Retail

Retail financing solutions by BNP Paribas Personal Finance

As a key player in Europe 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

Financing options offered

Personalized choices for consumers so your customers find the financing option that meets their needs.

Personal Loan

Simple, fast, and secure, split payment improves conversion rates and increases average baskets, both online and in-store.

• Financing for purchases between €50 and €3,000
• Automatic and immediate response
• 100% digital and multichannel journey
• Guaranteed financing for the partner

Credit-based installment

Customers choose a payment term and monthly credit payment that fits their budget. This solution facilitates the financing of high-value baskets, supports sales revenue, and helps customers plan their purchases.

• Financing for purchases from €150 to €16,000 online and up to €75,000 in-store
• Repayment term of 4 to 48 months online and up to 180 months in-store
• Automatic and immediate response
• 100% digitalized purchasing process
• Guaranteed financing for the partner
• Free credit and paid credit
• 0% interest credit and financing solutions covered by the merchant

Card-linked revolving credit

The renewable credit, combined with its optional card, offers customers a usable and replenishable amount as they make repayments. The card-linked revolving credit provides great payment flexibility.

• Payment by cash, credit, or installment
• Universal card usable in France and abroad, online and in-store
• Payment option modification available until 10pm the next day via the mobile post-payment service
• Exclusive benefits: instant discounts, loyalty programs, and cashback offers

Trade-in

Support for smartphone trade-ins, enabling customers to unlock the value of their existing device, making it easier to purchase a new one with a financial benefit linked to the trade-in.

• Increases product value across its entire lifecycle by integrating sustainability and customer engagement
• Strengthens our partners’ competitiveness through trade-in and upgrade programs

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

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Energy

And more sectors…