{"id":423,"date":"2026-03-30T00:00:00","date_gmt":"2026-03-29T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2017\/08\/21\/financer-son-permis-de-conduire\/"},"modified":"2026-03-31T14:00:25","modified_gmt":"2026-03-31T12:00:25","slug":"financer-son-permis-de-conduire","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/financer-son-permis-de-conduire\/","title":{"rendered":"Financer son permis de conduire"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le permis de conduire est d\u00e9sormais accessible aux jeunes d\u00e8s 17 ans. Son co\u00fbt, souvent plus de 1300 euros, peut \u00eatre un frein pour de nombreux jeunes. Mais il existe de tr\u00e8s nombreuses aides et dispositifs pour les aider. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1 jeune 1 solution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cette<strong> plateforme unique d'information<\/strong> permet de regrouper toutes les aides dans de nombreux domaines. Elle r\u00e9pertorie ainsi toutes les<strong> aides<\/strong> au permis, tant nationales que r\u00e9gionales ou d\u00e9partementales pour le permis. Indiquez votre code postal pour acc\u00e9der \u00e0 la liste des aides disponibles. Vous y trouverez<strong> les conditions d\u2019\u00e9ligibilit\u00e9, les<\/strong> <strong>d\u00e9marches \u00e0 accomplir avec les documents \u00e0 fournir.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous y trouverez aussi de nombreuses informations sur le permis de conduire en lui-m\u00eame :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les d\u00e9marches utiles<\/li><li>le choix de l\u2019auto-\u00e9cole selon vos besoins (\u00e9tablissement pr\u00e8s de chez vous ou en ligne\u2026) ;<\/li><li>les conseils<strong> <\/strong>pour vous pr\u00e9parer de mani\u00e8re efficace \u00e0 l\u2019examen ;<\/li><li>l'inscription \u00e0 l'examen...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui est concern\u00e9 par le pr\u00eat \"permis \u00e0 1 \u20ac par jour\" ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'Etat et les \u00e9tablissements de cr\u00e9dit ont conclu une convention relative aux pr\u00eats destin\u00e9s \u00e0 financer une formation \u00e0 la conduite et \u00e0 la s\u00e9curit\u00e9 routi\u00e8re, dits \"<strong>pr\u00eats permis \u00e0 1 \u20ac par jour<\/strong>\". Le dispositif comprend&nbsp;la formation \u00e0 la conduite de v\u00e9hicules de la cat\u00e9gorie automobile (<strong>permis B<\/strong> \u2013 v\u00e9hicules l\u00e9gers) et moto (<strong>permis A<\/strong>). Il peut aussi financer une formation compl\u00e9mentaire en cas d'\u00e9chec \u00e0 l'\u00e9preuve pratique de l'examen du permis, dans la limite d'un montant de 300 euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez d\u00e9poser une demande de pr\u00eat \"permis \u00e0 1 \u20ac par jour\" si :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>vous avez entre 15 et 25 ans ;<\/strong><\/li><li>l'apprentissage a lieu dans une <strong>\u00e9cole de conduite partenaire <\/strong>de l'Etat.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'obtention du pr\u00eat n'est pas automatique : <strong>comme pour tout cr\u00e9dit, la banque examinera votre dossier et pourra exiger des<\/strong> <strong>garanties<\/strong>. Pour un mineur, ce sont les parents qui empruntent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les caract\u00e9ristiques de ce pr\u00eat ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce pr\u00eat est un<strong> <\/strong>pr\u00eat aid\u00e9 : vous n'avez<strong> pas de frais de dossier ni d'int\u00e9r\u00eats <\/strong>\u00e0 payer,<strong> <\/strong>ceux-ci \u00e9tant pris en charge par l'Etat.<strong> <\/strong>Vous choisissez le montant du pr\u00eat parmi les formules propos\u00e9es (600, 800, 1 000 ou 1 200 euros) \u00e0 condition qu'il ne d\u00e9passe pas le co\u00fbt de la formation. Ce montant peut \u00eatre de 600 euros seulement, si vous b\u00e9n\u00e9ficiez d\u00e9j\u00e0 d'une aide directe de l'Etat ou d'une collectivit\u00e9 locale ou bien si vous souhaitez effectuer un apport personnel. L'argent peut \u00eatre vers\u00e9 en 1, 2 ou 3 fois. La dur\u00e9e du pr\u00eat peut aller de&nbsp;<strong>20&nbsp;mois \u00e0 40&nbsp;mois<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez le rembourser <strong>par mensualit\u00e9 de 30 euros<\/strong> (soit l'\u00e9quivalent d'1 euro par jour). <strong>Vous remboursez seulement le capital emprunt\u00e9<\/strong> puisque l'Etat paie les int\u00e9r\u00eats. En revanche, <strong>c'est vous qui paierez les<\/strong> <strong>primes d'assurance<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous ne disposez pas de revenus suffisants, l'\u00e9tablissement de cr\u00e9dit peut demander le <strong>cautionnement<\/strong> de vos parents ou d'une autre personne solvable. En cas de remboursement anticip\u00e9 du cr\u00e9dit, aucune indemnit\u00e9 ne sera demand\u00e9e.