{"id":105,"date":"2025-05-10T09:36:45","date_gmt":"2025-05-10T09:36:45","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=105"},"modified":"2025-05-10T09:36:45","modified_gmt":"2025-05-10T09:36:45","slug":"microcredit-cresus","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/","title":{"rendered":"Microcr\u00e9dit avec Cr\u00e9sus : Analyse Compl\u00e8te du Dispositif"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f0f1a7bb4eb\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f0f1a7bb4eb\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Fondamentaux_et_caracteristiques_du_microcredit_Cresus\" >Fondamentaux et caract\u00e9ristiques du microcr\u00e9dit Cr\u00e9sus<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Points_cles_a_retenir\" >Points cl\u00e9s \u00e0 retenir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Specificites_distinctives\" >Sp\u00e9cificit\u00e9s distinctives<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Parametres_techniques_du_dispositif\" >Param\u00e8tres techniques du dispositif<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Montants_et_durees_disponibles\" >Montants et dur\u00e9es disponibles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Conditions_financieres\" >Conditions financi\u00e8res<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Mecanisme_de_garantie\" >M\u00e9canisme de garantie<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Criteres_deligibilite_et_acces_au_dispositif\" >Crit\u00e8res d&rsquo;\u00e9ligibilit\u00e9 et acc\u00e8s au dispositif<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Profils_des_beneficiaires_potentiels\" >Profils des b\u00e9n\u00e9ficiaires potentiels<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Exigences_de_ressources\" >Exigences de ressources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Limitations_et_exclusions\" >Limitations et exclusions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Projets_eligibles_au_financement\" >Projets \u00e9ligibles au financement<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Solutions_de_mobilite\" >Solutions de mobilit\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Amelioration_des_conditions_de_logement\" >Am\u00e9lioration des conditions de logement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Depenses_de_sante\" >D\u00e9penses de sant\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Investissement_dans_la_formation\" >Investissement dans la formation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Procedure_de_demande_et_dobtention\" >Proc\u00e9dure de demande et d&rsquo;obtention<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Etapes_preliminaires\" >\u00c9tapes pr\u00e9liminaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Constitution_du_dossier_administratif\" >Constitution du dossier administratif<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Evaluation_et_validation\" >\u00c9valuation et validation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Dispositif_daccompagnement_Cresus\" >Dispositif d&rsquo;accompagnement Cr\u00e9sus<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Fonction_des_conseillers\" >Fonction des conseillers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Suivi_pendant_la_periode_de_remboursement\" >Suivi pendant la p\u00e9riode de remboursement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Formation_a_la_gestion_budgetaire\" >Formation \u00e0 la gestion budg\u00e9taire<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Benefices_et_impacts_sociaux\" >B\u00e9n\u00e9fices et impacts sociaux<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Vecteur_dinclusion_financiere\" >Vecteur d&rsquo;inclusion financi\u00e8re<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Rempart_contre_le_surendettement\" >Rempart contre le surendettement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Reconstruction_de_la_relation_bancaire\" >Reconstruction de la relation bancaire<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Dispositifs_complementaires\" >Dispositifs compl\u00e9mentaires<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Autres_programmes_de_microcredit_en_France\" >Autres programmes de microcr\u00e9dit en France<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Complements_daides_sociales\" >Compl\u00e9ments d&rsquo;aides