LOA: soon the right to buy back your car at any time

How much does it really cost to rent with an option to purchase (LOA) of a car, a television or photovoltaic panels? Difficult to say since the only information available to the buyer (the tenant, in reality) is the initial capital that must be provided, the amount of rent to be paid each month and the price at which he will be able to purchase the property, if he wishes, at the end of the planned rental years. This will change from November 20, 2026.

Better, for contracts signed after this date, the tenant will be able to stop the costs and buy their car or television at any time, without having to pay all the expected interest. This is one of the effects of the second European directive on consumer credit, transposed in France by the ordinances of September 3, 2025 and December 2, 2025.

“Rental with purchase option was already assimilated in French law to a credit transaction. The new regulations, however, go much further in their approximation…