur Conso" target="_self"><div _ngcontent-sc24="" class="header"><div _ngcontent-sc24="" class="label-wrapper"><span _ngcontent-sc24="" class="label">Assurance Emprunteur Conso</span></div></div><div _ngcontent-sc24="" class="content"><div _ngcontent-sc279=""><p>Une assurance pour sécuriser votre projet</p></div></div></a></cb-cta-link></ui-push-block-item></div></ui-push-block-group></div></ui-push-block></slice-push-products><slice-legal-mentions _nghost-sc244="" class="ng-star-inserted"><div _ngcontent-sc244="" class="legal-mentions ng-star-inserted"><div _ngcontent-sc244=""><p>Vous disposez d’un délai légal de rétractation de 14 jours calendaires révolus à compter de votre acceptation de l’offre pour revenir sur votre engagement.</p><p>(1) L’assurance facultative emprunteur Crédit Renouvelable est assuré par CACI Vie et CACI Non-Vie - Succursales françaises de CACI Life DAC et CACI Non-Life DAC - Sociétés d’assurance de droit irlandais, et distribué par LCL. Conditions et événements garantis indiqués dans la Notice d’information du au contrat. Sous réserve d’acceptation par l’assureur. Le coût de l’assurance facultative est calculé en fonction du capital restant dû. Le coût repris ici est calculé sur la base des garanties Décès/Perte Totale et Irréversible d’Autonomie et Incapacité de travail pour un emprunteur seul. L’adhésion à l’assurance facultative augmente le coût total du crédit. La souscription à l'assurance facultative ne modifie pas le montant de l'échéance mais augmente le coût total du crédit et peut allonger la durée (dans la limite des durées maximum fixées par la réglementation).</p><p>Prêteur : Crédit Lyonnais - SA au capital de 2 037 713 591 € - SIREN 954 509 741 - RCS Lyon - Société de courtage d'assurance immatriculée au registre des intermédiaires en assurance sous le numéro ORIAS : 07001878 - Siège social : 18 rue de la République, 69002 Lyon - Pour tout courrier : LCL, 20, avenue de Paris, 94811 Villejuif Cedex. </p></div></div></slice-legal-mentions></cb-slices><cb-push-banner uistickybottom="" _nghost-sc76="" class="sticky-bottom ng-star-inserted"><div _ngcontent-sc76="" class="wrapper"><div _ngcontent-sc76="" class="content"><span class="title">Intéressé par un Crédit Renouvelable ?</span><cb-cta-btn-link analyticson="" _nghost-sc39="" target="_self"><a _ngcontent-sc39="" analyticson="" class="cta-btn-link a11y-focus cta-btn-link--push-banner 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Renouvelable, simulation crédit : LCL Banque&q;,&q;description&q;:&q;Le crédit renouvelable LCL : jusqu&s;à 21 500€ pour vos dépenses imprévues, aucun frais en cas de non utilisation et des mensualités adaptés à votre budget.&q;,&q;robots&q;:&q;index, follow&q;,&q;canonical&q;:null,&q;openGraph&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.seo.openGraph&q;,&q;typename&q;:&q;OpenGraph&q;},&q;__typename&q;:&q;Seo&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.seo.openGraph&q;:{&q;title&q;:&q;Crédit Renouvelable, simulation crédit : LCL Banque&q;,&q;description&q;:&q;Le crédit renouvelable LCL : jusqu&s;à 21 500€ pour vos dépenses imprévues, aucun frais en cas de non utilisation et des mensualités adaptés à votre budget.&q;,&q;image&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.seo.openGraph.image&q;,&q;typename&q;:&q;Image&q;},&q;url&q;:null,&q;type&q;:&q;website&q;,&q;__typename&q;:&q;OpenGraph&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.seo.openGraph.image&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web/93264a4f-1f24-43b3-b690-e6e7fbc1d928_hero_credit_renouvelable_RS.jpg?auto=compress,format&a;rect=0,14,1200,600&a;w=1024&a;h=512&q;,&q;__typename&q;:&q;Image&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0&q;:{&q;type&q;:&q;hero&q;,&q;title&q;:&q;Crédit renouvelable&q;,&q;subtitle&q;:&q;Une enveloppe disponible utilisable à tout moment&q;,&q;image&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.image&q;,&q;typename&q;:&q;ImageWithMobile&q;},&q;description&q;:&q;&l;p&g;&l;strong&g;Solution Crédit Renouvelable est un crédit qui vous permet de disposer d&s;une certaine somme d&s;argent utilisable à tout moment. Cette somme se reconstitue au fur et à mesure de vos remboursements.