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Our solutions

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.

  • For a one-time purchase, the versatility of depreciable credit: A financing solution with a fixed repayment, limited in time. Two options are possible: the personal loan distributed directly, and the credit at the point of sale directly linked to the property sold.
  • To smooth out expenses, the flexibility of revolving credit: Offered directly or at the point of sale, it provides customers with a sum of money that can be reused over time to finance their purchases. The amount made available determines the maximum repayment period.
  • To facilitate budget management, the simplicity of buying back credits: It is a single credit that replaces several existing credits. It allows simpler and clearer management of reimbursements.
  • To respond to new uses, rental formulas and subscriptions: For a growing number of consumers, the use of a good (car, high tech, etc.) no longer necessarily involves its acquisition. It is to meet these new expectations that we offer rental offers with option to purchase, as well as long-term rental (LTR) but also short and medium term rental or subscription.
  • To pay in 3x or 4x, split payment: It is a payment facility offered on e-commerce platforms and in stores to pay for an item in several instalments (3 or 4 instalments in the majority of brands) and thus spread out your expenditure over time. Historically devoted to high-tech purchases and household appliances, split payment has now developed in many other consumer universes (travel, clothing, optics, etc.).
  • To protect yourself and your property, insurance and provident solutions: Crédit Agricole Consumer Finance offers a diversified range of insurance covering a large number of needs and moments in life.
  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

In france

Crédit Agricole Consumer Finance France

In France, Crédit Agricole Consumer Finance offers in France mainly through its commercial brands Sofinco, Sofinco Auto Moto Loisirs and CreditLift Courtage, a wide range of financing solutions and associated services: revolving and instalment credit, credit repurchase, leasing, credit cards and related services (insurance, affiliate programs).

Go to the page

Sofinco

For over 70 years, Sofinco supports the French to realize their life projects. It is today one of the leaders in consumer credit and partnerships in France and offers a large catalog of offers (financing, services, insurance, split payment, etc.) to adapt to everyone's needs, to the development of e-commerce and the energy transition challenges of its clients.

Go to the page Access the site

Worldwide

Agos

Agos, owned by CA Consumer Finance (61% of total share) and Banco BPM (39%), ranks among the leaders of the consumer lending market in Italy. Agos covers the entire Italian territory, Crédit Agricole Consumer Finance’s number 2 market after France, with 230 branches and 30,000 partner points of sale.

Go to the page Access the site

Wafasalaf

Wafasalaf has two shareholders : CA Consumer Finance (49% of shares) and Attijariwafa Bank (51% of shares), the leader in consumer lending in Morocco. The subsidiary is present across all market segments: household goods, automobiles and motorcycles, and banking partnerships. Thanks to its partners Attijariwafa Bank, Crédit du Maroc (Crédit Agricole Group), and Crédit Agricole du Maroc, Wafasalaf is connected to more than 2,000 banks.

Go to the page Access the site

Sofinco España

Sofinco Spain is a fully owned subsidiary of Crédit Agricole Consumer Finance since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Consumer Finance Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.

Go to the page Access the site

Credibom

Credibom is Portugal’s leader in point-of-sale automobile financing. The subsidiary has deployed more than 100 partnerships with various specialised retail points of sale to provide a wide variety of offers to finance purchases of vehicles, personal products, and household goods.

Go to the page Access the site

Creditplus

Creditplus is a consumer lending specialist in Germany with more than 50 years of experience in sales financing. Creditplus has 17 branches in Germany and is the leader in two-wheeled vehicle financing on this market.

Go to the page Access the site

BANKING PARTNERS

Products and services to generate revenue, and a tool to encourage customer loyalty

Consumer credit is a finance solution which meets the needs of Crédit Agricole’s retail bank customers and encourages their loyalty. Crédit Agricole Consumer Finance offers its banking partners its expertise. This approach fosters the development of synergies we have within the group, and is a cornerstone of the Crédit Agricole Group strategy.

+ 3.3%

in assets managed for the account of our banking partners across the Crédit Agricole Group (compared to 2021)

Making Crédit Agricole Group synergies more productive

Strengthening synergies with the retail banks of the Crédit Agricole Group in France (Caisses Régionales du Crédit Agricole, LCL, BforBank) and in Italy (Crédit Agricole Italia) is one of our priority objectives.

Our mission? Support these banks in their conquest of leadership in the consumer credit market and facilitate access to green mobility for their customers.

 

Innovative offerings to boost our partners’ growth

Developing new products and services means we can satisfy the expectations of customers who are looking for solutions that are right for them, and generate additional income for our partners.