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A savoir : Le dispositif inclut une prise en charge publique du cautionnement du pr\u00eat pour les jeunes qui ne peuvent fournir de cautionnement parental.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les autres aides pour le permis <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 la multitude des aides, on peut citer quelques cas fr\u00e9quents : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Dans le cadre du service national universel (<strong>SNU<\/strong>), vous b\u00e9n\u00e9ficiez notamment de la gratuit\u00e9 de la pr\u00e9paration;<\/li><li>Entre 18 et 25 ans, si vous avez des difficult\u00e9s d'insertion, vous pouvez vous adresser \u00e0 votre mission locale ;<\/li><li>Il est \u00e9galement possible de faire appel au\u00a0<strong>compte personnel de formation<\/strong> ;<\/li><li><strong>La Caf <\/strong>peut aussi proposer un pr\u00eat ou une aide pour le paiement des le\u00e7ons de conduite dans le cadre d'une d\u00e9marche d'insertion professionnelle et pour un montant maximum de 1 200 \u20ac ;<\/li><li>Certaines communes proposent des aides ;<\/li><li>Si vous \u00eates en situation de handicap, renseignez-vous aupr\u00e8s de la maison d\u00e9partementale des personnes handicap\u00e9es (<strong>MDPH<\/strong>) ou encore <strong>l'Agefiph<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\">\u26a0\ufe0fA noter : l'aide forfaitaire de 500 euros\u00a0de l\u2019Etat pour les apprentis ou lyc\u00e9ens professionnels a \u00e9t\u00e9 supprim\u00e9e par la loi de Finances pour 2026. Il en sera de m\u00eame \u00e0 compter du 1er avril 2026 pour l'aide de France Travail.<\/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'article : \"Financer son permis de conduire\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.securite-routiere.gouv.fr\/passer-son-permis-de-conduire\/financement-du-permis-de-conduire\/permis-1-eu-par-jour\/definition-du\">Le permis \u00e0 un euro par jour sur le site de la s\u00e9curit\u00e9 routi\u00e8re<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/actualites\/A17304?xtor=EPR-100\" target=\"_blank\">Soutien financier - D\u00e9couvrez les aides au permis de conduire sur 1jeune1permis<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/comment-financer-permis-conduire\" target=\"_blank\">Comment financer votre permis de conduire ? sur economie.gouv.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.caf.fr\/allocataires\/caf-de-la-vienne\/offre-de-service\/vie-personnelle\/je-suis-parent\/aide-l-obtention-du-permis-de-conduire#:~:text=Quel%20montant%20%3F,Montant%20maximum%20%3A%201%20200%20%E2%82%AC.\" target=\"_blank\">Aide \u00e0 l'obtention du permis de conduire sur Caf.fr<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div 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media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/aides-etudiant-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/aides-etudiant-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/aides-etudiant-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/aides-etudiant.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\">Financer ses \u00e9tudes<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les aides financi\u00e8res pour \u00e9tudiant<\/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>Le permis de conduire est d\u00e9sormais accessible aux jeunes d\u00e8s 17 ans. Son co\u00fbt, souvent plus de 1300 euros, peut \u00eatre un frein pour de nombreux jeunes. Mais il existe de tr\u00e8s nombreuses aides et dispositifs pour les aider. 1 jeune 1 solution Cette plateforme unique d'information permet de regrouper toutes les aides dans de [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6315,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":9,"views":4789,"viewed_at":"1778486874","newsletter":"0","_yoast_wpseo_primary_category":61,"footnotes":""},"categories":[60,59,270,61],"tags":[],"class_list":["post-423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etudiant","category-jai-des-enfants","category-mes-moments-de-vie","category-son-budget"],"yoast_head":"<title>Financer son permis de conduire - Son budget - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Il existe de nombreuses aides et dispositifs pour vous aider \u00e0 financer votre permis de conduire dont le pr\u00eat permis \u00e0 1 \u20ac par jour.\" \/>\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\/financer-son-permis-de-conduire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financer son permis de conduire - 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