&l;/strong&g;&l;/p&g;&q;,&q;buttons&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.buttons.0&q;,&q;typename&q;:&q;Button&q;}],&q;__typename&q;:&q;HeroSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.image&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web/e373a9f4acad800299a25c09f55e4dc6c146e9c6_hero_credit_renouvelable.jpg?auto=compress,format&q;,&q;alt&q;:&q;Crédit renouvelable, Simulation Crédit Renouvelable : LCL Banque et Assurance&q;,&q;mobile&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.image.mobile&q;,&q;typename&q;:&q;Image&q;},&q;__typename&q;:&q;ImageWithMobile&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.image.mobile&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web/e67693802987e94b1da76eb440f23fe2a44550a8_hero_credit_renouvelable_mobile.jpg?auto=compress,format&q;,&q;alt&q;:&q;Crédit renouvelable, Simulation Crédit Renouvelable : LCL Banque et Assurance&q;,&q;__typename&q;:&q;Image&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.0.buttons.0&q;:{&q;label&q;:&q;Simulation Crédit Renouvelable&q;,&q;url&q;:&q;/simulateurs-et-devis/simulateur-credit-renouvelable&q;,&q;target&q;:&q;_self&q;,&q;type&q;:&q;Document&q;,&q;button_color&q;:null,&q;label_color&q;:null,&q;label_size&q;:null,&q;__typename&q;:&q;Button&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1&q;:{&q;type&q;:&q;characteristics_keys&q;,&q;title&q;:&q;Caractéristiques du Crédit renouvelable&q;,&q;characteristicsKeys&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.0&q;,&q;typename&q;:&q;CharacteristicsKeysItem&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.1&q;,&q;typename&q;:&q;CharacteristicsKeysItem&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.2&q;,&q;typename&q;:&q;CharacteristicsKeysItem&q;}],&q;__typename&q;:&q;CharacteristicsKeysSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.0&q;:{&q;title&q;:&q;Montants&q;,&q;text&q;:&q;&l;p&g;De 1 000 €&l;/p&g;&l;p&g;à 21 500 €&l;/p&g;&q;,&q;__typename&q;:&q;CharacteristicsKeysItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.1&q;:{&q;title&q;:&q;Durée&q;,&q;text&q;:&q;&l;p&g;12 mois &l;/p&g;&l;p&g;renouvelables&l;/p&g;&q;,&q;__typename&q;:&q;CharacteristicsKeysItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.1.characteristicsKeys.2&q;:{&q;title&q;:&q;Frais de dossier&q;,&q;text&q;:&q;&l;p&g;Gratuit&l;/p&g;&q;,&q;__typename&q;:&q;CharacteristicsKeysItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.2&q;:{&q;type&q;:&q;mention_credit&q;,&q;description&q;:&q;&l;div class=text-center&g;Un crédit vous engage et doit être remboursé. &l;br /&g;Vérifiez votre capacité de remboursement avant de vous engager.&l;/div&g;&q;,&q;__typename&q;:&q;MentionCreditSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.3&q;:{&q;type&q;:&q;credit_example&q;,&q;title&q;:&q;Exemple pour des taux en vigueur au 01/11/2024 et susceptibles de variations :&q;,&q;richText&q;:&q;&l;p&g;Pour un contrat solution crédit renouvelable d&s;un montant total de 3 000 € utilisé en totalité et en une fois le 01/11/2024 et sans réutilisation (d&s;une durée d&s;un an renouvelable), avec une mensualité le 1er du mois et une durée de remboursement de 36 mois (Durée de remboursement maximale prévue par le contrat). &l;strong&g;Taux Annuel Effectif Global révisable de 16,900 % &l;/strong&g;(taux débiteur révisable 15,717 %), vous remboursez, &l;strong&g;35 échéances de 106 € et une dernière ajustée de 61,26€ &l;/strong&g;(échéances hors assurance facultative) soit un &l;strong&g;montant total dû de 3 771,26€&l;/strong&g;(dont €771,26€ d&s;intérêts, hors assurance facultative, pas de frais de dossier). Le coût de l&s;assurance facultative s&s;élève à 10 € maximum par mois (soit pour la 1ère échéance) et sera compris dans votre échéance de remboursement du crédit (si vous y adhérez)(1). Le montant total dû par l&s;emprunteur au titre de l&s;assurance, sur la durée totale du prêt sera de : 199,37 € pour un Taux Annuel Effectif de l&s;Assurance (TAEA) de 4,693 %.