Personalized and innovative solutions, proximity and responsibility are at the heart of the Crédit Agricole Personal Finance & Mobility 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.
customers
of managed outstandings at the end of 2023
Crédit Agricole Personal Finance & Mobility 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.
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 Personal Finance & Mobility 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 Crédit Agricole Personal Finance & Mobility 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 Personal Finance & Mobility. Finally, Crédit Agricole Personal Finance & Mobility 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. |
Crédit Agricole Personal Finance & Mobility aims to be a European leader in electric 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.
As a responsible player in consumer credit, Crédit Agricole Personal Finance & Mobility 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 Personal Finance & Mobility 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 Personal Finance & Mobility 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. |
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 Personal Finance & Mobility 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).
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.
Agos, owned by Crédit Agricole Personal Finance & Mobility (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 Personal Finance & Mobility’s number 2 market after France, with 230 branches and 30,000 partner points of sale.
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.
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.
Sofinco Spain is a fully owned subsidiary of Crédit Agricole Personal Finance & Mobility since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Personal Finance & Mobility Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.
Wafasalaf has two shareholders : Crédit Agricole Personal Finance & Mobility (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.
Consumer credit is a finance solution which meets the needs of Crédit Agricole’s retail bank customers and encourages their loyalty. Crédit Agricole Personal Finance & Mobility 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.
in assets managed for the account of our banking partners across the Crédit Agricole Group (compared to 2021)
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.
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.
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 Personal Finance & Mobility 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 Crédit Agricole Personal Finance & Mobility 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 Personal Finance & Mobility 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).
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.
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.
Agos, owned by Crédit Agricole Personal Finance & Mobility (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 Personal Finance & Mobility’s number 2 market after France, with 230 branches and 30,000 partner points of sale.
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.
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.
Sofinco Spain is a fully owned subsidiary of Crédit Agricole Personal Finance & Mobility since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Personal Finance & Mobility Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.
Wafasalaf has two shareholders : Crédit Agricole Personal Finance & Mobility (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.
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.
Crédit Agricole Personal Finance & Mobility distribution partners
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.
Thanks to digitization, consumers are increasingly well informed, creating higher expectations for the in-store sales teams. To meet these needs, Crédit Agricole Personal Finance & Mobility 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.
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 Personal Finance & Mobility'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.
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.
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.
Agos, owned by Crédit Agricole Personal Finance & Mobility (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 Personal Finance & Mobility’s number 2 market after France, with 230 branches and 30,000 partner points of sale.
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.
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.
Sofinco Spain is a fully owned subsidiary of Crédit Agricole Personal Finance & Mobility since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Personal Finance & Mobility Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.
Wafasalaf has two shareholders : Crédit Agricole Personal Finance & Mobility (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.
Crédit Agricole Personal Finance & Mobility 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.
of Crédit Agricole Personal Finance & Mobility's outstanding loans are car loans
countries covered
Tesla, MG Motor, VinFast, Lotus, Honda, Piaggio, Suzuki, MV Agusta, Zero Motorcycles, Groupe Pilote, Rapido, Aixam France…
Crédit Agricole Personal Finance & Mobility is a major and historic player in car financing with a pan-European presence thanks to CA Auto Bank and its joint ventures with Stellantis (Leasys, major player in operational car leasing) and with the Chinese manufacturer GAC (GAC-Sofinco).
Present in all market segments (cars, motorcycles, leisure and marine), Crédit Agricole Personal Finance & Mobility’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.
In a highly competitive automotive market, offering efficient and useful services to its customers is a decisive competitive advantage. Crédit Agricole Personal Finance & Mobility'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 Personal Finance & Mobility 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 Personal Finance & Mobility 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.
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.
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 Personal Finance & Mobility 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).
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.
Agos, owned by Crédit Agricole Personal Finance & Mobility (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 Personal Finance & Mobility’s number 2 market after France, with 230 branches and 30,000 partner points of sale.
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.
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.
Sofinco Spain is a fully owned subsidiary of Crédit Agricole Personal Finance & Mobility since 11 June 2021. It will cover all distribution channels and offer a variety of products, leveraging Crédit Agricole Personal Finance & Mobility Group's European partnerships. Its ambition is to be a major player in consumer finance in the Spanish market.
Wafasalaf has two shareholders : Crédit Agricole Personal Finance & Mobility (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.
GAC-Sofinco, founded in 2010 and based in Guangzhou (China), is a 50/50 joint venture between Crédit Agricole Personal Finance & Mobility 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.