{
  "table": "personal-loan-calculator-rules",
  "schema": 1,
  "version": "2026-11-11.1",
  "title": "Personal loan rules: APR calculation, French usury thresholds and consumer credit scope (France and United Kingdom)",
  "doc": "Rule table read by the personal-loan-calculator handler (ctx.data['personal-loan-calculator-rules']). Rates are percentage points (8.56 means 8.56 %). Table-level valid_from/valid_until bound the period during which this version may be relied on: the French usury thresholds are set each quarter by a notice in the Journal officiel, and the next ones apply from 1 January 2027, so the table must be updated before valid_until passes. Entry-level valid_from/valid_until bound each value; a null valid_until means in force until changed. source_url is the primary source for the value, source_date that source's own date, retrieved the day it was opened for this table. Usury bands: a band holds the amounts with above < amount <= up_to, a null bound being open. The French consumer credit reform (ordonnance n° 2025-880 of 3 September 2025) applies to offers issued from 20 November 2026: the ceiling moves from 75,000 € to 100,000 € and loans under 200 € come into scope; the usury thresholds for consumer loans are the same before and after that date for this quarter (notice of 6 November 2026).",
  "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"
  },
  "countries": {
    "FR": {
      "name": {
        "fr-FR": "France",
        "en-GB": "France"
      },
      "currency": "EUR",
      "apr": {
        "decimals": 2,
        "rule": "TAEG: actuarial rate X with sum of drawdowns = sum of repayments and charges discounted by (1 + X)^(t), t in years; a year is 12 equal months (30.41666 days each); the result is expressed with at least one decimal place, a 5 in the next place rounding up. This table shows 2 decimals, the precision of the usury thresholds.",
        "legal_basis": "Code de la consommation, art. R314-3 and its annex; art. L314-1 and R314-4 (costs included)",
        "valid_from": "2021-12-20",
        "valid_until": null,
        "source_url": "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000044536833",
        "source_date": "2021-12-20",
        "retrieved": "2026-11-11"
      },
      "usury": {
        "category": {
          "fr-FR": "Crédits de trésorerie aux ménages (crédits à la consommation non liés à l’immobilier)",
          "en-GB": "Household cash loans (consumer loans not linked to property)"
        },
        "legal_basis": "Code de la consommation, art. L314-6; avis du 25 septembre 2026 (JORF du 26 septembre 2026); avis du JORF n° 260 du 6 novembre 2026 (catégories applicables à compter du 20 novembre 2026)",
        "valid_from": "2026-10-01",
        "valid_until": "2026-12-31",
        "source_url": "https://acpr.banque-france.fr/system/files/webstats/Taux_dusure_2026T4_20260928/FR_202610_RESULT_TABLEAU_INTERNET_USURE_23Sep26.pdf",
        "source_date": "2026-09-23",
        "retrieved": "2026-11-11",
        "see_also": [
          "https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000054903528",
          "https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000055064545"
        ],
        "bands": [
          {
            "id": "up-to-3000",
            "above": null,
            "up_to": 3000,
            "rate": 23.6,
            "label": {
              "fr-FR": "prêts de 3 000 € ou moins",
              "en-GB": "loans of €3,000 or less"
            }
          },
          {
            "id": "3000-to-6000",
            "above": 3000,
            "up_to": 6000,
            "rate": 15.76,
            "label": {
              "fr-FR": "prêts de plus de 3 000 € et jusqu’à 6 000 €",
              "en-GB": "loans over €3,000 and up to €6,000"
            }
          },
          {
            "id": "over-6000",
            "above": 6000,
            "up_to": null,
            "rate": 8.56,
            "label": {
              "fr-FR": "prêts de plus de 6 000 €",
              "en-GB": "loans over €6,000"
            }
          }
        ]
      },
      "consumer_credit_scope": {
        "previous": {
          "min": 200,
          "max": 75000,
          "valid_from": null,
          "valid_until": "2026-11-19",
          "legal_basis": "Code de la consommation, art. L312-1 and L312-4 (version before 20 November 2026)",
          "source_url": "https://www.service-public.gouv.fr/particuliers/actualites/A18451",
          "source_date": "2026-10-27",
          "retrieved": "2026-11-11",
          "see_also": [
            "https://www.service-public.gouv.fr/particuliers/vosdroits/F2441"
          ]
        },
        "current": {
          "min": null,
          "max": 100000,
          "valid_from": "2026-11-20",
          "valid_until": null,
          "legal_basis": "Ordonnance n° 2025-880 du 3 septembre 2025 relative au crédit à la consommation (transposition of Directive (EU) 2023/2225), in force for offers issued from 20 November 2026",
          "source_url": "https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000052184230",
          "source_date": "2025-09-03",
          "retrieved": "2026-11-11",
          "see_also": [
            "https://www.service-public.gouv.fr/particuliers/vosdroits/F2441",
            "https://www.economie.gouv.fr/daj/la-reforme-du-credit-la-consommation-entre-en-vigueur-le-20-novembre-2026"
          ]
        }
      },
      "withdrawal": {
        "days": 14,
        "legal_basis": "Code de la consommation, art. L312-19",
        "valid_from": "2017-02-23",
        "valid_until": null,
        "source_url": "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000034072770",
        "source_date": "2017-02-23",
        "retrieved": "2026-11-11"
      }
    },
    "GB": {
      "name": {
        "fr-FR": "Royaume-Uni",
        "en-GB": "United Kingdom"
      },
      "currency": "GBP",
      "scope": {
        "fr-FR": "Royaume-Uni : le droit du crédit à la consommation (Consumer Credit Act 1974) s’applique en Angleterre, au pays de Galles, en Écosse et en Irlande du Nord.",
        "en-GB": "United Kingdom: consumer credit law (Consumer Credit Act 1974) applies in England, Wales, Scotland and Northern Ireland."
      },
      "apr": {
        "decimals": 1,
        "rule": "APR: rate X with sum of drawdowns = sum of repayments and charges discounted by (1 + X)^(t), t in years; a year is 12 equal months (30.41666 days each); the result is expressed with an accuracy of at least one decimal place, a 5 in the next place rounding up. UK lenders state it to one decimal place, which this table uses.",
        "legal_basis": "Consumer Credit (Total Charge for Credit) Regulations 2010 (SI 2010/1011), Schedule; revoked on 1 April 2014 when the rules moved, unchanged, into the FCA Handbook, CONC App 1.2 (not opened for this table: the Handbook site renders with JavaScript only)",
        "valid_from": "2011-02-01",
        "valid_until": null,
        "source_url": "https://www.legislation.gov.uk/uksi/2010/1011/schedules/2013-07-26",
        "source_date": "2013-07-26",
        "retrieved": "2026-11-11",
        "see_also": [
          "https://www.legislation.gov.uk/eudr/2008/48/annex/I"
        ]
      },
      "usury": null,
      "withdrawal": {
        "days": 14,
        "legal_basis": "Consumer Credit Act 1974, s. 66A",
        "valid_from": "2011-02-01",
        "valid_until": null,
        "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/section/66A",
        "source_date": "2011-02-01",
        "retrieved": "2026-11-11"
      },
      "early_settlement": {
        "threshold": 8000,
        "max_percent_over_one_year": 1,
        "max_percent_one_year_or_less": 0.5,
        "legal_basis": "Consumer Credit Act 1974, s. 94 and s. 95A",
        "valid_from": "2011-02-01",
        "valid_until": null,
        "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/section/95A",
        "source_date": "2011-02-01",
        "retrieved": "2026-11-11"
      }
    }
  }
}