{
  "table": "car-loan-calculator-rules",
  "schema": 1,
  "version": "2026-11-11.1",
  "title": "Car loan rules: France (usury thresholds of consumer loans, consumer credit ceiling) and United Kingdom (hire purchase voluntary termination)",
  "doc": "Rule table read by the car-loan-calculator handler (ctx.data['car-loan-calculator-rules']). Rates are percentage points (8.56 means 8,56 %); amounts are in major units of the country's currency. Table-level valid_from/valid_until bound the period during which this version may be relied on: the French usury thresholds below apply to loans granted from 1 October to 31 December 2026, and the Banque de France publishes the next quarter's at the end of December, so the table must be reviewed before valid_until passes. Each value carries its legal basis, the official page it was read on (source_url), that page's own date (source_date), the day it was read for this table (retrieved), and its own validity window (valid_from, valid_until; null valid_until means in force until changed). The APR method is not a value but the formula of the Consumer Credit Directive, used by both countries; it is recorded here with its sources so the page can cite them.",
  "reviewed_on": "2026-11-11",
  "reviewed_by": "apps-calculators agent (automated research against official sources, 2026-11-11); owner review pending",
  "valid_from": "2026-10-01",
  "valid_until": "2026-12-31",
  "locale_country": {
    "fr-FR": "FR",
    "en-GB": "GB"
  },
  "apr_method": {
    "rule": "The APR (TAEG) is the annual rate X that makes the amount of credit made available equal to the present value of every repayment and charge, Σ C_k (1 + X)^(−t_k) = Σ D_l (1 + X)^(−s_l), with times in years and a month of 1/12 year; expressed to at least one decimal place, a following figure of 5 or more rounding up.",
    "decimals": 2,
    "fees_paid_at": "start",
    "sources": [
      {
        "label": "Code de la consommation, annexe à l’article R314-3 (version en vigueur depuis le 20 décembre 2021)",
        "url": "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000044536833",
        "source_date": "2021-12-20",
        "retrieved": "2026-11-11"
      },
      {
        "label": "Directive 2008/48/EC, Annex I (the formula UK rules took over), legislation.gov.uk",
        "url": "https://www.legislation.gov.uk/eudr/2008/48/annex/I",
        "source_date": "2020-12-31",
        "retrieved": "2026-11-11"
      },
      {
        "label": "Consumer Credit (Total Charge for Credit) Regulations 2010 (SI 2010/1011), Schedule: the APR equation, 12 equal months (para 3(e)), at least one decimal place (para 3(f)); revoked since, the FCA Handbook (CONC App 1.2) now holding these rules for UK lenders. CONC App 1.2 was not opened for this table: the Handbook site renders with JavaScript only, so no rule number of it is cited.",
        "url": "https://www.legislation.gov.uk/uksi/2010/1011/schedule/made",
        "source_date": "2010-03-28",
        "retrieved": "2026-11-11"
      }
    ]
  },
  "countries": {
    "FR": {
      "name": {
        "fr-FR": "France",
        "en-GB": "France"
      },
      "currency": "EUR",
      "usury": {
        "category": {
          "fr-FR": "Crédits de trésorerie aux ménages (prêts à la consommation, dont les crédits auto)",
          "en-GB": "Household cash loans (consumer loans, car loans included)"
        },
        "compares": "the TAEG of the loan, at the time it is granted; it must not exceed the threshold",
        "legal_basis": "Code de la consommation, art. L314-6 (taux d’usure); thresholds published quarterly by the Banque de France",
        "applies_from": "2026-10-01",
        "applies_until": "2026-12-31",
        "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
        "source_date": "2026-09-28",
        "source_updated": "2026-11-09",
        "source_note": "Put online on 28 September 2026 and updated on 9 November 2026, when the page added a row for locations avec option d’achat (LOA), included in the crédits de trésorerie from 20 November 2026 (ordonnance n° 2025-880, art. L312-6), threshold 10.99%. The three bands below are unchanged by that update and apply from 1 October 2026 (footnote 5). The €75,000 in the heading of this category concerns loans for works (prêts pour travaux) only; a car loan is a crédit de trésorerie whatever its amount.",
        "retrieved": "2026-11-11",
        "see_also": [
          "https://www.banque-france.fr/system/files/webstats/Taux_dusure_2026T4_20261109/FR_202610_RESULT_TABLEAU_INTERNET_USURE_20Oct26.pdf",
          "https://www.service-public.gouv.fr/particuliers/vosdroits/F2440"
        ],
        "bands": [
          {
            "id": "fr-usury-up-to-3000",
