Practical guide
Consumer credit: your right to withdraw
Signed a consumer credit offer and having second thoughts? The law protects you.
Updated 23 October 2026
The principle
You have 14 full calendar days from acceptance of the offer to withdraw, without giving reasons (article L312-19 of the Consumer Code).
How to do it
Use the detachable form supplied with the offer and send it by registered letter with acknowledgement of receipt, as indicated in the contract.
And repayment?
If funds were already paid out, you must repay them within the legal maximum period, possibly with interest for the elapsed time. See the offer for details.
Official sources
Frequently asked questions
How many days to withdraw?
14 calendar days from acceptance of the offer.
Must I give a reason?
No, no justification is required.
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