Cetelem, one of the best 100% online financing solutions.

What makes us different?

You can finance 100% of your purchase.No credit card (We do not need you to provide us with any of your credit card information).
You won’t pay the first bill until next month.

FAQ

What is Cetelem?
Cetelem belongs to the BNP Paribas Group and since 1988 we are specialists in granting consumer credit. We are a company specialized in granting consumer credit, online credit and cards, belonging to the BNP Paribas Group since 1988.

What documentation do I need to finance?
If you are already a Cetelem customer and have a credit line with us, you only need to accept your financing by entering a PIN code that we will send to your cell phone without filling out any forms or sending any documentation.

If you are a new Cetelem customer or do not have a credit line with us, the documents we will need from you are:

ID card on both sides or residence card
(In the case of foreign residents, we will also need the official identity document of your country signed or valid passport).

Proof of income
(last paycheck if you are a salaried employee, last income tax return if you are self-employed, or pension revaluation letter if you are a pensioner).

First page of the bank book or a direct debit receipt showing the IBAN code and the account holder, who must be the same person who is applying for the financing.

What is the amount I can finance?
Minimum amount to finance ≥ 90€ and minimum monthly payment ≥ 12€. We do not have established a maximum amount to finance, but we are very committed to grant a responsible credit adapted to the needs of each client.

When do I start paying my financing?
The first bill will be sent to your bank account on the 5th day of the month following the financing. If the financing is done between the 25th and 31st, the first bill will be issued on the 5th day of the 2nd month in which the financing was done.

If I have any questions, how can I contact Cetelem?
You can make your queries through the chat that appears during the financing process, if you prefer by phone 917 90 97 38 or through our email ecommerce@cetelem.es.

What is the process I have to follow to finance my purchase?
The process is very simple:

Choose the products you want to buy on the web.
Once in the shopping cart, choose the payment method “Financing with Cetelem”.

You will then be directed to our financing process, where you will be able to finance your purchase in just a few steps and 100% online:

If you are a Cetelem customer and already have a credit line, you will only need to accept your financing by entering a PIN code that we will send you by SMS to your cell phone.

If you don’t have a credit line or you are a new customer, you can finance your purchase in less time than you expect. You will only need to attach the documentation detailed in point two: What documentation do I need to finance?

Do you need more information about Cetelem products?
You can learn more about our products at www.cetelem.es

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