            "above": null,
            "up_to": 3000,
            "rate": 23.6,
            "average_rate_previous_quarter": 17.7,
            "label": {
              "fr-FR": "les prêts de 3 000 € ou moins",
              "en-GB": "loans of €3,000 or less"
            },
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-09-28",
            "retrieved": "2026-11-11"
          },
          {
            "id": "fr-usury-3000-to-6000",
            "above": 3000,
            "up_to": 6000,
            "rate": 15.76,
            "average_rate_previous_quarter": 11.82,
            "label": {
              "fr-FR": "les prêts de plus de 3 000 € et jusqu’à 6 000 €",
              "en-GB": "loans over €3,000 and up to €6,000"
            },
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-09-28",
            "retrieved": "2026-11-11"
          },
          {
            "id": "fr-usury-over-6000",
            "above": 6000,
            "up_to": null,
            "rate": 8.56,
            "average_rate_previous_quarter": 6.42,
            "label": {
              "fr-FR": "les prêts de plus de 6 000 €",
              "en-GB": "loans over €6,000"
            },
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-09-28",
            "retrieved": "2026-11-11"
          }
        ]
      },
      "consumer_credit_ceiling": {
        "rule": "A loan above this amount is outside the consumer credit rules of the Code de la consommation (the usury threshold still applies).",
        "amount": 75000,
        "valid_from": null,
        "valid_until": "2026-11-19",
        "next": {
          "amount": 100000,
          "valid_from": "2026-11-20",
          "valid_until": null,
          "applies_to": "offers issued from 20 November 2026 (ordonnance n° 2025-880 du 3 septembre 2025, transposing Directive (EU) 2023/2225)"
        },
        "legal_basis": "Code de la consommation, art. L312-4",
        "source_url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2441",
        "source_date": "2026-11-11",
        "retrieved": "2026-11-11",
        "see_also": [
          "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
          "https://www.service-public.gouv.fr/particuliers/vosdroits/F34385"
        ]
      }
    },
    "GB": {
      "name": {
        "fr-FR": "Royaume-Uni",
        "en-GB": "United Kingdom"
      },
      "currency": "GBP",
      "usury": null,
      "hp_voluntary_termination": {
        "rule": "Under a regulated hire-purchase or conditional sale agreement the debtor may end the agreement at any time before the final payment falls due, and then owes at most the amount by which one-half of the total price exceeds what has been paid and is due.",
        "fraction": {
          "numerator": 1,
          "denominator": 2
        },
        "total_price": "the total sum payable by the debtor under the agreement, including any sum payable on the exercise of an option to purchase (s.189): deposit, payments and fees",
        "legal_basis": "Consumer Credit Act 1974, s.99 and s.100(1); s.189 for “total price”",
        "applies_to": "regulated hire-purchase and conditional sale agreements, PCP agreements written as hire purchase included; not personal loans, where the car is the buyer’s from the start",
        "extent": "England and Wales, Scotland, Northern Ireland",
        "valid_from": null,
        "valid_until": null,
        "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/section/100",
        "source_date": "2026-09-30",
        "retrieved": "2026-11-11",
        "see_also": [
          "https://www.legislation.gov.uk/ukpga/1974/39/section/99",
          "https://www.legislation.gov.uk/ukpga/1974/39/section/189"
        ]
      }
    }
  },
  "sources": [
    {
      "label": "Banque de France: taux d’usure 2026-T4 (applicables au 1er octobre 2026)",
      "url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
      "date": "2026-09-28"
    },
    {
      "label": "Service-Public.fr: crédit à la consommation (réforme au 20 novembre 2026)",
      "url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2441",
      "date": "2026-11-11"
    },
    {
      "label": "Légifrance: code de la consommation, annexe à l’article R314-3 (calcul du TAEG)",
      "url": "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000044536833",
      "date": "2021-12-20"
    },
    {
      "label": "legislation.gov.uk: Consumer Credit Act 1974, section 100",
      "url": "https://www.legislation.gov.uk/ukpga/1974/39/section/100",
      "date": "2026-09-30"
    },
    {
      "label": "legislation.gov.uk: Directive 2008/48/EC, Annex I",
      "url": "https://www.legislation.gov.uk/eudr/2008/48/annex/I",
      "date": "2020-12-31"
    }
  ]
}