Bed's financing with Cetelem

Cetelem, one of the best 100% online financing solutions.

What makes us different?

• You can finance 100% of your purchase.

• Without a card (We do not need you to provide us with details of any of your cards).

• You will not pay the first receipt until the next month.



What is Cetelem?

Cetelem belongs to the BNP Paribas Group and since 1988 we have been specialists in granting consumer loans. We are a company specialized in granting consumer credit, online credit and cards, belonging to the BNP Paribas group since 1988.

What documentation do I need to finance?

If you are already a Cetelem customer and you have a credit line with us, you will only need to accept your financing by entering a PIN code that we will send to your mobile phone without filling in forms or sending documentation.

If you are a new client of Cetelem or you do not have a line of credit with us, the documents that we will need from you are:

  1. DNI on both sides or residence card (In the case of resident foreigners, we will also need the official identity document of their country signed or valid passport).
  2. Proof of income (last payroll in the case of being salaried, last income statement if you work as a self-employed person, or letter of revaluation of the pension if you are a pensioner).
  3. First page of the bank book or a direct debit receipt showing the IBAN code and the account holder, who must be the same person who is requesting the financing.

What amount can I finance?

Minimum amount to finance ≥ € 90 and minimum monthly payment ≥ € 12. We have not established a maximum amount to finance, but we are very committed to granting a responsible loan adapted to the needs of each client.

When do I start paying my financing?

We will process the first receipt to your bank account on the 5th of the month following the financing. If the financing is made between the 25th and 31st, the first receipt will be issued on the 5th of the 2nd month in which the financing was made.

If I have any questions, how can I contact Cetelem?

You can make your inquiries through the chat that appears during the financing process, if you prefer to contact by phone 917 90 97 38 or through our mail

What is the process that I have to follow to finance my purchase?

The process is very simple:

  1. Choose the products you want to buy on the website.
  2. Once in the cart, choose the payment method "Financing with Cetelem."
  3. Next, you will be directed to our financing process, where you can make the financing in a few steps and 100% online:
  • If you are a Cetelem customer and you already have a credit line, you will only need to accept your financing by entering a PIN code that we will send you by SMS to your mobile.
  • If you do not have a line of credit or you are a new customer, you can finance your purchase in less than you expect. You will only need to attach the documentation that you have detailed in point two: What documentation do I need to finance?

Do you need more information about Cetelem products?

You can know more about our products at