Cetelem
Moroccan subsidiary of BNP Paribas Personal Finance, Europe's consumer credit leader. Cetelem Morocco specializes in point-of-sale earmarked credit, particularly for appliances and home equipment.
Products offered
- Point-of-sale earmarked credit
- Personal loan
- Car loan
- Revolving credit
- Borrower insurance
Key strengths
- Pioneer of earmarked credit in Morocco
- Retail partnership network (Marjane, Electroplanet, Kitea)
- Instant in-store subscription
- BNP Paribas expertise
Geographic presence
Related free tools
About Cetelem
Cetelem Morocco is the historic specialist of point-of-sale earmarked credit, distributed since 1999 via its local partner BMCI (BNP Paribas group). The company pioneered instant in-store financing in major Moroccan retailers: Marjane, Electroplanet, Kitea, Mobilia, Sony World, Bricoma.
Its model relies on a credit decision in under 15 minutes directly in-store, for amounts from 3,000 to 80,000 MAD and terms of 6 to 48 months. Rates range from 7.5% to 11% depending on profile and term, with frequent 0% promotional offers during commercial campaigns.
Cetelem also offers classic personal loans and revolving credit (Aurore card). As the subsidiary of a benchmark European group, it is recognized for the rigor of its scoring and quality of customer service.
Customer reviews for Cetelem
Crédit débloqué en 72h
Dossier complet en agence, validation rapide, fonds virés sous 3 jours. Taux annoncé respecté.
Nadia K. · March 2026
Solution sans domiciliation
Avantage clé : pas besoin de changer de banque. Bon point pour les profils CDD ou indépendants.
Hicham E. · April 2026
Frais à négocier
Taux annoncé OK mais frais de dossier au max. Pensez à négocier avant signature.
Imane F. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
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Frequently asked questions about Cetelem
How do I simulate a Cetelem loan online?+
Use the wafir.ma simulator: enter the desired amount, term and your net monthly income. You get the indicative Cetelem monthly payment, total cost and APR in under 30 seconds, no commitment.
What is Cetelem's rate in 2026?+
Cetelem applies APRs between 6.5% and 12% depending on profile and amount borrowed in 2026. Best rates (6.5-8%) are reserved for strong files (permanent contract, seniority, income > MAD 5,000/month). Compare on wafir.ma.
What documents are required for a Cetelem loan?+
For a Cetelem file, provide: valid national ID, last 3 payslips or last 2 financial statements (self-employed), 3 months of bank statements, employment certificate and proof of address. Disbursement within 24-72h after approval.
Can I prepay a Cetelem loan?+
Yes, Moroccan law 31-08 allows partial or full early repayment of Cetelem loans. Penalties may apply (0.5-1% of the prepaid principal) except for repayment in the contract's last 3 months.
Does Cetelem accept civil servants?+
Yes, Cetelem grants loans to public-sector civil servants with preferential terms (APR -50 bps, direct salary deduction via CNOPS/CMR). Simplified file, fast decision.