Who we are?

Crédit Agricole Personal Finance & Mobility, a wholly-owned subsidiary of Crédit Agricole S.A., is a leading personal finance company and a key partner in sustainable mobility, operating in 22 countries across Europe, Morocco, and China. Every day, we help our clients realize their projects, manage their finances responsibly, and transition toward more sustainable mobility solutions.

Discover our Group

Our mission is to empower our clients to achieve their goals—whether upgrading their homes, equipping their households, or embracing more responsible mobility.

For over 70 years, we have leveraged our expertise in personal finance to serve our clients. Present in 22 countries, we provide a comprehensive suite of solutions, including consumer credit, leasing, subscription services, installment payments, insurance, and related services, designed to simplify budget management and support evolving lifestyles.

We are committed to the transition to a low-carbon economy, promoting energy-efficient home renovations and access to sustainable, flexible, and inclusive mobility. Through ongoing investment in innovation, we deliver a seamless, personalized, and secure experience for our clients and partners.

Our solutions are available online, at Crédit Agricole and LCL branches, and through our partners’ points of sale and e-commerce platforms.

Crédit Agricole Personal Finance & Mobility is dedicated, every day, to serving the interests of our clients and society.

Devanture du siège de Crédit Agricole Personal Finance à Massy

Crédit Agricole Personal Finance & Mobility at a glance

17
million customers in 2025
11,000
employees in 2025
€122.5
billion outstanding managed at the end of 2025
€2.8
billion in net banking income in 2025

Our global footprint

Localisation Name Activity
Localisation Name Activity
Localisation Name Activity
Localisation Name Activity

Crédit Agricole Personal Finance & Mobility history

1951

Creation of Sofinco (Industrial and Commercial Finance Corporation)

1960

Creation of Creditplus in Germany

1970

Creation of Finaref within La Redoute

1986

Launch of Wafasalaf in Morocco by Wafabank and Sofinco

1989

Sofinco acquires 49% of Agos (joint venture in Italy: CA Personal Finance & Mobility 61%, Banco BPM 39%)

1995

Launch of Credibom in Portugal

1999

Sofinco joins Crédit Agricole S.A; Viaxel created in auto finance

2003

Crédit Agricole S.A acquires Finaref

2006

Creation of joint venture FGA Capital with Fiat (future FCA Bank)

2010

Launch of Crédit Agricole Consumer Finance (merger of Sofinco and Finaref

2010

50% joint venture acquisition of GAC-Sofinco

2019

Launch of Sofinco Spain

2021

Creation of Agilauto

2023

100% acquisition of CA Auto Bank (ex-FCA Bank); launch of Leasys, a 50/50 joint venture with Stellantis

2023

Creation of Agilauto Partage

2024

Crédit Agricole Consumer Finance renamed Crédit Agricole Personal Finance & Mobility

2025

Creation of GAC-Sofinco Leasing, a 50/50 joint venture with GAC
See more dates
See fewer dates