sociales<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Services_de_mediation_financiere\" >Services de m\u00e9diation financi\u00e8re<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Retours_dexperience_concrets\" >Retours d&rsquo;exp\u00e9rience concrets<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Reussites_dinsertion_professionnelle\" >R\u00e9ussites d&rsquo;insertion professionnelle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Amelioration_des_conditions_de_vie\" >Am\u00e9lioration des conditions de vie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Transformations_personnelles\" >Transformations personnelles<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Modalites_de_contact\" >Modalit\u00e9s de contact<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Reseau_territorial\" >R\u00e9seau territorial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Organisation_dun_entretien_preliminaire\" >Organisation d&rsquo;un entretien pr\u00e9liminaire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/#Outils_devaluation_prealable\" >Outils d&rsquo;\u00e9valuation pr\u00e9alable<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fondamentaux_et_caracteristiques_du_microcredit_Cresus\"><\/span>Fondamentaux et caract\u00e9ristiques du microcr\u00e9dit Cr\u00e9sus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Le microcr\u00e9dit constitue un <strong>dispositif financier alternatif<\/strong> permettant aux personnes exclues du syst\u00e8me bancaire traditionnel d&rsquo;acc\u00e9der \u00e0 un pr\u00eat de faible montant. Cr\u00e9\u00e9e en 1992, l&rsquo;association Cr\u00e9sus (Chambre R\u00e9gionale du Surendettement Social) \u0153uvre pour l&rsquo;inclusion sociale et la protection financi\u00e8re de ses clients, avec une \u00e9quipe compos\u00e9e majoritairement de b\u00e9n\u00e9voles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Points_cles_a_retenir\"><\/span>Points cl\u00e9s \u00e0 retenir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Caract\u00e9ristique<\/th><th>D\u00e9tails<\/th><\/tr><\/thead><tbody><tr><td><strong>Montant du pr\u00eat<\/strong><\/td><td>300\u20ac \u00e0 5 000\u20ac (jusqu&rsquo;\u00e0 8 000\u20ac dans certains cas)<\/td><\/tr><tr><td><strong>Dur\u00e9e de remboursement<\/strong><\/td><td>6 \u00e0 48 mois (jusqu&rsquo;\u00e0 7 ans dans certains cas)<\/td><\/tr><tr><td><strong>Taux d&rsquo;int\u00e9r\u00eat<\/strong><\/td><td>Plafonn\u00e9 \u00e0 4% maximum<\/td><\/tr><tr><td><strong>Frais de dossier<\/strong><\/td><td>Aucun<\/td><\/tr><tr><td><strong>Public cible<\/strong><\/td><td>Personnes en pr\u00e9carit\u00e9, ch\u00f4meurs, b\u00e9n\u00e9ficiaires de minima sociaux<\/td><\/tr><tr><td><strong>Garantie<\/strong><\/td><td>Fonds de Coh\u00e9sion Sociale (50% \u00e0 80%)<\/td><\/tr><tr><td><strong>Accompagnement<\/strong><\/td><td>Personnalis\u00e9 pendant toute la dur\u00e9e du pr\u00eat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Specificites_distinctives\"><\/span>Sp\u00e9cificit\u00e9s distinctives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le microcr\u00e9dit Cr\u00e9sus se distingue fondamentalement des cr\u00e9dits bancaires classiques par trois aspects majeurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une <em>accessibilit\u00e9 renforc\u00e9e<\/em> pour les personnes en situation d&rsquo;exclusion financi\u00e8re<\/li>\n\n\n\n<li>Un <em>accompagnement individualis\u00e9<\/em> tout au long du processus<\/li>\n\n\n\n<li>Des <em>conditions adapt\u00e9es<\/em> aux personnes en pr\u00e9carit\u00e9 financi\u00e8re<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Parametres_techniques_du_dispositif\"><\/span>Param\u00e8tres techniques du dispositif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Montants_et_durees_disponibles\"><\/span>Montants et dur\u00e9es disponibles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le microcr\u00e9dit social propos\u00e9 par Cr\u00e9sus offre une enveloppe de financement comprise entre <strong>300\u20ac et 5 000\u20ac<\/strong>. Les \u00e9ch\u00e9ances sont remboursables mensuellement sur une p\u00e9riode variant de 6 \u00e0 48 mois. Dans certains cas sp\u00e9cifiques, les montants peuvent atteindre <strong>8 000\u20ac<\/strong> avec des dur\u00e9es prolong\u00e9es jusqu&rsquo;\u00e0 7 ans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conditions_financieres\"><\/span>Conditions