Cetelem is a French company specializing in consumer credit for household electrical equipment, personal loans, car loans and credit cards. Cetelem is the commercial brand of BNP Paribas Personal Finance, which is a wholly owned subsidiary of BNP Paribas. The company specializes in retail financing in Europe. As of 2018, it was established in thirty countries, had 27 million customers with headquarters located in Paris. Cetelem also trades as Modern Credit in the French overseas territories.