Cetelem, which is part of the BNP Paribas group and has been operating in Portugal since 1993, markets several products related to private financing solutions.
Cetelem credit: what solutions are offered?
In order to adapt to different situations and needs of its clients, Cetelem’s offer covers several personal credit proposals for different purposes.
Flexible financing is available for home remodeling / works: amount up to 50 thousand euros with a repayment of 12 to 120 months. You can subscribe online or by phone, with pre-approval and immediate decision and financing within 48 hours of receipt of the agreement.
This credit does not have opening fees nor does it require you to subscribe additional products to obtain better terms. Monthly and rate are fixed, so that the consumer always knows what to count on.
This institution also provides a specific loan for vacations, both those that cover more distant destinations and those that take place in nearby places, with a repayment ranging from 12 to 36 months. This credit enables the insurance to be insured in order to protect the consumer against unforeseen events.
Projects up to 2,400 euros
For those who need to pay the payment of their new television or for those who need to buy a new computer to work, for example, it is possible to borrow Cetelem for small projects. The maximum amount of financing for this solution is up to 2,400 euros and the repayment period can go from 12 to 36 months.
Imagining that urgent repair of a car or new appliances is required, for example, Cetelem finances the realization of projects like this, with the most diverse purposes, up to 50 thousand euros and with a repayment term of 12 to 120 months . This process is fast and simple, with no guarantors or guarantees.
Last but not least, one of Cetelem’s most important products is car loans. It is possible to apply for this type of loan for both used and new cars.
One of the major advantages of this loan is that it is a 100% financing – therefore, applied to the entire value of the vehicle and without the need for initial entry. In addition, there is no charge for opening commissions or early repayment.
It is a credit without reservation of ownership, the car always being in the customer’s name from the first day.
There is also the possibility of the client postponing gratuitously two monthly payments to the end of the contract, if he so wishes.
Car credit for used cars
If the customer finds a used car, whether it is a newer or even very old one, you can purchase it using this Cetelem loan, either at a dealership or at a dealer, at a stand or even online. Cetelem also allows the consumer to include, in the amount financed, an extra amount for expenses related to painting or possible repairs in the vehicle. The repayment term of the car loan for used cars of this financial institution can go from 12 to 120 months and the amount is between 2,500 euros and 50,000 euros.
Car loans for new
If the consumer option passes through the acquisition of a new vehicle, it may require an extra amount, along with the financing, to pay for administrative expenses, insurance and extras. The fee is fixed throughout the contract period, the repayment period can be chosen between 24 and 120 months, while the amount is between 5 thousand euros and 50 thousand euros.
Motorcycle and other vehicle credit
In addition to the purchase of a car, Cetelem’s car loan also allows the purchase of other vehicles, such as motorcycles.