BNP Paribas Personal Finance, an innovative strategy

The credit market in which BNP Paribas Personal Finance operates is currently metamorphosing.

Public authorities, opinion leaders and the general public as well as existing customers are keen to see a new, more responsible, credit market emerge. As the market leader, BNP Paribas Personal Finance, operating under the Cetelem brand name, has been setting an example for several years by gearing its initiatives and thinking towards greater transparency and shared responsibility.


Responsible growth


As a responsible market player, back in 2004 BNP Paribas Personal Finance decided to promote responsible lending® by:

  • Selling its credit services to private individuals in a responsible fashion.
  • Providing clear and transparent information.

Combining growth with responsibility has resulted in BNP Paribas Personal Finance:

  • Communicating on the key responsible lending indicators in a transparent fashion: the rejection rate, the percentage of loans that have been fully repaid, the risk rate.
  • Setting up the www.moncreditresponsable.com website to provide the French population with free information on all aspects of individual loans – consumer credit and mortgage financing - , irrespective of whether or not they are Cetelem customers.
  • Launching the 1st ever information service dedicated to credit, accessible by e-mail.
  • Setting up its independent Mediation system.


BNP Paribas Personal Finance is the first to tackle excessive debt by offering its customers help and support over the long-term, even when the going gets tough.