Cetelem is the major commercial brand of BNP Paribas Personal Finance, the BNP Paribas Group subsidiary leader in personal financing in France and Europe Cetelem pioneered consumer credit in France in 1953 and Internet credit in 1997. The company ranks as number 1 in the market in France and continental Europe, providing a complete range of loans for private individuals to support them in their projects Cetelem is also a referent business partner for banks and insurance companies, e-merchants and retailers who benefit from its expertise in the consumer credit sector. Cetelem, sponsor of responsible lending, commits itself to propose the most adapted offers to its customers through its commercial approach, but also its support policy and financial literacy programs.