Direct sale

Crédit Agricole Consumer Finance essentially markets personal loans, loan consolidation, revolving credit, that can be attached to a bank card, insurance on financed purchases, guarantee extension, leases, customer benefits at point-of-sale, etc.

Powerful additional distribution channels

In order to reach all customers  groups and cater to all their different "consumer moments of life ", these products are marketed through additional distribution channels :

• a network of commercial branches through the Sofinco brand ; 
• some call centers ;
• the internet sites www.sofinco.fr and www.finaref.fr.

Focus on Internet 

With its experienced gained from Sofinco and Finaref, Crédit Agricole Consumer Finance is a precursor of the distribution of on-line credit. Crédit Agricole Consumer Finance benefits from a strong experience with in particular the launch, in 1997, of the first online loan site. Today Internet represents an important share of the new financing forms and constitutes a major relay of information for Internet user.

A support personalized upstream... and downstream

Upstream, Crédit Agricole Consumer Finance staff demonstrate responsability and share their experience. The customer's situation is carefully evaluated using dedicated statistical tools (scores) and by complying with acceptance rules which ensure tha the customer's budget is fully taken into account, particularly in terms of debt management.

Whenever customers experience difficulties, often as a result of a lige contingency (job loss, unemployment, illness, divorce), over 400 Crédit Agricole Consumer Finance staff will be on hand to help customers find solutions appropriate to their situation and budget.