financi\u00e8res<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;un des avantages significatifs du dispositif r\u00e9side dans son <strong>taux d&rsquo;int\u00e9r\u00eat plafonn\u00e9 \u00e0 4% maximum<\/strong>. Cette offre ne comporte aucun frais de dossier ni caution, ce qui la positionne avantageusement par rapport aux solutions de cr\u00e9dit conventionnelles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mecanisme_de_garantie\"><\/span>M\u00e9canisme de garantie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La s\u00e9curisation du dispositif est assur\u00e9e par le <strong>Fonds de Coh\u00e9sion Sociale (FCS)<\/strong>, cr\u00e9\u00e9 \u00e0 l&rsquo;initiative de l&rsquo;\u00c9tat. Ce fonds garantit les microcr\u00e9dits accord\u00e9s selon des quotit\u00e9s variables :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Garantie standard : 50% du montant emprunt\u00e9<\/li>\n\n\n\n<li>Garantie renforc\u00e9e : jusqu&rsquo;\u00e0 80% pour certaines cat\u00e9gories de b\u00e9n\u00e9ficiaires<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Criteres_deligibilite_et_acces_au_dispositif\"><\/span>Crit\u00e8res d&rsquo;\u00e9ligibilit\u00e9 et acc\u00e8s au dispositif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Profils_des_beneficiaires_potentiels\"><\/span>Profils des b\u00e9n\u00e9ficiaires potentiels<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le microcr\u00e9dit Cr\u00e9sus s&rsquo;adresse principalement aux personnes rencontrant des difficult\u00e9s d&rsquo;acc\u00e8s au cr\u00e9dit bancaire traditionnel :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personnes en situation de <strong>pr\u00e9carit\u00e9 financi\u00e8re<\/strong><\/li>\n\n\n\n<li><strong>Demandeurs d&#8217;emploi<\/strong> inscrits \u00e0 P\u00f4le Emploi<\/li>\n\n\n\n<li>B\u00e9n\u00e9ficiaires du <strong>RSA<\/strong> ou d&rsquo;autres minima sociaux<\/li>\n\n\n\n<li>Personnes inscrites aux <strong>fichiers bancaires<\/strong> (FICP, FCC)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exigences_de_ressources\"><\/span>Exigences de ressources<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contrairement aux \u00e9tablissements bancaires classiques, le microcr\u00e9dit social Cr\u00e9sus n&rsquo;impose pas de seuil minimal de revenus. La condition fondamentale r\u00e9side dans l&rsquo;existence d&rsquo;un <strong>projet personnel concret<\/strong> visant l&rsquo;insertion ou la r\u00e9insertion sociale. Le demandeur doit n\u00e9anmoins justifier d&rsquo;une capacit\u00e9 de remboursement minimale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Limitations_et_exclusions\"><\/span>Limitations et exclusions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tous les projets ne peuvent b\u00e9n\u00e9ficier du financement par microcr\u00e9dit Cr\u00e9sus. Sont notamment exclus :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les projets immobiliers<\/li>\n\n\n\n<li>Le financement de tr\u00e9sorerie<\/li>\n\n\n\n<li>Le r\u00e8glement de dettes existantes<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Projets_eligibles_au_financement\"><\/span>Projets \u00e9ligibles au financement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solutions_de_mobilite\"><\/span>Solutions de mobilit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le dispositif permet prioritairement de r\u00e9pondre aux probl\u00e9matiques de mobilit\u00e9 essentielles \u00e0 l&rsquo;insertion professionnelle :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Achat ou r\u00e9paration<\/strong> de v\u00e9hicule<\/li>\n\n\n\n<li>Financement du <strong>permis de conduire<\/strong><\/li>\n\n\n\n<li>Acquisition de <strong>deux-roues<\/strong> motoris\u00e9s<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Amelioration_des_conditions_de_logement\"><\/span>Am\u00e9lioration des conditions de logement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le microcr\u00e9dit Cr\u00e9sus facilite l&rsquo;acc\u00e8s et l&rsquo;am\u00e9lioration du logement \u00e0 travers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le financement du <strong>d\u00e9p\u00f4t de garantie<\/strong><\/li>\n\n\n\n<li>La couverture des <strong>frais d&rsquo;agence<\/strong><\/li>\n\n\n\n<li>L&rsquo;achat de <strong>mobilier<\/strong> ou