Loca-Pass is a zero-interest advance loan from Action Logement (a public housing fund) to help tenants pay their security deposit (caution locative). The advance covers up to 100% of the deposit, with a maximum of €1,200. Repayment starts 3 months after the advance is disbursed, at a rate of €20/month minimum, over a maximum of 25 months. For students: no income condition, open to all students under 30.

Who is eligible for Loca-Pass?

Loca-Pass is open to: young people under 30 (employees, students, work-study students, or job seekers), employees of private sector companies (no age limit for employees), and beneficiaries of professional training. For international students under 30: the advance is accessible regardless of nationality, provided you have a valid residence permit (VLS-TS or residence permit card) and a lease in your name.

How to apply for Loca-Pass?

Apply online on actionlogement.fr before signing your lease. Required documents: identity document or residence permit, lease or promise of lease signed by the landlord, French RIB, and proof of your situation (student card, enrollment certificate). Processing time: 3 to 5 business days. The advance is paid directly to the landlord on the move-in date.

What is the difference between Loca-Pass and Visale?

Loca-Pass is a zero-interest advance loan to pay the security deposit at the start of the tenancy — you repay it over 25 months. Visale is a free rent guaranty that protects the landlord against unpaid rent and charges for up to 36 months — it replaces the need for a physical guarantor. Both are from Action Logement and are complementary: Loca-Pass covers the initial deposit, Visale covers the ongoing rent guaranty.

Loca-Pass — Deposit Advance & Rent Guarantee

Loca-Pass provides a zero-interest advance of up to €1,200 for the security deposit (caution), repaid over 25 months — accessible to students under 30 with no income condition, including international students with a valid residence permit.

Dernière vérification : 1 mars 2026

Loca-Pass — Zero-Interest Security Deposit Advance from Action Logement

Up to €1,200 zero-interest advance for your security deposit — students under 30, no income condition

Loca-Pass is an interest-free advance loan from Action Logement to help tenants pay their security deposit (caution locative) when moving in. The security deposit in France is typically 1 month of rent (private housing) or no deposit at all (CROUS residences).

Key figures

Element	Details
Maximum amount	€1,200 (100% of deposit)
Interest rate	0% (zero-interest)
Repayment start	3 months after move-in
Repayment rate	Minimum €20/month
Maximum repayment period	25 months
Who	Students under 30, no income condition
Application	actionlogement.fr — before signing lease

Combined Loca-Pass + Visale strategy

For international students without a French guarantor:

Apply for Visale first (visale.fr) — to have the rent guaranty in place
Present Visale certificate to landlord (replaces the need for a guarantor)
Apply for Loca-Pass once lease is agreed (actionlogement.fr) — to cover the deposit
Move in — Loca-Pass pays the deposit directly to the landlord
Repay Loca-Pass over 25 months at €20/month minimum

This combination makes you a very attractive tenant: the landlord gets both a guaranty (Visale) and the deposit (Loca-Pass) with no guarantor needed.

Official sources

Conseil expert

Apply for Loca-Pass on actionlogement.fr before signing your lease — you need the advance in place before you can pay the security deposit to the landlord. Processing time is 3 to 5 business days if all documents are complete.

Conseil expert

Combine Loca-Pass (deposit advance) with Visale (rent guaranty) — together they provide both the initial deposit payment and ongoing rent guaranty that most private landlords require. Both are from Action Logement and are free.

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Loca-Pass — Deposit Advance & Rent Guarantee

Loca-Pass — Zero-Interest Security Deposit Advance from Action Logement

Up to €1,200 zero-interest advance for your security deposit — students under 30, no income condition

Key figures

Combined Loca-Pass + Visale strategy

Official sources

Conseil expert

Conseil expert

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