Taux d'intérêt légal — France Scraper

An Apify Actor that retrieves the official French legal interest rate (taux d'intérêt légal) published semi-annually on service-public.fr.

This rate is used in France to calculate late-payment penalties, court-ordered interest, and contractual defaults when no specific rate is agreed upon (Article L. 313-2 of the French Monetary and Financial Code).

Since the reform of 1 January 2015 (Ordonnance n°2014-947), two separate rates apply:

• Créancier particulier — creditor is a private individual not acting for professional purposes
• Créancier professionnel — other cases (notably when the creditor is a professional)

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Output

{
  "scrape_date": "2026-03-15",
  "source": "https://www.service-public.fr/particuliers/vosdroits/F783",
  "scrape_method": "live",
  "note": "Two rates since 1 Jan 2015 (Ordonnance n°2014-947).",
  "taux": [
    {
      "annee": 2026,
      "semestre": 1,
      "periode": "2026-S1",
      "date_debut": "2026-01-01",
      "date_fin": "2026-06-30",
      "creancier_particulier": 6.67,
      "creancier_professionnel": 2.62
    },
    {
      "annee": 2025,
      "semestre": 2,
      "periode": "2025-S2",
      "date_debut": "2025-07-01",
      "date_fin": "2025-12-31",
      "creancier_particulier": 6.65,
      "creancier_professionnel": 2.76
    }
  ]
}

Field reference

Field	Type	Description
periode	string	Semester identifier, e.g. "2026-S1"
annee	integer	Calendar year
semestre	integer	1 (Jan–Jun) or 2 (Jul–Dec)
date_debut	string	Start date of the period (ISO 8601)
date_fin	string	End date of the period (ISO 8601)
creancier_particulier	float	Rate (%) when creditor is a private individual
creancier_professionnel	float	Rate (%) for other cases (professional creditor, etc.)

scrape_method values

Value	Meaning
live	Table parsed from the live service-public.fr page
official_fallback	Site unreachable or layout changed; hardcoded official data used

---

Historical rates (2015–2026)

Période	Créancier particulier	Créancier professionnel
2026-S1	6.67 %	2.62 %
2025-S2	6.65 %	2.76 %
2025-S1	7.21 %	3.71 %
2024-S2	8.16 %	4.92 %
2024-S1	8.01 %	5.07 %
2023-S2	6.82 %	4.22 %
2023-S1	4.47 %	2.06 %
2022-S2	3.15 %	0.77 %
2022-S1	3.13 %	0.76 %
2021-S2	3.12 %	0.76 %
2021-S1	3.14 %	0.79 %
2020-S2	3.11 %	0.84 %
2020-S1	3.15 %	0.87 %
2019-S2	3.26 %	0.87 %
2019-S1	3.40 %	0.86 %
2018-S2	3.60 %	0.88 %
2018-S1	3.73 %	0.89 %
2017-S2	3.94 %	0.90 %
2017-S1	4.16 %	0.90 %
2016-S2	4.35 %	0.93 %
2016-S1	4.54 %	1.01 %
2015-S2	4.29 %	0.99 %
2015-S1	4.06 %	0.93 %

---

Input

Parameter	Type	Required	Default	Description
annee	integer	No	(all years)	Filter to a specific year (e.g. 2024). Supported: 2015–2030.

Example input

{ "annee": 2024 }

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How it works

1. Fetch the service-public.fr page using got-scraping with realistic browser headers.
2. Parse the first <table> with Cheerio — ignoring the second table which contains the augmented penalty rates (taux majorés).
3. Structure the data sorted most-recent first.
4. Fallback — if live scraping fails, the Actor returns hardcoded official data (2015–2026) and sets scrape_method: "official_fallback".

---

Running locally

npm install

# All years
npm start

# Filter to a specific year
echo '{"annee": 2025}' > storage/key_value_stores/default/INPUT.json
npm start

Requires Node.js 18+.

---

Legal context

• Legal basis: Article L. 313-2 du Code monétaire et financier
• Published by: Ministère chargé de l'économie — arrêté au Journal Officiel
• Frequency: Twice a year — 1 January and 1 July
• Typical users: Lawyers, accountants, payroll software, debt collection platforms, legal tech

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License

Apache-2.0