&l;/p&g;&l;p&g;&l;strong&g;Un crédit vous engage et doit être remboursé. Vérifiez vos capacités de remboursement avant de vous engager.&l;/strong&g;&l;/p&g;&q;,&q;legal&q;:null,&q;__typename&q;:&q;CreditExampleSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.4&q;:{&q;type&q;:&q;section_text&q;,&q;title&q;:&q;FAQ crédit renouvelable&q;,&q;description&q;:&q;&q;,&q;button&q;:null,&q;link&q;:null,&q;subtitle&q;:&q; &q;,&q;image&q;:null,&q;isLandingPageIframe&q;:null,&q;__typename&q;:&q;SectionTextSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5&q;:{&q;type&q;:&q;faq_accordion&q;,&q;anchor&q;:&q;faq&q;,&q;questions&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.0&q;,&q;typename&q;:&q;FaqQuestion&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.1&q;,&q;typename&q;:&q;FaqQuestion&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.2&q;,&q;typename&q;:&q;FaqQuestion&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.3&q;,&q;typename&q;:&q;FaqQuestion&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.4&q;,&q;typename&q;:&q;FaqQuestion&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.5&q;,&q;typename&q;:&q;FaqQuestion&q;}],&q;__typename&q;:&q;FaqAccordionSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.0&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Pourquoi souscrire à un crédit renouvelable ?&q;,&q;text&q;:&q;Pourquoi souscrire à un crédit renouvelable ?&q;,&q;answer&q;:&q;&l;ul&g;&l;li&g;Vous pouvez utiliser votre &l;strong&g;Crédit Renouvelable&l;/strong&g; &l;strong&g;pour financer des achats, des petits travaux, des vacances ou gérer des dépenses imprévues&l;/strong&g;.&l;/li&g;&l;li&g;Votre &l;strong&g;Crédit Renouvelable ne vous coûte rien tant qu&s;il n&s;est pas utilisé&l;/strong&g;. De plus, la souscription à Solution Crédit Renouvelable est gratuite.&l;/li&g;&l;li&g;Les mensualités sont adaptables à votre budget. Vous pouvez les modifier si vous le souhaitez.&l;sup&g;(1)&l;/sup&g;&l;/li&g;&l;li&g;Une fois les fonds mis à disposition, vous les utilisez sans aucun justificatif dans la limite du montant qui vous a été accordé.&l;/li&g;&l;/ul&g;&l;p&g;&l;em&g;(1) Dans les limites et selon les modalités prévues au contrat. Plus la durée du crédit est longue, plus son coût augmente.&l;/em&g;&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.1&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Comment fonctionne un crédit renouvelable ?&q;,&q;text&q;:&q;Comment fonctionne un crédit renouvelable ?&q;,&q;answer&q;:&q;&l;ul&g;&l;li&g;&l;strong&g;Solution Crédit Renouvelable&l;/strong&g; est réservé aux personnes âgées d&s;au moins 18 ans et suppose l&s;acceptation de votre dossier par LCL. Son montant, d&s;un &l;strong&g;maximum de 21 500 €&l;/strong&g; , est défini en fonction de votre situation personnelle.&l;/li&g;&l;li&g;Ce crédit vous est accordé pour une année renouvelable. &l;/li&g;&l;li&g;Dès l&s;accord de votre conseiller ou de votre téléconseiller, votre crédit est mis en place le 15ème jour suivant la signature de votre contrat ou le 8ème jour si vous demandez sa mise en place anticipée.&l;/li&g;&l;li&g;Vous pouvez opter entre deux modes de remboursement&l;sup&g;(1)&l;/sup&g; : vous fixez votre mensualité ou vous choisissez la mensualité standard, définie par LCL.&l;/li&g;&l;li&g;La somme disponible diminue à chacune de vos utilisations et se reconstitue au fur et à mesure de vos remboursements.&l;/li&g;&l;li&g;Vous pouvez utiliser votre Crédit Renouvelable en effectuant des virements vers votre compte de dépôt par téléphone, Internet, Smartphone, courrier ou en agence et aussi utiliser la &l;strong&g;&l;a href=&s;https://www.lcl.fr/cartes-bancaires/visa-credit-renouvelable&s; target=&s;_self&s;&g;carte Visa Crédit Renouvelable&l;/a&g;&l;/strong&g;&l;sup&g;(2)&l;/sup&g; lors de vos paiements chez les commerçants et retraits d&s;espèces dans les distributeurs de billets.