The Paris Mont-de-Piété: borrowing on rue des Francs-Bourgeois

A public institution serving the capital alone

The Crédit Municipal de Paris is a municipal public institution for credit and social assistance; article L514-1 of the Code monétaire et financier reserves loans against tangible pledges to these institutions. Its website covers Paris only, not every Mont-de-Piété in France.

The Marais counter and its deposit times

The address given for pawn loans is 55 rue des Francs-Bourgeois, 75004 Paris. According to the institution, you can deposit without appointment in the morning, from 9am to 12.30pm, and by appointment in the afternoon, Monday to Saturday.

Three APR bands in the Paris scale

The tariff page, updated in September 2024 according to its metadata, shows an APR of 4.25% up to €500, 9.90% up to €6,000 and 5.30% above that. No effective date is given.

1% storage fee, waived on small loans

The published APRs include a 1% storage fee, from which loans under €500 are exempt: hence the gentler rate of the first band. To see how Paris compares with other institutions, consult pawn loan rates in France.

What 300, 5,000 and 25,000 euros cost

According to the institution's examples, €300 costs €6.38 in interest over six months, €5,000 costs €247.50 and €25,000 costs €662.50. Over twelve months: €12.75, €495 and €1,325.

From €30 to €5 million: the simulator's range

The Paris simulator sets a minimum loan of €30 and an authorised maximum of €5 million, for terms of 1, 6 or 12 months. The general terms as at 1 May 2026, for their part, describe a contract granted for one year and renewable.

Items taken by the Crédit Municipal de Paris

The simulator lists gold, jewellery, watches, silverware, art objects, musical instruments, leather goods, wine, books, photographs, furniture and gaming. The institution does, however, refuse furs and any item containing ivory.

Supporting documents required at the Paris counter

You need valid photo identification, proof of a French address under three months old for a new customer, and bank details for a current account in the same name. From €10,000 borrowed, proof of income becomes compulsory.

Cash up to €3,000, bank transfer above

Since 1 December 2024, the Paris institution has paid loans of up to €3,000 in cash and transferred larger amounts. It states that customers leave within the hour, whereas at the Crédit Municipal de Lyon a prior appointment is compulsory.

Renewing online and avoiding penalties

The loan is extended by paying only the interest due, by bank card in the personal online area up to €1,500. Under the 2026 general terms, each fortnight of delay begun costs 0.50% of the capital, up to a limit of twelve fortnights.

Clic&Clou and early repayment

Repaying early is done pro rata temporis, with no penalty whatsoever. The Clic&Clou service lets you pay online and then collect the item in about fifteen minutes, a useful arrangement for an institution handling some 600 transactions a day on average.

The Paris auction house and a two-year surplus

A pledge neither redeemed nor renewed goes to auction, with 15% charged on the hammer price. The surplus (boni) remains claimable for two years; Paris generated €7.2m of it in 2025. For buyers, see Crédit Municipal auctions.

Reference bodies for a pledge in Paris

• Crédit Municipal de Paris: Municipal public institution that grants pawn loans in Paris at 55 rue des Francs-Bourgeois, in the 4th arrondissement.
• Service-public.gouv.fr (fiche F1354): Official government sheet explaining pawn loans, reserved to the Crédit Municipal institutions and subject to no income condition.

Borrowing from the Crédit Municipal de Paris, step by step

1. Simulate the loan online by category of item, then come in the morning without appointment or book an afternoon slot.
2. Present the item with your identification, recent proof of address and bank details for a current account in your name.
3. Let the expert value the item on the spot based on its likely value on the public auction market.
4. Sign the contract, receive the funds and keep the pawn ticket, which you need to renew or redeem.
5. Before the due date, pay the interest to extend or repay in full to recover the item, possibly via Clic&Clou.
6. After an auction, wait for the letter stating the surplus and then claim it within two years.

Costs published by the Paris institution

File to bring to rue des Francs-Bourgeois

• Valid photo identity document
• Proof of a French address under 3 months old, or under one year for an existing customer
• Bank details (RIB-IBAN) for a current account in your full name, savings accounts being refused
• Proof of income for any loan of €10,000 or more
• Invoice in the depositor's name for leather goods and fashion items
• Paper originals all bearing the same surname and first name

Common traps for Paris borrowers

• Bringing a fur coat or an item containing ivory: the Crédit Municipal de Paris turns them away, whatever their value.
• Supplying the details of a savings account: the institution requires a current account in the customer's name to pay amounts above €3,000.
• Letting the due date slip: the 0.50% penalty per fortnight is added to the interest and the item may then be sold.
• Treating the Paris scale as a national one: each city has its own institution, with its own rates and rules.
• Ignoring the letter announcing a surplus: two years after the sale, the money is kept by the institution for good.

General information, up to date as of October 2026 and non-contractual: always check the terms with the Crédit Municipal or the institution concerned.