Cetelem Bank – History
Originally created in France in 1953, in 2008 Cetelem and UCB gave rise to BNP Paribas Personal Finance. By bringing together consumer credit, real estate credit and consolidated credit activities, the two companies have built a global credit player.
Banco Cetelem created credit products and services to help you and your family get your projects off the ground and turn them into reality. The bank is one of the world leaders in the consumer credit market, and a company of the BNP Paribas group.
Cetelem Cards
- CETELEM CONSIGNED CARD
- CETELEM CARD
- RETAIL
- SUPERMARKET
- CONSTRUCTION
- TALK TO THE PARTNER
Advantages and Benefits
- Discover all the advantages of Cetelem cards and partner networks:
- There are more than 2.3 million establishments throughout Brazil to use your card!
- Revolving Credit: up to 45 days to pay for your purchases without interest.
- Payment in installments for purchases and the best rates on the market.
- Personal loans: access to quick cash in your checking account.
- Withdraw money with your card throughout the Banco24horas network.
- Exclusive discounts at partner stores.
- Additional limit*: have more purchase limit in the partner store.
*Amount subject to change at invoice closing
Cetelem Loans
Get to know Banco Cetelem's credit modalities and carry out your projects.
ARMY CONSIGNED LOAN
how to hire
To learn more about the conditions and operation of our Payroll Loan for Army employees, call the Cetelem Relationship Center or contact us via WhatsApp.
How it works
Our Payroll Loan for Army employees¹ can help you put your plans into practice in an easy and agile way, with payment terms of up to 72 months and the lowest interest rate among the loan types on the market.
How it works is simple: the approved amount is quickly credited to your account² and the agreed installments are then deducted directly from your payroll/benefit.
So you can get, without complications and with total comfort, the resources you need to make your dreams come true and get your personal projects off the ground!
¹ Subject to credit analysis and approval by your paying source.
² Bank account owned by you.
who can hire
The special conditions of this type of Payroll Loan are intended only for active and inactive military personnel and pensioners of the Armed Forces of the Brazilian Army.
For Capitals and Metropolitan Regions: (11) 4004 5280
For other locations: 0800 701 5280
WhatsApp (all national territory): (11) 94444-8336
CONSIGNED
What is a payroll loan?
It is a loan intended for INSS retirees and pensioners, federal civil servants and army personnel. The interest charged is lower than other types of loan, and the installments are deducted directly from your payroll/benefit.
how to hire
See how to take out the Cetelem payroll loan.
For information about payroll loans, call the Cetelem Relationship Center and make a simulation:
How it works
In the payroll loan, the installments are deducted directly from your payroll/benefit, and the interest charged is lower than in other types of loan. At Cetelem, credit is intended for INSS retirees and pensioners, federal civil servants and army personnel.
For Capitals and Metropolitan Regions: 4004 5280
For other locations: 0800 701 5280
You can also find an authorized correspondent near you. know more.
*Credit subject to prior analysis and approval
*Before concluding a contract, validate all the terms of your proposal and the CET (Total Effective Cost) of the operation
*Subject to release and approval by your Paying Agency (INSS or others)
LOAN
GUYS
The Cetelem personal loan exists to help you realize your plans.
It could be a trip, renovating your home, or even buying a car.
Rates from 2.5%, payable up to 48 times.*
*Credit subject to prior analysis and approval. Check conditions and Total Effective Cost.
CREDIARY
The Cetelem credit card is a payment method that finances your purchases at CETELEM partner stores. When contracting it, you have an established payment term, which is made in fixed installments, with the options of bank slip or current account debit.
To contract the crediário, it is necessary to present a document with a photo and CPF. It is not necessary to prove your income or residence address.
Note: credit subject to analysis.
Subject to registration fee charge upon approval.
Other services
- understand your invoice – Clear all doubts about your invoice
- 2nd copy of invoice – Issue the invoice for the payment of your invoice
- digital invoice – Subscribe to the digital invoice and receive your invoices by email
- invoice installment – Facilitate the payment of your invoice with the installment plan
- card delivery – Track the delivery of your card
- unlock your card – Unlock your card and start using it
- Withdrawals – Make withdrawals with your credit card
- minimum payment – Know the new minimum payment rules
- Limit Increase – Check here how to increase your card limit
Do you still have questions?
Self Service Digital Channels – Credit Card and Payroll Card
Digital Channels – Limit Inquiry, Balance, Invoice, Card Unlock, Limit Increase.
Download the Cetelem App or visit our Cetelem Online website to consult Limits, Balances, Duplicate Invoices, Card Unblocking, Limit Increases.
Download the APP
Google Play Store (Android)
App Store (iOS)
Access the Cetelem Online Site via computer or Smartphone
www.cetelem.com.br/login
Subscribe to the digital invoice and receive your invoices by email or WhatsApp every month
www.cetelem.com.br/faturadigital
Specialized Service – Useful telephone numbers
CRC - Customer Relationship Center
Get your questions answered, consult Cetelem products and services and talk to one of our specialists.
Opening hours: Monday to Saturday from 8am to 10pm.
Credit Card, Payroll Card, Insurance and Credit Card
4004 7990 (Capitals and metropolitan regions)
0800 704 1166 (Other locations)
Payroll loans
4004 5280 (Capitals and metropolitan areas)
0800 701 5280 (Other locations)
BMG Senior and BGN Payroll Card
4004 7990 (Capitals and metropolitan regions)
0800 704 1166 (Other locations)
Auto Financing
4004 5280 (Capitals and metropolitan areas)
0800 701 5280 (Other locations)
SAC – 24h Customer Support Service
For Suggestions, Complaints and Cancellations.
Opening hours: 24 hours a day, 7 days a week.
Credit Card, Payroll Card, Insurance and Credit Card
0800 286 8877
Payroll loan
0800 724 5904
Auto Financing
0800 724 5904
ombudsman
If you are not satisfied with the solution presented by the previous service channels.
Opening hours: from 09:00h to 18:00h (Monday to Friday, except holidays).
Telephone: 0800 722 0401
Hearing Impaired: 0800 020 7410
Access the report to learn more about the activities carried out by the Ombudsman: Ombudsman Report
Digital Insurance
Here at Digital Seguro we have a wide variety of articles and news. These range from significant updates on day-to-day events about the country's economic situation and other matters related to it, to extensive and dense content, in an educational and/or expository format, whose objective is precisely to keep you provided with all the necessary information. for you to recognize the best option and make the best decision for your specific situation. Know more.
See too: House financing by HSBC Bank.