d&rsquo;<strong>\u00e9lectrom\u00e9nager<\/strong> essentiel<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Depenses_de_sante\"><\/span>D\u00e9penses de sant\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le dispositif offre une solution pour le financement de frais m\u00e9dicaux non couverts par l&rsquo;Assurance Maladie ou les compl\u00e9mentaires sant\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Soins dentaires<\/strong><\/li>\n\n\n\n<li><strong>\u00c9quipements optiques<\/strong> (lunettes, lentilles)<\/li>\n\n\n\n<li><strong>Appareils auditifs<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investissement_dans_la_formation\"><\/span>Investissement dans la formation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dans une perspective d&rsquo;insertion professionnelle, le microcr\u00e9dit peut financer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des <strong>formations qualifiantes<\/strong><\/li>\n\n\n\n<li>L&rsquo;acquisition de <strong>mat\u00e9riel professionnel<\/strong><\/li>\n\n\n\n<li>Des <strong>certifications<\/strong> n\u00e9cessaires \u00e0 l&rsquo;exercice d&rsquo;un m\u00e9tier<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Procedure_de_demande_et_dobtention\"><\/span>Proc\u00e9dure de demande et d&rsquo;obtention<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Etapes_preliminaires\"><\/span>\u00c9tapes pr\u00e9liminaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La premi\u00e8re d\u00e9marche consiste \u00e0 contacter l&rsquo;association Cr\u00e9sus la plus proche de votre domicile pour obtenir un rendez-vous avec un conseiller sp\u00e9cialis\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Constitution_du_dossier_administratif\"><\/span>Constitution du dossier administratif<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le dossier de demande n\u00e9cessite la pr\u00e9paration de plusieurs documents :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Justificatifs d&rsquo;identit\u00e9<\/strong><\/li>\n\n\n\n<li><strong>Attestation de domicile<\/strong><\/li>\n\n\n\n<li><strong>Documents relatifs aux revenus<\/strong> (bulletins de salaire, attestations de prestations)<\/li>\n\n\n\n<li><strong>Relev\u00e9s bancaires<\/strong> r\u00e9cents<\/li>\n\n\n\n<li><strong>Devis<\/strong> correspondant au projet \u00e0 financer<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluation_et_validation\"><\/span>\u00c9valuation et validation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le conseiller Cr\u00e9sus proc\u00e8de \u00e0 une analyse approfondie du dossier pour :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>V\u00e9rifier la <strong>compatibilit\u00e9<\/strong> du projet avec les crit\u00e8res du microcr\u00e9dit<\/li>\n\n\n\n<li>\u00c9valuer la <strong>viabilit\u00e9 financi\u00e8re<\/strong> du plan de remboursement<\/li>\n\n\n\n<li>D\u00e9terminer le <strong>montant optimal<\/strong> du pr\u00eat<\/li>\n<\/ol>\n\n\n\n<p>Une demande de microcr\u00e9dit ne garantit pas syst\u00e9matiquement l&rsquo;obtention d&rsquo;un financement, mais assure dans tous les cas un accompagnement personnalis\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dispositif_daccompagnement_Cresus\"><\/span>Dispositif d&rsquo;accompagnement Cr\u00e9sus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fonction_des_conseillers\"><\/span>Fonction des conseillers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&#8217;emprunteur b\u00e9n\u00e9ficie d&rsquo;un suivi individualis\u00e9 par un conseiller Cr\u00e9sus qui :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9value<\/strong> la pertinence du projet<\/li>\n\n\n\n<li><strong>V\u00e9rifie<\/strong> l&rsquo;ad\u00e9quation du microcr\u00e9dit avec la situation financi\u00e8re<\/li>\n\n\n\n<li><strong>Optimise<\/strong> le montage du dossier<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Suivi_pendant_la_periode_de_remboursement\"><\/span>Suivi pendant la p\u00e9riode de remboursement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;une des valeurs ajout\u00e9es majeures du dispositif r\u00e9side dans l&rsquo;accompagnement continu assur\u00e9 par un b\u00e9n\u00e9vole de l&rsquo;association, qui :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Encourage<\/strong> l&rsquo;implication dans le projet<\/li>\n\n\n\n<li><strong>Facilite<\/strong> l&rsquo;appropriation des