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Certyneo
Advanced signature (AES) compliant with eIDAS

Sign a consumer credit offer online

Personal loan contracts, earmarked credit, lease with purchase option — legally valid advanced signature (AES), qualified timestamp, complete audit trail. Compliant with Consumer Code and eIDAS.

Legal framework
Consumer Code (art. L312-1 et seq.), art. 1366 Civil Code, eIDAS (EU Regulation 910/2014)
Signature level
AES eIDAS recommended
Legal archiving
10 years with probative value (eIDAS audit trail)

What is an electronic signature for a credit contract?

An advanced signature (AES) is an electronically recognized process in France and Europe for signing consumer credit offers. It binds lender and individual borrower through a legally valid, timestamped and incontestable legal act. Unlike paper signature, it generates a traceable proof PDF with complete audit trail and qualified timestamp, satisfying the obligations of the Consumer Code and eIDAS Regulation.

Why sign a consumer credit online?

Speed and seamlessness

Sign in minutes without travel. The borrower receives their proof PDF immediately after timestamping.

Enhanced legal security

Qualified timestamp, immutable audit trail and incontestable proof PDF. No risk of lost or misplaced documents.

Consumer Code compliance

Compliance with withdrawal periods (14 days, art. L312-19), FISE (pre-contractual information sheet) and traceability requirements for earmarked credits, personal loans and leases with purchase option.

Reduced costs and ecology

Zero paper, zero postal shipping. Secure EU archiving. Certified hosting in Germany (IONOS). Substantial savings for lenders and borrowers.

4-step procedure

From contract preparation to legally timestamped signature

  1. 1. Preparation of the credit offer

    Lender configures the contract (personal loan, tied credit, lease) with integrated FISE, pricing conditions, withdrawal periods and legal notices compliant with the Consumer Code.

  2. 2. Secure transmission to the borrower

    Timestamped signature link generated and sent via email or SMS. Borrower accesses the contract via secure portal. Audit trail starts immediately.

  3. 3. Advanced electronic signature (AES)

    Borrower signs the contract via recommended eIDAS process (OTP, certificate, biometrics). Qualified timestamp applied. Proof PDF generated in real time.

  4. 4. Legal archiving and audit trail

    Timestamped PDF stored in EU hosting (IONOS Germany). Complete audit trail downloadable. Both parties receive immutable and legally valid proof.

Frequently asked questions — Consumer credit signature

Is electronic signature legal for a consumer credit contract?
Yes, entirely. Article 1366 of the Civil Code recognizes the validity of electronic writing. Advanced signature (AES) satisfies the eIDAS Regulation and the requirements of the Consumer Code (art. L312-1 et seq.).
What is the withdrawal period after electronic signature of a credit?
14 calendar days from the signature (art. L312-19 of the Consumer Code). The borrower may withdraw without charge or penalty within this period. Certyneo generates the timestamped proof of signature, establishing the start of the withdrawal period.
How does qualified timestamping work in the signature?
Qualified timestamping applies an immutable date and time, certified by a trusted third party. It is impossible to modify the proof PDF after signature. This creates a legally valid audit trail satisfying eIDAS.
Can a personal loan, tied credit and lease be signed online?
Yes. These three contracts fall under the Consumer Code (art. L312-1 et seq.). Certyneo supports FISE, withdrawal periods and legal notices for each type. Advanced signature (AES) identical.
What does the audit trail contain and how do I access it?
The audit trail records: creation date/time, sending, opening, timestamped signature, signing IP, PDF fingerprint, certificate. Downloadable directly from the Certyneo portal in real time or retrospectively.
Where are signed contracts archived?
Secure EU hosting (IONOS Germany) compliant with GDPR and eIDAS. Timestamped proof PDF preserved indefinitely. Secure access via authentication for lender and borrower.
Is FISE (pre-contractual information sheet) mandatory?
Yes, for all consumer credit (personal loan, tied credit, car lease). Art. L312-1 of the Consumer Code requires it before signature. Certyneo integrates it into the electronically signed contract.
Can Certyneo be used between professional lender and individual borrower?
Yes. Certyneo is designed for B2C contracts (professional lender → individual borrower). Advanced signature (AES) and audit trail are suitable for the asymmetric relationships of the Consumer Code.

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