{"id":3742,"date":"2025-10-12T16:40:48","date_gmt":"2025-10-12T14:40:48","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=3742"},"modified":"2025-10-14T10:39:20","modified_gmt":"2025-10-14T08:39:20","slug":"fraude-au-pret","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-au-pret\/","title":{"rendered":"Fraude au pr\u00eat ou au rachat de cr\u00e9dit : comment \u00e9viter cette arnaque"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous recevez un message vous proposant un rachat de cr\u00e9dit \u00e0 un taux imbattable ou une offre de pr\u00eat tr\u00e8s avantageuse ? Curieusement, on vous demande de r\u00e9gler au plus t\u00f4t des frais de dossier... Prudence : il peut s\u2019agir d\u2019une fraude au pr\u00eat, une arnaque de plus en plus fr\u00e9quente.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce que la fraude au pr\u00eat ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cette escroquerie, les fraudeurs <strong>se font passer pour une banque ou une soci\u00e9t\u00e9 de cr\u00e9dit<\/strong>.<br>Leur objectif : <strong>obtenir vos donn\u00e9es personnelles<\/strong> (pi\u00e8ces d\u2019identit\u00e9, justificatifs, coordonn\u00e9es bancaires\u2026) pour <strong>usurper votre identit\u00e9<\/strong> et <strong>contracter un pr\u00eat \u00e0 votre nom<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne l\u2019arnaque au rachat de cr\u00e9dit ?<\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li>Vous recevez un <strong>message ou un appel<\/strong> vous proposant un <strong>rachat de cr\u00e9dit \u00e0 taux tr\u00e8s bas<\/strong>.<\/li><li>Les escrocs vous expliquent qu\u2019ils doivent <strong>constituer votre dossier<\/strong> et vous demandent vos <strong>informations personnelles et bancaires<\/strong>.<\/li><li>Un <strong>pr\u00eat est alors souscrit en ligne \u00e0 votre nom<\/strong>, et la somme est <strong>vers\u00e9e sur votre compte<\/strong>.<\/li><li>Vous \u00eates ensuite contact\u00e9 par les fraudeurs, qui vous demandent de <strong>transf\u00e9rer l\u2019argent vers un autre compte<\/strong>, soi-disant pour <strong>finaliser l\u2019op\u00e9ration<\/strong>. Une fois le virement effectu\u00e9, <strong>l\u2019argent dispara\u00eet<\/strong> et <strong>le cr\u00e9dit reste \u00e0 votre charge.<\/strong><\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les signes qui doivent vous alerter<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Soyez vigilant si :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le <strong>taux propos\u00e9 est anormalement bas<\/strong> (bien en dessous des taux du march\u00e9),<\/li><li>on vous <strong>presse de fournir des documents personnels<\/strong>,<\/li><li>la communication se fait par <strong>adresse e-mail g\u00e9n\u00e9rique ou suspecte<\/strong>,<\/li><li>on vous <strong>demande d\u2019effectuer un virement<\/strong> avant m\u00eame la validation du dossier.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment se prot\u00e9ger contre la fraude au pr\u00eat ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d\u2019accepter une offre de pr\u00eat ou de rachat de cr\u00e9dit :<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Ne r\u00e9pondez pas imm\u00e9diatement<\/strong> \u00e0 un message ou une publicit\u00e9 trop all\u00e9chante.<\/li><li><strong>Contactez directement votre banque ou un \u00e9tablissement de cr\u00e9dit connu<\/strong>,<br>en utilisant <strong>les coordonn\u00e9es officielles<\/strong> (site ou num\u00e9ro trouv\u00e9 par vous-m\u00eame).<\/li><li><strong>V\u00e9rifiez les taux en vigueur<\/strong> sur les sites officiels (Banque de France, Les Cl\u00e9s de la Banque, etc.).<\/li><li><strong>Ne transf\u00e9rez jamais d\u2019argent<\/strong> \u00e0 la demande d\u2019un pr\u00e9tendu conseiller.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que faire si vous pensez \u00eatre victime d\u2019une fraude au pr\u00eat ?<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Pr\u00e9venez imm\u00e9diatement votre banque<\/strong> pour bloquer toute op\u00e9ration suspecte.<\/li><li><strong>Signalez la fraude<\/strong> sur le site <a>cybermalveillance.gouv.fr<\/a>.<\/li><li><strong>D\u00e9posez plainte<\/strong> pour usurpation d\u2019identit\u00e9,<\/li><li>Contacter<a href=\"https:\/\/www.police-nationale.interieur.gouv.fr\/actualite\/info-escroqueries-plate-forme-pour-signaler-escroqueries-sur-internet\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;la plateforme info Escroqueries de la Police nationale<\/a>&nbsp;au&nbsp;<strong>0805 805 817&nbsp;<\/strong>(service et appel gratuits du lundi au vendredi de 9h \u00e0 18h30).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">\u00c0 retenir : un taux trop bas, c\u2019est souvent une alerte rouge. Avant tout rachat de cr\u00e9dit, v\u00e9rifiez toujours l\u2019identit\u00e9 de votre interlocuteur et contactez votre conseiller habituel.<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Voir l'infographie<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-585x1024.png?_t=1725349187\" alt=\"\" class=\"wp-image-31275\" width=\"293\" height=\"512\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-585x1024.png 585w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-171x300.png 171w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-768x1344.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-46x80.png 46w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-269x470.png 269w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-143x250.png 143w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-29x50.png 29w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret-550x963.