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Cetelem

No 1 in consumer finance in continental Europe.

Cetelem, a BNP Paribas company was a pioneer in the field of consumer credit back in 1953 and of Internet credit since 1997. It is now market leader in France and in continental Europe. Cetelem is present in 29 countries 17 of which are rapidly growing emerging markets. Cetelem is also a first choice partner for retailers, banks and insurance companies (such as IKEA, Auchan, Metro Group, Carrefour) all over the world to which it lends its extensive know-how in the field of consumer credit.

As a multi-specialist group, Cetelem offers a complete range of products (including car loans, revolving credit cards, credit cards for loyal customers etc.) and complementary services (such as personal financial services, business services and non-financial services) based on more than 54-year experience in consumer finance. Cetelem is a renowned expert in consumer finance and benefits from its sophisticated IT, risk management and scoring technologies.

Cetelem is strongly committed to the policy of "responsible lending". Risk control is a condition of success that assists customers in managing their budgets efficiently and enables Cetelem to maintain its competitive edge, thus helping to improve its results. Risk control also enables the company to succeed its development strategy and win over top-quality customers.