Digital technology: fast-tracking loan sales

We are capitalising on the digital transformation that we are undergoing with our automotive partners and specialist distributors to offer cutting-edge solutions to banking networks in the Crédit Agricole Group, to offer benefits to their customers such as paperless online processes, digital signatures on tablets, and the conversion of supporting documents using OCR. Bespoke training courses are at the core of this co-constructive approach, during which our customers also benefit from our innovative products and services, transparent communication and experience. 

 

Support for sales teams

Our teams provide training to sales staff in the specifics of multichannel consumer credit, and support them while they set up their sales and marketing solutions, most notably via the use of a hotline and support services. This unique expertise is something that makes Crédit Agricole Consumer Finance stand out from the rest of the market.

With the Digi Conso 3.0 project in France, we are completely redesigning the consumer credit process for Regional Bank and LCL clients and advisors. Objective: to take out a loan in 15 minutes.

In Italy, our subsidiary Agos has launched a new 100% online offer, from application to loan completion, for Crédit Agricole Italia network customers, which has enabled them to make super-fast online loan applications a reality.

With Agilauto, the car leasing and eco-mobility solutions platform of CA Consumer Finance and CAL&F in France, we distribute long-term rental offers for all markets and Lease financing with the Regional Banks of Crédit Agricole and LCL. 

 

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

In france

Crédit Agricole Consumer Finance France

In France, Crédit Agricole Consumer Finance offers in France mainly through its commercial brands Sofinco, Sofinco Auto Moto Loisirs and CreditLift Courtage, a wide range of financing solutions and associated services: revolving and instalment credit, credit repurchase, leasing, credit cards and related services (insurance, affiliate programs).

Go to the page

CréditLift Courtage

CréditLift Courtage designs, produces and distributes innovative, attractive and responsible financing solutions for the intermediation market.

CréditLift Courtage consists of a multidisciplinary and complementary team which provides long-term active support for its customers in the marketplace.

Go to the page

Sofinco

For over 70 years, Sofinco supports the French to realize their life projects. It is today one of the leaders in consumer credit and partnerships in France and offers a large catalog of offers (financing, services, insurance, split payment, etc.) to adapt to everyone's needs, to the development of e-commerce and the energy transition challenges of its clients.

Go to the page Access the site

Worldwide

Agos

Agos, owned by CA Consumer Finance (61% of total share) and Banco BPM (39%), ranks among the leaders of the consumer lending market in Italy. Agos covers the entire Italian territory, Crédit Agricole Consumer Finance’s number 2 market after France, with 230 branches and 30,000 partner points of sale.

Go to the page Access the site

Wafasalaf

Wafasalaf has two shareholders : CA Consumer Finance (49% of shares) and Attijariwafa Bank (51% of shares), the leader in consumer lending in Morocco. The subsidiary is present across all market segments: household goods, automobiles and motorcycles, and banking partnerships. Thanks to its partners Attijariwafa Bank, Crédit du Maroc (Crédit Agricole Group), and Crédit Agricole du Maroc, Wafasalaf is connected to more than 2,000 banks.

Go to the page Access the site

Sofinco España

Sofinco Spain is a fully owned subsidiary of Crédit Agricole Consumer Finance since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Consumer Finance Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.

Go to the page Access the site

Credibom

Credibom is Portugal’s leader in point-of-sale automobile financing. The subsidiary has deployed more than 100 partnerships with various specialised retail points of sale to provide a wide variety of offers to finance purchases of vehicles, personal products, and household goods.

Go to the page Access the site

Creditplus

Creditplus is a consumer lending specialist in Germany with more than 50 years of experience in sales financing. Creditplus has 17 branches in Germany and is the leader in two-wheeled vehicle financing on this market.

Go to the page Access the site

DISTRIBUTION AND E-COMMERCE PARTNERS

Solutions to support sales and build customer loyalty

The major challenge for us is to help our distribution and e-commerce partners speed up their customers' projects, both in-store and online. Developing innovative customised solutions, supporting teams and providing operational support are the pillars of our support approach, which our partners appreciate.

Around 7,000

Crédit Agricole Consumer Finance distribution partners

Improving sales and building customer loyalty

In the traditional distribution sector, going online prior to purchasing an item helps ramp up the conversion rate when visiting the store. However, most consumers start their shopping journey online, then complete their purchase in the store. Our digital expertise is decisive in supporting the transformation of commerce and improving customer loyalty for our partners. In addition, whether in store or for an online purchase, easy and quick access to consumer credit increases the average basket size.

KYC (Know Your Customer) is also central in our partners' loyalty initiatives. This is why we offer them solutions for collecting, scoring and managing customer data.