&l;/li&g;&l;/ul&g;&l;p&g;&l;strong&g;Le + LCL :&l;br /&g;&l;/strong&g;Vous pouvez bénéficier de l&s;option Souplesse de trésorerie&l;sup&g;(3)&l;/sup&g;, qui permet d&s;effectuer, dans la limite du capital disponible, des virements automatiques depuis votre crédit renouvelable sur votre compte de dépôt, si celui-ci est débiteur au delà de votre autorisation de découvert.&l;/p&g;&l;p&g;&l;em&g;(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.&l;br /&g;(2) Carte bancaire internationale payante proposée en option. Offre valable dans les conditions et limites de vos contrats carte et crédits, sous réserve d&s;acceptation par LCL.&l;br /&g;(3) Offre soumise à conditions - sous réserve d&s;acceptation par LCL.&l;/em&g;&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.2&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Comment est calculé le montant de mon crédit renouvelable ?&q;,&q;text&q;:&q;Comment est calculé le montant de mon crédit renouvelable ?&q;,&q;answer&q;:&q;&l;p&g;Le montant de votre crédit est défini en fonction de vos besoins et en tenant compte de vos revenus, de vos charges et de votre capacité de remboursement.&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.3&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Puis-je assurer mon crédit renouvelable ?&q;,&q;text&q;:&q;Puis-je assurer mon crédit renouvelable ?&q;,&q;answer&q;:&q;&l;p&g;Oui, vous pouvez &l;a href=&s;https://www.lcl.fr/proteger-moi-et-ma-famille/assurance-emprunteur-credit-consommation&s; target=&s;_self&s;&g;assurer votre Solution Crédit Renouvelable&l;/a&g;. Cette assurance&l;sup&g;(1)&l;/sup&g; est facultative. Son coût, calculé en fonction du capital restant dû, dépend donc des sommes utilisées. Vous avez le choix entre 2 options : &l;/p&g;&l;ul&g;&l;li&g;Décès, Perte totale et irréversible d&s;Autonomie et Arrêt de travail.&l;/li&g;&l;li&g;Décès, Perte totale et irréversible d&s;Autonomie, Arrêt de travail et Perte d&s;emploi.&l;/li&g;&l;/ul&g;&l;p&g;&l;em&g;(1) L’assurance facultative emprunteur Crédit Renouvelable est assuré par CACI Vie et CACI Non-Vie - Succursales françaises de CACI Life DAC et CACI Non-Life DAC - Sociétés d’assurance de droit irlandais, et distribué par LCL. Conditions et événements garantis indiqués dans la Notice d’information du au contrat. Sous réserve d’acceptation par l’assureur. Le coût de l’assurance facultative est calculé en fonction du capital restant dû. Le coût repris ici est calculé sur la base des garanties Décès/Perte Totale et Irréversible d’Autonomie et Incapacité de travail pour un emprunteur seul. L’adhésion à l’assurance facultative augmente le coût total du crédit. La souscription à l&s;assurance facultative ne modifie pas le montant de l&s;échéance mais augmente le coût total du crédit et peut allonger la durée (dans la limite des durées maximum fixées par la réglementation).&l;/em&g;&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.4&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Puis-je choisir librement le montant de mes mensualités ?&q;,&q;text&q;:&q;Puis-je choisir librement le montant de mes mensualités ?&q;,&q;answer&q;:&q;&l;p&g;Oui, vous avez le choix du montant de la mensualité&l;sup&g;(1)&l;/sup&g; mais elle ne peut être inférieure à la mensualité standard, fixée par LCL, afin d&s;éviter des durées de remboursement trop longues.&l;/p&g;&l;p&g;&l;em&g;(1) Selon les conditions prévues dans votre contrat en fonction de votre capacité de remboursement et dans la limite du remboursement minimum obligatoire.&l;/em&g;&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.5.questions.5&q;:{&q;name&q;:&q;FAQ Crédit Renouvelable - Ai-je le droit de changer d&s;avis ?&q;,&q;text&q;:&q;Ai-je le droit de changer d&s;avis ?&q;,&q;answer&q;:&q;&l;p&g;Vous disposez d’un délai de rétractation de 14 jours calendaires révolus à compter de la date de signature du contrat de crédit pour revenir sur votre engagement.