d\u00e9marches<\/li>\n\n\n\n<li><strong>Soutient<\/strong> l&rsquo;engagement personnel de l&#8217;emprunteur<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Formation_a_la_gestion_budgetaire\"><\/span>Formation \u00e0 la gestion budg\u00e9taire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Face au constat que pr\u00e8s de 50% des Fran\u00e7ais ne ma\u00eetrisent pas les concepts fondamentaux li\u00e9s au cr\u00e9dit (taux d&rsquo;int\u00e9r\u00eat, taux d&rsquo;endettement), l&rsquo;association Cr\u00e9sus propose :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des <strong>ateliers d&rsquo;\u00e9ducation financi\u00e8re<\/strong><\/li>\n\n\n\n<li>Des <strong>conseils personnalis\u00e9s<\/strong> de gestion budg\u00e9taire<\/li>\n\n\n\n<li>Des <strong>outils pratiques<\/strong> de suivi des d\u00e9penses<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefices_et_impacts_sociaux\"><\/span>B\u00e9n\u00e9fices et impacts sociaux<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vecteur_dinclusion_financiere\"><\/span>Vecteur d&rsquo;inclusion financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le microcr\u00e9dit Cr\u00e9sus constitue un levier d&rsquo;int\u00e9gration sociale en permettant le financement de projets personnels inaccessibles par les circuits bancaires traditionnels.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rempart_contre_le_surendettement\"><\/span>Rempart contre le surendettement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le dispositif joue un r\u00f4le pr\u00e9ventif essentiel face aux risques d&rsquo;endettement excessif. L&rsquo;association apporte aux personnes vuln\u00e9rables des solutions durables pour \u00e9viter les complications bancaires graves.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconstruction_de_la_relation_bancaire\"><\/span>Reconstruction de la relation bancaire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ce financement \u00e0 vocation sociale contribue \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9tablir<\/strong> une relation de confiance avec le syst\u00e8me bancaire<\/li>\n\n\n\n<li><strong>R\u00e9duire<\/strong> les ph\u00e9nom\u00e8nes d&rsquo;exclusion du cr\u00e9dit classique<\/li>\n\n\n\n<li><strong>R\u00e9ins\u00e9rer<\/strong> progressivement les b\u00e9n\u00e9ficiaires dans le circuit financier standard<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dispositifs_complementaires\"><\/span>Dispositifs compl\u00e9mentaires<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Autres_programmes_de_microcredit_en_France\"><\/span>Autres programmes de microcr\u00e9dit en France<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Le paysage fran\u00e7ais du microcr\u00e9dit social comprend plusieurs acteurs majeurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CAF<\/li>\n\n\n\n<li>Cr\u00e9dit Municipal<\/li>\n\n\n\n<li>Restos du C\u0153ur<\/li>\n\n\n\n<li>Croix Rouge<\/li>\n\n\n\n<li>Emma\u00fcs<\/li>\n\n\n\n<li>Adie<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complements_daides_sociales\"><\/span>Compl\u00e9ments d&rsquo;aides sociales<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Selon les situations individuelles, le microcr\u00e9dit peut \u00eatre associ\u00e9 \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des <strong>allocations<\/strong> sp\u00e9cifiques de la CAF<\/li>\n\n\n\n<li>Des <strong>aides financi\u00e8res<\/strong> des collectivit\u00e9s territoriales<\/li>\n\n\n\n<li>Des <strong>subventions<\/strong> d&rsquo;organismes sociaux<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Services_de_mediation_financiere\"><\/span>Services de m\u00e9diation financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En cas de difficult\u00e9s financi\u00e8res plus globales, Cr\u00e9sus propose des services de m\u00e9diation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dans le cadre des <strong>Points Conseil Budget<\/strong><\/li>\n\n\n\n<li>Par <strong>intervention directe<\/strong> aupr\u00e8s des cr\u00e9anciers<\/li>\n\n\n\n<li>Via des <strong>proc\u00e9dures de n\u00e9gociation<\/strong> structur\u00e9es<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retours_dexperience_concrets\"><\/span>Retours d&rsquo;exp\u00e9rience concrets<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reussites_dinsertion_professionnelle\"><\/span>R\u00e9ussites d&rsquo;insertion