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-faux-pret.png 800w\" sizes=\"auto, (max-width: 293px) 100vw, 293px\" \/><\/a><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>En apparence : Dans ce type de <strong>fraude<\/strong>, en g\u00e9n\u00e9ral, vous recevez une <strong>proposition de cr\u00e9dit<\/strong>. Elle comporte un <strong>taux <\/strong>tr\u00e8s int\u00e9ressant, sans exigence de <strong>garantie<\/strong>. L'organisme se pr\u00e9sente comme \u00e9tant une banque ou un service financier, le plus souvent connu. Pour <strong>d\u00e9bloquer <\/strong>les fonds, on vous demande de payer tout de suite des <strong>frais de dossier<\/strong> ou une somme d'argent.<\/li><li>En r\u00e9alit\u00e9 : Il s'agit d'un <strong>escroc <\/strong>et non un organisme de cr\u00e9dit. Il vous fait croire \u00e0 un <strong>cr\u00e9dit facile<\/strong> \u00e0 obtenir pour vous voler de l'argent. Pour soi-disant, finaliser le cr\u00e9dit, on vous demande de transf\u00e9rer l'argent vers un compte externe.<\/li><li>Les bons r\u00e9flexes : Ne versez aucune somme d'argent pour obtenir un pr\u00eat. Aucun organisme de cr\u00e9dit ne vous demandera de l'argent pour obtenir un pr\u00eat ou un d\u00e9blocage des fonds. C'est interdit. M\u00e9fiez-vous des propositions trop all\u00e9chantes.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>ACPR<\/strong> publie r\u00e9guli\u00e8rement sur son site Internet sa liste des<strong> sites ou entit\u00e9s non autoris\u00e9es<\/strong> \u00e0 proposer des cr\u00e9dits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'infographie \"La fraude au pr\u00eat\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/offre-frauduleuse-banque\" target=\"_blank\" rel=\"noreferrer noopener\">Offres frauduleuses sur le site economie.gouv<\/a> <\/li><li><a href=\"https:\/\/www.banque-france.fr\/fr\/a-votre-service\/particuliers\/arnaques-moyens-paiement-credit-epargne\" target=\"_blank\" rel=\"noreferrer noopener\">Les arnaques sur le site de la Banque de France<\/a><\/li><li>L<a href=\"https:\/\/www.abe-infoservice.fr\/prevention-arnaques\/savoir-detecter-une-arnaque\/les-faux-produits-proposes\/attention-aux-faux-rachats-de-credit\" target=\"_blank\" rel=\"noreferrer noopener\">'arnaque au rachat de cr\u00e9dit sur le site abe info service<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Autres infographies                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres infographies<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave 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Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Arnaques et fraudes types<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Fraude aux livrets et placements : comment reconna\u00eetre et \u00e9viter les arnaques ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-aux-livrets-placements-financiers\/\">\n                Fraude aux livrets et placements : comment reconna\u00eetre et \u00e9viter les arnaques ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Faux livrets boost\u00e9s, placements garantis \u00e0 rendement exceptionnel, crypto-actifs pr\u00e9tendument tr\u00e8s rentables\u2026 la fraude aux livrets et placements fait chaque ann\u00e9e des milliers...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" 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class=\"publication__link\" data-title=\"Fraude au RIB : comment reconna\u00eetre une fausse demande de changement de coordonn\u00e9es bancaires\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-coordonnees-bancaires\/\">\n                Fraude au RIB : comment reconna\u00eetre une fausse demande de changement de coordonn\u00e9es bancaires            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Un message de votre op\u00e9rateur t\u00e9l\u00e9phonique ou fournisseur d&#039;\u00e9nergie\u2026 vous demande de faire d\u00e9sormais vos virements vers ses nouvelles coordonn\u00e9es bancaires (RIB). 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Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/arnaques-cheque\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">La s\u00e9curit\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les principales arnaques au ch\u00e8que<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous recevez un message vous proposant un rachat de cr\u00e9dit \u00e0 un taux imbattable ou une offre de pr\u00eat tr\u00e8s avantageuse ? Curieusement, on vous demande de r\u00e9gler au plus t\u00f4t des frais de dossier... Prudence : il peut s\u2019agir d\u2019une fraude au pr\u00eat, une arnaque de plus en plus fr\u00e9quente. Qu\u2019est-ce que la fraude [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":11701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":22,"views":8884,"viewed_at":"1778495560","newsletter":"1","_yoast_wpseo_primary_category":301,"footnotes":""},"categories":[301,24,284,130,103,4,277,129],"tags":[],"class_list":["post-3742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arnaques-et-fraudes-types","category-garantie-et-securite","category-infographies","category-la-demande-de-credit","category-le-principe-du-credit","category-boite-a-outils","category-mes-credits","category-mon-compte"],"yoast_head":"<title>Fraude au pr\u00eat ou au rachat de cr\u00e9dit : comment \u00e9viter cette arnaque - Arnaques et fraudes types - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"M\u00e9fiez-vous des offres de rachat de cr\u00e9dit trop all\u00e9chantes : la fraude au pr\u00eat vise \u00e0 voler vos donn\u00e9es pour contracter un cr\u00e9dit \u00e0 votre nom.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-au-pret\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fraude au pr\u00eat ou au rachat de cr\u00e9dit : comment \u00e9viter cette arnaque - 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