Retail
Retail financing solutions by BNP Paribas Personal Finance
As the European leader in retail and e-commerce financing for individuals, BNP Paribas Personal Finance puts its expertise at the service of partners to support individuals in their purchase projects. By offering tailored credit solutions, customers can spread the cost of their purchases over a period that suits them, ranging from short to long-term, adapted to the specific requirements of each country.
- Best in class UX: Simple current customer journey with automated and instant financing
- Business booster: higher average order value & conversion rate
- Business Partner: +60 year’s experience in credit scoring & granting that contributes to creating a competitive advantage for you as a partner and a robust governance and sales support team
In 2025, Retail with BNP Paribas Personal Finance means:
in the financing of individuals in France and Europe
million new customers each year
market share in Retail and e-commerce
Financing options offered
Personalized choices for consumers so your customers find the financing option that meets their needs.
Personal Loan
- A loan granted for a personal project of many sorts such as home renovation
- Easy integration
Credit-based installment
- Spread cost with flexible installments as a one-off purchase loan or reusable credit line
- Duration 3 – 48 months
- Loan can be interest bearing or interest free for the customer
- Our offer supports trade-in and upgrade programs
Cobranded
credit card
- A payment card for all payment, including short- & long-term installments embedded in a credit line. Allows customers to make purchases in your stores and anywhere else
- It could include cashback, loyalty programs and can be made available in digital wallets
Our Retail Partners by Industry
BNP Paribas Personal Finance’s retail partners are spread across several business sectors, including local and global merchants, manufacturers and retailers.
Some of our major sectors:
- Telecom
- Consumer Electronics
- Soft Mobility and Circular Economy
- Retail Stores and Marketplace
- Home / DIY
- Energy
- And more sectors…
Our presence In Europe
BNPL and Instalment solutions for retail are available in 8 geographies in Europe, adapted to the legal requirements, market standards and customer expectations in each country.
