Cetelem Bank – History
Originally created in France in 1953, Cetelem and UCB formed BNP Paribas Personal Finance in 2008. By bringing together consumer credit, real estate credit and consolidation credit activities, the two companies have built a global credit player.
Banco Cetelem has created credit products and services to help you and your family take your projects from paper to 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 CONSIGNMENT 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 where you can 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 from the entire Banco24horas network.
- Exclusive discounts at partner stores.
- Additional limit*: have more purchase limit at the partner store.
* Value subject to variation at invoice closing
Learn more.
Cetelem Loans
Discover Banco Cetelem's credit options and carry out your projects.
ARMY CONSIGNED LOAN
How to Hire
To find out 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 easily and quickly, with payment terms of up to 72 months and the lowest interest rate among loan types on the market.
It works simply: the approved amount is quickly credited to your account² and the agreed installments are then deducted directly from your payroll/benefit.
This way, you can easily and conveniently obtain 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 from your paying source.
² Bank account in your name.
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 Capital Cities 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?
This is a loan intended for INSS retirees and pensioners, federal public servants and military personnel. The interest rates charged are lower than other types of loans, and the installments are deducted directly from your payroll/benefits.
How to hire
See how to take out a Cetelem payroll loan.
For information about payroll loans, call the Cetelem Relationship Center and run a simulation:
How it works
In the case of a payroll loan, the installments are deducted directly from your payroll/benefit, and the interest rates charged are lower than in other types of loans. At Cetelem, the credit is intended for INSS retirees and pensioners, federal public servants and military personnel.
For Capital Cities and Metropolitan Regions: 4004 5280
For other locations: 0800 701 5280
You can also find an authorized correspondent near you. Learn 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 make your plans come true.
It could be a trip, renovating your home, or even buying a car.
Rates starting from 2.5%, in up to 48 installments to pay.*
*Credit subject to prior analysis and approval. Check the conditions and the Total Effective Cost.
CREDIT
The Cetelem credit plan is a payment method that finances your purchases at CETELEM partner stores. When you sign up for it, you have a set payment term and it is made in fixed installments, with the options of bank slip or debit from your checking account.
To apply for a credit plan, you must present a photo ID and CPF. You do not need to prove your income or residential address.
Note: credit subject to analysis.
Subject to registration fee upon approval.
Other Services
- Understand your bill – Clear up any doubts you may have about your invoice
- 2nd copy of invoice – Issue the payment slip for your invoice
- Digital invoice – Sign up for digital invoicing and receive your invoices by email
- Invoice installment – Make paying your bill easier with installments
- 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 – Learn about the new minimum payment rules
- Limit Increase – Check here how to increase your card limit
Still have questions?
Self-Service Digital Channels – Credit Card and Payroll Card
Digital Channels – Limit, Balance, Invoice Query, Card Unblocking, Limit Increase.
Download the Cetelem App or access our Cetelem Online website to check your Limit, Balance, Second Copy of Invoice, Card Unblocking, Limit Increase.
Download the APP
Google Play Store (Android)
App Store (iOS)
Access the Cetelem Online website via computer or smartphone
www.cetelem.com.br/login
Sign up for digital billing and receive your bills via email or WhatsApp every month
www.cetelem.com.br/faturadigital
Specialized Assistance – Useful Telephone Numbers
CRC – Customer Relationship Center
Get your questions answered, check out Cetelem products and services and speak to one of our experts.
Opening hours: Monday to Saturday from 8am to 10pm.
Credit Card, Payroll Card, Insurance and Installment Plan
4004 7990 (Capital cities and metropolitan regions)
0800 704 1166 (Other locations)
Consigned Credit
4004 5280 (Capital cities and metropolitan regions)
0800 701 5280 (Other locations)
BMG Senior and BGN Payroll Card
4004 7990 (Capital cities and metropolitan regions)
0800 704 1166 (Other locations)
Auto Financing
4004 5280 (Capital cities and metropolitan regions)
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 Installment Plan
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: 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's Office: Ombudsman's Office Report
Digital Insurance
Here at Digital Seguro we have a wide variety of articles and news. These cover everything from significant updates on day-to-day events about the country's economic situation and other related topics, to extensive and dense content, in an educational and/or expository format, whose objective is precisely to keep you equipped with all the information you need to recognize the best option and make the best decision for your specific situation. Learn more.
See also: Home financing through HSBC Bank.