Cetelem is the trademark in France of BNP Paribas Personal Finance, which is a wholly-owned subsidiary of BNP Paribas and No. 1 in retail financing in France and Europe. Located in thirty countries, it has 17,500 employees and 27 million customers. Cetelem offers its customers a wide range of financial products, personal loans, revolving loans with or without a credit card, car loans or for work, directly or at point of sale. The offer is complemented by insurance and savings products for sustainable customer support, with a view to securing its budget. Cetelem is committed to distributing Responsible Credit® , with a vision that is both simple and demanding: fostering access to credit for as many people as possible while fighting over-indebtedness. At the same time, BNP Paribas Personal Finance makes its financial products or services available to its partners either on its own account or in collaboration: major retailers, automotive manufacturers and distributors, webmarchands and financial institutions market integrated services and products adapted to their business and Commercial strategy under their own brand.