Financing solutions for individual customers

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Financing solutions for individual customers

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PRIVATE CLIENTS

Tailor-made solutions to support projects

Personalized and innovative solutions, proximity and responsibility are at the heart of the Crédit Agricole Consumer Finance offer. We provide simple, clear and reasoned access to various consumer credits and insurances, as well as support adapted to each project and each client profile.

17.2 million

customers

€113 billion

of managed outstandings at the end of 2023

 

Offers adapted to client’s projects

Crédit Agricole Consumer Finance supports its customers in carrying out their projects with a range of personalized offers and services. It also offers a range of mobility services and solutions in Europe.

  1. Possibility of insuring a property financed by a consumer credit in one of our partner brands,
  2. Protect your property (car, housing, etc.), in France and abroad,
  3. Insure your real estate purchase with borrower insurance that adapts to all profiles: active, retired, student or unemployed,
  4. Prepare for the future, manage your e-reputation and anticipate hardships with our pension solutions (e-reputation insurance, funeral cover, legal protection, etc.).

 

Lease financing and Long-term rental, how does it work?

Lease financing can be used for a vehicle or other property. The customer then has it in return for a monthly rent and can, if he wishes, buy the property at the end of his contract.

Crédit Agricole Consumer Finance also offers long-term rental (LTR) offers to finance the purchase of a vehicle. The LTR offer makes the vehicle available for a fixed period and includes services such as servicing and maintenance. In France, Agilauto, the car leasing and eco-mobility solutions platform of CA Consumer Finance and CAL&F distributes LTR offers with the Regional Banks, LCL, Sofinco but also via the Agilauto website, for all markets.

LTR is also one of the mobility solutions marketed by Crédit Agricole Auto Bank, the pan-European car financing, rental and mobility player resulting from the acquisition of 100% of FCA Bank by Crédit Agricole Consumer Finance.

Finally, Crédit Agricole Consumer Finance and Stellantis have together created a joint venture in equal shares, Leasys, whose ambition is to be a European multi-brand leader in LLD with a presence in eleven countries for all customers, professionals, businesses and individuals.

 

Facilitating access to green mobility

Crédit Agricole Consumer Finance aims to be a European leader in green mobility and offers a continuum of all mobility solutions in the 22 countries where it is: leasing, medium and short-term rental (Drivalia), subscription (Drivalia), urban and rural car-sharing (E+ Share Drivalia and Agilauto Partage), installation of charging stations, etc.

 

Ensuring the protection of our customers

As a responsible player in consumer credit, Crédit Agricole Consumer Finance is committed to consumer protection. Our credit acceptance procedures allow our customers to make informed choices. Our teams make them aware of the characteristics of the products subscribed to as well as the commitments they make, and help them set reimbursements adapted to their budgetary situation.

Crédit Agricole Consumer Finance has a support agency in France for financially vulnerable customers. Based on a personalized budget diagnosis, we offer them suitable solutions. In addition, our budget education actions make it possible to act upstream to prevent difficulties.

 

The strength of a group in the consumer credit market

Crédit Agricole Consumer Finance is one of the top 3 consumer credit players in Europe, with almost 10,000 employees in 20 European countries, Morocco and China. We are part of the Crédit Agricole Group, the largest financier of the French economy and one of the leading banks in Europe. Thanks to its local full-service banking model, Crédit Agricole Group supports its customers in their projects in France and around the world.

 

Facilitate procedures for accessing credit

Our financing and insurance solutions are accessible through a vast network in France and abroad, in agencies and online:

Through the banks we work with (Crédit Agricole Regional Banks, LCL and BforBank in France, Crédit Agricole Italia in Italy, Crédit du Maroc in Morocco).

In Sofinco branches in France, Agos branches in Italy, Creditplus branches in Germany, Credibom branches in Portugal, Wafasalaf branches in Morocco and on our websites:

With our institutional partners, distribution partners, manufacturers and dealers (car, motorcycle, leisure vehicle, etc.).

We are also constantly innovating to simplify procedures for accessing credit without sacrificing anything on security on our websites and our mobile applications, via electronic signature, digitization of supporting documents, automatic recognition of clients in their personal online space, or the provision of simulators.

In 2022, Sofinco was voted "Best Mobile UX" by Google in the Credit category in France.

AREAS Convention

The AERAS agreement facilitates access to insurance and credit for people presenting an aggravated health risk. For more information, visit the website: www.aeras-infos.fr

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Financing solutions for individual customers