&l;/p&g;&l;p&g;Vous pourrez exercer votre droit de rétractation, sans avoir à justifier de motifs ni à supporter de pénalités, en renvoyant dans le délai imparti le bordereau attaché à l’offre ou tout autre écrit signé de votre main, soit à votre agence, soit à l’adresse qui vous sera indiquée sur le contrat ou le bordereau, celle-ci prévalant alors.&l;/p&g;&q;,&q;__typename&q;:&q;FaqQuestion&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.6&q;:{&q;type&q;:&q;section_text&q;,&q;title&q;:&q;En complément&q;,&q;description&q;:&q;&l;p&g;&l;strong&g;Une &l;a href=&s;/cartes-bancaires/visa-credit-renouvelable&s; target=&s;_self&s;&g;carte visa &l;/a&g;pour utiliser mon crédit. &l;/strong&g;Découvrez le fonctionnement de la &l;a href=&s;/cartes-bancaires/visa-credit-renouvelable&s; target=&s;_self&s;&g;carte visa crédit renouvelable&l;/a&g; et ses avantages.&l;/p&g;&q;,&q;button&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.6.button&q;,&q;typename&q;:&q;Button&q;},&q;link&q;:null,&q;subtitle&q;:&q;Carte visa crédit renouvelable&q;,&q;image&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.6.image&q;,&q;typename&q;:&q;ImageWithMobile&q;},&q;isLandingPageIframe&q;:null,&q;__typename&q;:&q;SectionTextSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.6.button&q;:{&q;label&q;:&q;Carte visa crédit renouvelable&q;,&q;url&q;:&q;/cartes-bancaires/visa-credit-renouvelable&q;,&q;target&q;:&q;_self&q;,&q;type&q;:&q;Document&q;,&q;button_color&q;:null,&q;label_color&q;:null,&q;label_size&q;:null,&q;__typename&q;:&q;Button&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.6.image&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web%2F0efe097c-9036-487d-b453-83c22179adf8_icon-carte-dd.png?auto=compress,format&q;,&q;alt&q;:&q;La carte visa crédit renouvelable&q;,&q;mobile&q;:null,&q;__typename&q;:&q;ImageWithMobile&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.7&q;:{&q;type&q;:&q;push_articles&q;,&q;title&q;:&q;Nos conseils&q;,&q;pushArticles&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.7.pushArticles.0&q;,&q;typename&q;:&q;ArticleHead&q;}],&q;__typename&q;:&q;PushArticlesSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.7.pushArticles.0&q;:{&q;title&q;:&q;Qu&s;est-ce qu&s;un crédit à la consommation ?&q;,&q;type&q;:&q;article&q;,&q;readingTime&q;:&q;1 min 30 s&q;,&q;image&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.7.pushArticles.0.image&q;,&q;typename&q;:&q;ImageWithMobile&q;},&q;publishOn&q;:&q;2024-04-27T00:00:00.000Z&q;,&q;url&q;:&q;/mag/budget/qu-est-ce-qu-un-credit-consommation&q;,&q;description&q;:&q;&l;p&g;Un crédit à la consommation est destiné à financer vos divers projets tels que l&s;achat d&s;un véhicule, d&s;un bien d&s;équipement, etc. Il existe différents types de crédits à la consommation : crédit lié à un achat (crédit affecté), prêt personnel, crédit renouvelable, location avec option d&s;achat…&l;/p&g;&q;,&q;__typename&q;:&q;ArticleHead&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.7.pushArticles.0.image&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web/5b4ac134-7678-42ab-98d1-9107a5b366ac_Qu-est-ce-credit-consommation-Mag-LCL-Banque-Assurance-502x357.jpg?auto=compress,format&a;rect=0,0,502,357&a;w=502&a;h=357&q;,&q;alt&q;:&q;Qu&s;est-ce qu&s;un crédit à la consommation ? LCL Banque et Assurance &q;,&q;__typename&q;:&q;ImageWithMobile&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8&q;:{&q;type&q;:&q;push_products&q;,&q;title&q;:&q;Nos autres produits&q;,&q;description&q;:&q;Ces produits peuvent\naussi vous intéresser&q;,&q;image&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.image&q;,&q;typename&q;:&q;ImageWithMobile&q;},&q;pushProductsGroups&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.0&q;,&q;typename&q;:&q;PushProductsGroup&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.1&q;,&q;typename&q;:&q;PushProductsGroup&q;},{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.2&q;,&q;typename&q;:&q;PushProductsGroup&q;}],&q;__typename&q;:&q;PushProductsSlice&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.image&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web%2F94de0ed8-4cfa-4a72-a747-a0a0eceef392_push_produit.png?auto=compress,format&a;rect=0,0,1070,451&a;w=1070&a;h=451&q;,&q;alt&q;:&q;Nos