 

Helping increase customer satisfaction by supporting sales teams

Thanks to digitization, consumers are increasingly well informed, creating higher expectations for the in-store sales teams. To meet these needs, Crédit Agricole Consumer Finance offers training for our partner's sales forces so they are equipped with adequate tools and remain up-to-date with today's digital practices.

 

Optimising customer journeys through digital technologies

Both online and in-store, consumer credit is a powerful sales lever. Developing and rolling out innovative tools and solutions like 100% digital applications, electronic tablet signatures and fast order solutions such as click & connect and connected buttons, have demonstrated Crédit Agricole Consumer Finance's digital know-how. We also advise our partners on how to optimise their online sales site's user experience to improve sales.

In 2023, Sofinco was voted "Best Finance UX" by Google in the Credit category in France.

 

Supporting our partners' international development

As a leader in the European consumer credit market, our international stature gives us a detailed, broad knowledge of specialised distribution through the 21 countries in which we operate. This gives us a decisive competitive advantage in supporting our partners in developing their current markets and expanding into new ones. Our know-how in digital services and solutions also helps open up new customer segments in e- and m-commerce.

In france

Sofinco

For over 70 years, Sofinco supports the French to realize their life projects. It is today one of the leaders in consumer credit and partnerships in France and offers a large catalog of offers (financing, services, insurance, split payment, etc.) to adapt to everyone's needs, to the development of e-commerce and the energy transition challenges of its clients.

Go to the page Access the site

Worldwide

Agos

Agos, owned by CA Consumer Finance (61% of total share) and Banco BPM (39%), ranks among the leaders of the consumer lending market in Italy. Agos covers the entire Italian territory, Crédit Agricole Consumer Finance’s number 2 market after France, with 230 branches and 30,000 partner points of sale.

Go to the page Access the site

Wafasalaf

Wafasalaf has two shareholders : CA Consumer Finance (49% of shares) and Attijariwafa Bank (51% of shares), the leader in consumer lending in Morocco. The subsidiary is present across all market segments: household goods, automobiles and motorcycles, and banking partnerships. Thanks to its partners Attijariwafa Bank, Crédit du Maroc (Crédit Agricole Group), and Crédit Agricole du Maroc, Wafasalaf is connected to more than 2,000 banks.

Go to the page Access the site

Sofinco España

Sofinco Spain is a fully owned subsidiary of Crédit Agricole Consumer Finance since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Consumer Finance Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.

Go to the page Access the site

Credibom

Credibom is Portugal’s leader in point-of-sale automobile financing. The subsidiary has deployed more than 100 partnerships with various specialised retail points of sale to provide a wide variety of offers to finance purchases of vehicles, personal products, and household goods.

Go to the page Access the site

Creditplus

Creditplus is a consumer lending specialist in Germany with more than 50 years of experience in sales financing. Creditplus has 17 branches in Germany and is the leader in two-wheeled vehicle financing on this market.

Go to the page Access the site

AUTOMOBILES, MOTORCYCLES, LEISURE VEHICLES PARTNERS AND BOATS

Financing, leasing and mobility solutions for individuals, professionals and businesses, whatever their needs

Crédit Agricole Consumer Finance is committed to its partners, car manufacturers and distributors, motorcycles, leisure or marine, to meet their business challenges as well as the financing needs of their customers. Its innovative offers and digitization of the customer journey are a lever for its partners to attract and retain customers.

48%

of Crédit Agricole Consumer Finance's outstanding loans are car loans

22

countries covered

Main partners

Tesla, MG Motor, VinFast, Lotus, Honda, Piaggio, Suzuki, MV Agusta, Zero Motorcycles, Groupe Pilote, Rapido, Aixam France…

A major player in automotive financing

Crédit Agricole Consumer Finance is a major and historic player in car financing with a pan-European presence thanks to its 100% integration of CA Auto Bank (formerly FCA Bank) and its joint ventures with Stellantis (Leasys, major player in operational car leasing) and with the Chinese manufacturer GAC (GAC-Sofinco).

It has also entered into commercial partnerships with numerous manufacturers around a dedicated brand and network in France: Sofinco Auto Moto Loisirs.

Present in all market segments (cars, motorcycles, leisure and marine), Crédit Agricole Consumer Finance’s expertise in the consumer credit and financing businesses and its vast geographical footprint (presence in 21 countries) allow it to offer solutions adapted to the requirements and specificities of each of its partners.

 

Simplified access to financing to satisfy future drivers

In a highly competitive automotive market, offering efficient and useful services to its customers is a decisive competitive advantage. Crédit Agricole Consumer Finance's expertise thus makes it possible to meet the marketing challenges of manufacturers and distributors by providing them with financing solutions at the point of sale adapted to their markets and the new uses of their customers (leasing, long-term rental or classic credit). Crédit Agricole Consumer Finance also offers reliable and personalised credit support, with responsible solutions adapted to consumers' ability to repay.

