Cetelem Financing
Why Cetelem funding
Personal Credit allows you to support the realization of your projects: remodeling the house for greater comfort, buying more efficient appliances, opting for renewable energies, investing in your training or that of your children, betting on your health and well-being are just a few examples of well-thought-out projects. With different monthly payments, terms and financing amounts, find the financing solution that best suits your budget in the personal loan simulator.
Personal credit. Ex. for € 600 paid in 12 monthly instalments of €53.11. An ISUC of € 10.56 is added to the 1st monthly fee. APR 15.7%, TAN 10.86%. MTIC €647.88. Credit subject to approval by Cetelem, BNP Paribas Personal Finance, S.A., Branch in Portugal (BdP Registration 848), with which information must be obtained. "TROPHYFLASH, LDA" presents this consumer credit product and acts as an ancillary and non-exclusive credit intermediary.
FAQs
> Who is eligible to apply for a funding application? Private citizen, aged 18 and over, who declares income. The holder of the order and its invoice must be the holder of the financing.
> When will the first monthly fee be charged? On the 1st working day of each month, by direct debit from the bank account you indicate in your contract.
> Can I put 2nd holder in my contract? Yes, as long as it is an immediate family member (e.g., parent or spouse).
> I have the possibility to amortize or settle the credit agreement, can I do it?
Yes, just contact Cetelem to clarify how you can do it.
> How long does it take to review my credit application?
It may take a maximum of 2-3 business days for your response. If your proposal is accepted, you will receive your contract by email.
>Is it safe to sign documentation digitally?
The digital signature process is a process provided by Inforcert, a certified partner in accordance with the European electronic signature legislation. This process consists of sending a unique, personal and non-transferable code to each customer, allowing them to digitally sign their contracts. Through this process, your digital signature has the same validity as the handwritten signature, just as if you had signed the contract on a paper version. >Who is Infocert and why is this company that generates a certificate for my digital signature? |
Infocert is a certified entity, selected by Cetelem, responsible for the technological process of digital signature, in accordance with the European legislation on electronic signatures. Learn more about the company here. >In what format should I upload the files with my documentation? You can upload the documents in PDF, JPG and PNG formats. Please note, each of the documents cannot be larger than 8MB. >I did not receive the SMS to sign the contractual documentation digitally. What should I do? The SMS code, personal and non-transferable, is sent directly to the mobile phone filled in in the credit application process. If you have not received it, ask for a new code, selecting the option "did not receive a code?" and a new SMS will be sent. |
If you still don't receive the SMS, check that the mobile phone number you entered during the credit application is correct. To do this, you must check that in the particular conditions (1st page) of the contract automatically sent to your email or on your mobile phone is correct. If it is not OK, you should contact us at 21 721 90 00 (Customer Support on weekdays from 9 am to 6 pm). >What is Order Status? An area where you can check the status of your credit application, sign your contract and send documents digitally. To access this area click here, enter the NIF and on the mobile phone and you will receive an SMS with an authentication code. >How can I access the digitally signed contract? If your request is still under review, you can consult the contractual documentation you signed in the "Order Status" area. After approval, you can continue to temporarily consult your digitally signed agreement in the "Order Status" area. After signing, your credit agreement will be |
will be available to you in your Cetelem Homebanking, being available at all times. > How can I learn more about Cetelem or clarify any questions regarding the Cetelem financing request? |
At BNP Paribas Personal Finance we are specialists in consumer credit, and known in the market by the Cetelem brand. For a more personalized service click here or through the Cetelem APP.