autres produits : LCL Banque et Assurance&q;,&q;mobile&q;:{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.image.mobile&q;,&q;typename&q;:&q;Image&q;},&q;__typename&q;:&q;ImageWithMobile&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.image.mobile&q;:{&q;url&q;:&q;https://images.prismic.io/portail-lcl-web%2F94de0ed8-4cfa-4a72-a747-a0a0eceef392_push_produit.png?auto=compress,format&a;rect=546,0,481,451&a;w=320&a;h=300&q;,&q;alt&q;:&q;Nos autres produits : LCL Banque et Assurance&q;,&q;__typename&q;:&q;Image&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.0&q;:{&q;title&q;:&q;Crédit consommation&q;,&q;products&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.0.products.0&q;,&q;typename&q;:&q;LinkProductBlockItem&q;}],&q;__typename&q;:&q;PushProductsGroup&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.0.products.0&q;:{&q;label&q;:&q;Solution Conso Budget&q;,&q;description&q;:&q;&l;p&g;Un prêt personnel pour financer ce que vous voulez&l;/p&g;&q;,&q;url&q;:&q;/credits-consommation/pret-personnel&q;,&q;__typename&q;:&q;LinkProductBlockItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.1&q;:{&q;title&q;:&q;Regrouper vos crédits&q;,&q;products&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.1.products.0&q;,&q;typename&q;:&q;LinkProductBlockItem&q;}],&q;__typename&q;:&q;PushProductsGroup&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.1.products.0&q;:{&q;label&q;:&q;Regroupement de crédit(s)&q;,&q;description&q;:&q;&l;p&g;Un prêt personnel pour simplifier la gestion de votre budget&l;/p&g;&q;,&q;url&q;:&q;/credits-consommation/regroupement-credits&q;,&q;__typename&q;:&q;LinkProductBlockItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.2&q;:{&q;title&q;:&q;Assurance Emprunteur&q;,&q;products&q;:[{&q;type&q;:&q;id&q;,&q;generated&q;:true,&q;id&q;:&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.2.products.0&q;,&q;typename&q;:&q;LinkProductBlockItem&q;}],&q;__typename&q;:&q;PushProductsGroup&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.8.pushProductsGroups.2.products.0&q;:{&q;label&q;:&q;Assurance Emprunteur Conso&q;,&q;description&q;:&q;&l;p&g;Une assurance pour sécuriser votre projet&l;/p&g;&q;,&q;url&q;:&q;/proteger-moi-et-ma-famille/assurance-emprunteur-credit-consommation&q;,&q;__typename&q;:&q;LinkProductBlockItem&q;},&q;$Page:XEZQ0xAAACAAIqNo.data.pageContent.body.9&q;:{&q;type&q;:&q;legal_mentions&q;,&q;richText&q;:&q;&l;p&g;Vous disposez d’un délai légal de rétractation de 14 jours calendaires révolus à compter de votre acceptation de l’offre pour revenir sur votre engagement.&l;/p&g;&l;p&g;(1) L’assurance facultative emprunteur Crédit Renouvelable est assuré par CACI Vie et CACI Non-Vie - Succursales françaises de CACI Life DAC et CACI Non-Life DAC - Sociétés d’assurance de droit irlandais, et distribué par LCL. Conditions et événements garantis indiqués dans la Notice d’information du au contrat. Sous réserve d’acceptation par l’assureur. Le coût de l’assurance facultative est calculé en fonction du capital restant dû. Le coût repris ici est calculé sur la base des garanties Décès/Perte Totale et Irréversible d’Autonomie et Incapacité de travail pour un emprunteur seul. L’adhésion à l’assurance facultative augmente le coût total du crédit. La souscription à l&s;assurance facultative ne modifie pas le montant de l&s;échéance mais augmente le coût total du crédit et peut allonger la durée (dans la limite des durées maximum fixées par la réglementation).&l;/p&g;&l;p&g;Prêteur : Crédit Lyonnais - SA au capital de 2 037 713 591 € - SIREN 954 509 741 - RCS Lyon - Société de courtage d&s;assurance immatriculée au registre des intermédiaires en assurance sous le numéro ORIAS : 07001878 - Siège social : 18 rue de la République, 69002 Lyon - Pour tout courrier : LCL, 20, avenue de Paris, 94811 Villejuif Cedex. 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