Quick answers to support sales

Customers now expect quick answers to their financing applications. Crédit Agricole Consumer Finance is rolling out an integrated and smooth digital strategy focused on partners expectations. Its aim is to finalise car loan sales in a very short time, as simply as possible. Thanks to the use of digital tools, the solutions offered to its manufacturing and distributor partners are fast, smooth and reliable at all levels of the value chain.

 

Meeting customers' new expectations

100% digitised procedures

From tablets for the sales teams to digitising our processes and using electronic signatures, our digital innovations help offer our partners fast, smooth and reliable solutions throughout the customer journey. This expertise convinced Chinese e-commerce leader Alibaba to join forces with our GAC-Sofinco automotive joint venture in China.

New solutions, new markets

Our car financing solutions include lease with an option to purchase and long-term leasing offers, such as those offered by our joint venture Leasys. Meanwhile, CA Auto Bank is expanding the range of brands it serves and is strengthening its position at the top end of the market, with Ferrari, Maserati, Tesla, Mazda, Aston Martin and Morgan. In Portugal, our subsidiary Credibom offers simple and innovative solutions to Mazda customers to renew their vehicles and boost the sales management cycle.

The leasing boom

Driving a new vehicle and reducing maintenance procedures is a priority for a growing number of professional and individual customers. Leasing gives drivers access to a new vehicle with or without an option to buy and, depending on the chosen solution, includes maintenance services.

  • Leasing with an option to purchase can be used to buy a vehicle. The customer uses their vehicle in return for a monthly rental payment and may, if they so desire, buy the vehicle at the end of the contract.
  • For individuals and company car fleets, Crédit Agricole Consumer Finance offers long-term leases. Long-term leases have two advantages: they provide access to the vehicle and include services such as maintenance.

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

In france

Crédit Agricole Consumer Finance France

In France, Crédit Agricole Consumer Finance offers in France mainly through its commercial brands Sofinco, Sofinco Auto Moto Loisirs and CreditLift Courtage, a wide range of financing solutions and associated services: revolving and instalment credit, credit repurchase, leasing, credit cards and related services (insurance, affiliate programs).

Go to the page

Sofinco

For over 70 years, Sofinco supports the French to realize their life projects. It is today one of the leaders in consumer credit and partnerships in France and offers a large catalog of offers (financing, services, insurance, split payment, etc.) to adapt to everyone's needs, to the development of e-commerce and the energy transition challenges of its clients.

Go to the page Access the site

Worldwide

Agos

Agos, owned by CA Consumer Finance (61% of total share) and Banco BPM (39%), ranks among the leaders of the consumer lending market in Italy. Agos covers the entire Italian territory, Crédit Agricole Consumer Finance’s number 2 market after France, with 230 branches and 30,000 partner points of sale.

Go to the page Access the site

Wafasalaf

Wafasalaf has two shareholders : CA Consumer Finance (49% of shares) and Attijariwafa Bank (51% of shares), the leader in consumer lending in Morocco. The subsidiary is present across all market segments: household goods, automobiles and motorcycles, and banking partnerships. Thanks to its partners Attijariwafa Bank, Crédit du Maroc (Crédit Agricole Group), and Crédit Agricole du Maroc, Wafasalaf is connected to more than 2,000 banks.

Go to the page Access the site

GAC-Sofinco

GAC-Sofinco, founded in 2010 and based in Guangzhou (China), is a 50/50 joint venture between Crédit Agricole Consumer Finance and Guangzhou Automobile Corporation (GAC), China’s 6th vehicle manufacturer. GAC-Sofinco operates throughout China and distributes products and services to the GAC-Honda, GAC-Acura, GAC-Toyota, GAC-FCA, GAC-Mitsubishi, and GAC Motor networks, serving more than 2,000 dealers.

Go to the page Access the site

Sofinco España

Sofinco Spain is a fully owned subsidiary of Crédit Agricole Consumer Finance since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Consumer Finance Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.

Go to the page Access the site

Credibom

Credibom is Portugal’s leader in point-of-sale automobile financing. The subsidiary has deployed more than 100 partnerships with various specialised retail points of sale to provide a wide variety of offers to finance purchases of vehicles, personal products, and household goods.

Go to the page Access the site

Creditplus

Creditplus is a consumer lending specialist in Germany with more than 50 years of experience in sales financing. Creditplus has 17 branches in Germany and is the leader in two-wheeled vehicle financing on this market.

Go to the page Access the site