€ 60,000 Maximum loan amount
12 - 96 months Maturity
Interest 5.95%

Quick information

If you are looking for a loan in Cetelem.es you can get from € 6000 to € 60,000. You can use the money for whatever you need, it may be a new car, house renovations, reunification of debts, a vacation or for educational reasons. You have a term to pay the loan that ranges from 12 months to 96 months. On the website you will see several alternatives in which you can enter the sections in relation to loans. At the top of the website, for example, you will see a section called "Credits", where you will find different financing options, depending on the purpose. In addition, at the bottom of the web page you will find a category called "Interest pages" where you can find the loan simulator and two other categories, personal loans and credit cards. As you can see, it is a financial institution that offers a variety of services and has experience in the financial services market.

  • Loans from € 6000 to € 60,000 that have a term to pay from 12 to 96 months
  • It is necessary to be over 18 years old to reside in Spain and to be able to justify income. If you have any questions, do not hesitate to enter our frequently asked questions section
  • CETELEM is a brand of BPN Paribas Personal Finance, a company that offers loans to individuals
  • Car repairs
  • Machines for domestic use
  • Reductions in study expenses


Specific information

We recommend that you try the loan simulator taking into account that in it you can choose the amount of money that you are needing and the time in which you are going to cancel it. The simulator will immediately perform a calculation and tell you exactly how much money you will have to cancel, including the percentage of TIN and APR.

Once you have completed these steps, you will be asked to fill in basic personal information such as your name and surname, NIE / NIF document, validity date of the document and email.

They will also ask you to authorize Banco CETELEM SA to include you in a database and for the entity to contact you. After this you must sign the contract and eventually send the documentation.

Cetelem Refund table

Requested amount Fee Total to pay Duration
€ 6,000 € 326.64 6 326.64 € 12 months
€ 10,000 € 435.80 10 435.80 € 12 months
€ 16,000 4 147.52 € 20 147.52 € 96 months

A representative example

Loan of € 15,000 for 96 months. TIN 5.95%. APR 6.12%, monthly payment € 196.76. Total amount owed € 18,888.96. Example for a loan of € 6,000 for 60 months TIN 13.90% APR 14.82% monthly payment € 139.30. Total amount owed € 8,358. For loan amounts from € 4,000 to € 60,000. NIR from 5.95% (6.12% minimum APR) to 13.90% (14.82% maximum APR). Duration between 12 and 120 months. The TIN may vary depending on the amount, duration and destination of the loan. For the Debt Reunification loan destination, the maximum term is 120 months and for other destinations the maximum term is 96 months. For a loan amount of less than € 6,000, the maximum term is 48 months for the Travel, Studies, Health, Celebrations and Other Projects projects. For a loan amount less than € 10,000, the maximum term is 60 months, for an amount equal to or greater than € 10,000, the maximum term is 120 months. Offer subject to prior authorization from Banco Cetelem SAU after studying the documentation provided and signing the contract.

FAQ Cetelem

What conditions must I meet to be able to request a loan with CETELEM?

By obligation you must be over 18 years of age, reside in Spain and it is important that you can justify that you have regular income. CETELEM offers the public responsible loans and for that reason only offers its services to people who can pay their debt without problems. Failure to pay would mean higher costs for the client, among other penalties, which is why it is important that the client carry out an analysis of their economic situation before requesting the money, in addition to the study that CETELEM carries out.

How do I process the loan insurance?

In case of any unexpected situation and if according to the contract an insurance premium is necessary, you can always: Analyze an insurance premium through the CETELEM chat or by calling 917 909 790 to start the process. They will send a letter to your address informing you about the documents that you must present. Send the required documentation to the address that we indicate in the letter. CETELEM will send the letter to the insurance entity. Once the problem has been reported, the insurance company will contact you.

What can I do to change my personal information?

You can edit your data in "My Profile / Personal Data", which is in the "Customer Area" section. You can also make the modifications through the chat service or by calling the number 917 909 790.


Web: https://www.prestamosfrescos.es/prestamo/Cetelem/experiencia#m

CETELEM got me out of a bind. His entire team is very friendly and helpful.

Web: https://www.helpmycash.com/opiniones/banco/cetelem?page=2

The data compilation process has been tedious. But once that phase is over, in two days I have deposited the money. And I have asked for a significant amount, well over ten thousand euros. The truth is that I expected something else, after reading other comments. The normal interest, and the insurance a little higher than the market price, but not much.

Web: https://www.helpmycash.com/opiniones/banco/cetelem?page=4

Because for my credits, complying with the rules there is no problem with them.

Loan rating

CETELEM is a brand of BPN Paribas Personal Finance, an institution that provides loans to individuals, with branches in 28 countries around the world. There are many ways in which you can contact CETELEM, enter through the "Customer Area" area, also through an online chat, by phone, SMS or even by Twitter. The contact number is 917909790. On the website there are a variety of alternatives, considering that there are many financial products offered by this financial institution. It is important that you enter the sections that relate to loans and that you carefully review the terms and conditions. It is essential that you are 18 years or older, that you are a resident in Spain and that you can provide a certificate or proof of regular income. All of this can be done from the comfort of your home, without the need to move. The loan will be processed very quickly. At CETELEM they offer responsible loans, for which they are interested in educating their clients regarding whether it is convenient to apply for a loan, according to their specific situation or not. On the other hand, CETELEM does not approve its services to individuals who do not have verifiable recurring income, with which to face the debt.

Roger molinsJerome P Allison ( LinkedIn )
I am a freelance writer and consultant for companies and individuals, with a particular emphasis on fintech, technology, startups and online marketing. More information ...

Loan terms

  • Applicant Loan of the Natural person
  • Older than 18 years-old
  • With permanent address in Spain

Application processing procedure

  • To determine the total amount of the loan
  • Use our virtual calculator - click Save or print
  • Fill in the form and send it


  • If you are interested in obtaining a loan for any reason then enter our website and follow the simple steps to get it.
  • With Cetelem you can request the loan 100% online, from any electronic device. No need for long lines or to move from home
  • It is a flexible loan that you can pay in comfortable installments and without having to change banks or hire other products
  • Once you have completed your online application, you will be able to know if your loan has been approved right away. Cetelem is fast and easy to use


  • Cetelem loans are not for people who have a criminal record in Spain or outside of Spain
  • Cetelem services are not enabled for people who do not have verifiable income with which to pay the agreed fees
  • The loan is not for people who have not reached the age of majority or for individuals who do not reside in Spain


917 909 790
CETELEM SA, Calle Retama, 3, 28045 Madrid, Spain


If you are looking for a loan in Cetelem.es you can get from € 6000 to € 60,000. Cetelem Rating: 5/5 576 votes.

Documents to download

Last content update: 27. 10. 2020