Cetelem is a financial services company that specializes in consumer credit. Founded in France in 1953, it offers various lending solutions, including personal loans, credit cards, and financing options for purchases. Cetelem aims to provide flexible financial solutions to help individuals manage their expenses and achieve their goals. As part of the BNP Paribas group, Cetelem operates in several countries across Europe and Latin America. The company focuses on responsible lending practices and works to ensure that customers can make informed financial decisions. Cetelem's services are designed to meet the diverse needs of consumers in different markets.