professionnelle<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Les t\u00e9moignages de b\u00e9n\u00e9ficiaires d\u00e9montrent l&rsquo;efficacit\u00e9 du dispositif dans la concr\u00e9tisation de projets professionnels, particuli\u00e8rement gr\u00e2ce au financement de formations qualifiantes et de solutions de mobilit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Amelioration_des_conditions_de_vie\"><\/span>Am\u00e9lioration des conditions de vie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>L&rsquo;impact du microcr\u00e9dit Cr\u00e9sus sur la qualit\u00e9 de vie des b\u00e9n\u00e9ficiaires se manifeste notamment par :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;acc\u00e8s \u00e0 un <strong>logement d\u00e9cent<\/strong><\/li>\n\n\n\n<li>L&rsquo;acquisition de <strong>biens d&rsquo;\u00e9quipement<\/strong> essentiels<\/li>\n\n\n\n<li>La r\u00e9solution de <strong>probl\u00e8mes de sant\u00e9<\/strong> prioritaires<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transformations_personnelles\"><\/span>Transformations personnelles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Au-del\u00e0 des aspects mat\u00e9riels, le dispositif g\u00e9n\u00e8re des transformations significatives dans les parcours individuels :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Restauration<\/strong> de la confiance en soi<\/li>\n\n\n\n<li><strong>D\u00e9veloppement<\/strong> de l&rsquo;autonomie financi\u00e8re<\/li>\n\n\n\n<li><strong>Renforcement<\/strong> de l&rsquo;inclusion sociale<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Modalites_de_contact\"><\/span>Modalit\u00e9s de contact<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reseau_territorial\"><\/span>R\u00e9seau territorial<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pour initier une demande de microcr\u00e9dit, la d\u00e9marche optimale consiste \u00e0 identifier l&rsquo;association Cr\u00e9sus la plus proche de votre domicile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Organisation_dun_entretien_preliminaire\"><\/span>Organisation d&rsquo;un entretien pr\u00e9liminaire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La prise de rendez-vous s&rsquo;effectue :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aupr\u00e8s de la permanence locale de votre ville<\/li>\n\n\n\n<li>Ou, \u00e0 d\u00e9faut, directement au si\u00e8ge social de Cr\u00e9sus<\/li>\n<\/ul>\n\n\n\n<p>Il est recommand\u00e9 de pr\u00e9parer l&rsquo;ensemble des documents n\u00e9cessaires avant l&rsquo;entretien initial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Outils_devaluation_prealable\"><\/span>Outils d&rsquo;\u00e9valuation pr\u00e9alable<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Des simulateurs en ligne permettent d&rsquo;\u00e9valuer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Votre <strong>\u00e9ligibilit\u00e9<\/strong> potentielle au dispositif<\/li>\n\n\n\n<li>L&rsquo;<strong>estimation<\/strong> des mensualit\u00e9s de remboursement<\/li>\n\n\n\n<li>La <strong>faisabilit\u00e9<\/strong> globale de votre projet<\/li>\n<\/ul>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Fondamentaux et caract\u00e9ristiques du microcr\u00e9dit Cr\u00e9sus Le microcr\u00e9dit constitue un dispositif financier alternatif permettant aux personnes exclues du syst\u00e8me bancaire traditionnel d&rsquo;acc\u00e9der \u00e0 un pr\u00eat de faible montant. Cr\u00e9\u00e9e en 1992, l&rsquo;association Cr\u00e9sus (Chambre R\u00e9gionale du Surendettement Social) \u0153uvre pour l&rsquo;inclusion sociale et la protection financi\u00e8re de ses clients, avec une \u00e9quipe compos\u00e9e majoritairement de &#8230; <a title=\"Microcr\u00e9dit avec Cr\u00e9sus : Analyse Compl\u00e8te du Dispositif\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/microcredit-cresus\/\" aria-label=\"En savoir plus sur Microcr\u00e9dit avec Cr\u00e9sus : Analyse Compl\u00e8te du Dispositif\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-express"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Microcr\u00e9dit avec Cr\u00e9sus : Analyse Compl\u00e8te du Dispositif - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Microcr\u00e9dit Cr\u00e9sus : pr\u00eat de 300\u20ac \u00e0 8000\u20ac \u00e0 4% pour personnes exclues du syst\u00e8me bancaire traditionnel. 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