What Stellantis Finance & Services does

Stellantis Finance & Services is the commercial name of CREDIPAR S.A., a French société anonyme (RCS Versailles 317 425 981) operating as the captive finance arm of Stellantis Group in France since April 2023. The entity was originally formed in 1979 through the merger of PSA and SOVAC financing activities, and has been known successively as CREDIPAR and PSA Finance France before its current rebranding. It is a wholly-owned subsidiary of Banque Stellantis France within the Stellantis conglomerate, authorized as a credit institution by the ACPR and registered as an insurance intermediary with ORIAS (No. 07 004 921).

The company's core offering is an integrated portfolio of vehicle financing, insurance, and service products distributed exclusively through the dealer networks of all 14 Stellantis brands in France (Peugeot, Citroën, DS, Opel, Fiat, Jeep, Alfa Romeo, Abarth, Lancia, Maserati, Leapmotor). Financing products include classic credit, balloon credit, LOA (Location avec Option d'Achat), LLD (Location Longue Durée), and crédit-bail with terms from 12 to 72 months. Insurance products span comprehensive auto coverage (underwritten with AXA France IARD and Stellantis Insurance Europe), the telematics-based Drive & Connect usage insurance, financial protection products (Protection Valeur Auto, Sécurité Remplacement, Garantie Perte Financière), death and disability coverage (Stellantis Life Insurance Europe), and vehicle assistance (via Europ Assistance). Service products include extended warranties (up to 6 years on SPOTICAR used vehicles) and maintenance contracts. The technology layer consists of the 24/7 Espace Client digital portal, the coffre-fort électronique for secure document storage, and Drive & Connect's telemetry box for behavioral data capture.

The business model generates revenue primarily through interest income on the multi-year financing book, insurance distribution commissions (Stellantis Finance & Services acts as broker with underwriting carried by partner insurers), and recurring service contract fees. Go-to-market is exclusively channel-driven through the captive dealer network, with end customers split between individual vehicle buyers (Particuliers) and professionals/businesses (Professionnels). The company reports 45% market penetration among Stellantis brand individual customers and processes nearly 300,000 financing applications annually, supported by 750+ employees and ISO 18295-1 certified customer service operations.

Name

Stellantis Finance & Services

Legal name

CREDIPAR, société anonyme

Website

https://stellantis-finance-services.fr

Company type

Private

Founded year

1979

Operating status

Operating

Short description

Stellantis Finance & Services (CREDIPAR S.A.) is the captive finance arm of Stellantis Group in France, providing vehicle financing, insurance, and service products to individual and professional buyers of all 14 Stellantis brands via the dealer network.

Ownership category

akta.pro rank

Headquarters

HQ city

Poissy

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Auto Financing (Crédit, LOA, LLD, Crédit-Bail): Revenue generated from interest on vehicle financing products including classic credit, balloon credit, leasing (LOA - Location avec Option d'Achat), long-term rental (LLD - Location Longue Durée) for individuals, and credit-bail (financial leasing) and vente à crédit for professionals. Interest income accrues over the life of the financing contract. Customers can finance up to 100% of vehicle purchase price with repayment terms of 12 to 72 months.
2. Insurance Distribution (Commissions): Distribution of complementary insurance products including auto insurance (via Stellantis Insurance/Axa), financing protection insurance (Protection Valeur Auto, Sécurité Remplacement, Garantie Perte Financière), death/disability insurance, and vehicle assistance (Pass Sérénité via Europ Assistance). Earns intermediary commissions as ORIAS-registered insurance broker.
3. Service Products (Garanties, Entretien): Sale of extended warranty and maintenance contracts for new and used vehicles through Stellantis brand networks, including SPOTICAR (certified used vehicles) extended warranties (PREMIUM/ADVANCED) and premium maintenance contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Stellantis Finance & Services (CREDIPAR S.A.) is a captive automotive finance and insurance provider serving customers of Stellantis brands in France. It underwrites and distributes consumer credit, leasing (LOA), long-term rental (LLD), and credit-bail vehicle financing, alongside auto, telematics, and personal protection insurance, manufacturer warranties, and roadside assistance. Distribution is conducted exclusively through Stellantis dealerships in France for both individual and professional/professional-fleet buyers.

Product overview

Stellantis Finance & Services (commercial name of CREDIPAR) operates as the financial services arm of Stellantis Group in France, offering a comprehensive ecosystem of vehicle financing and insurance products. The portfolio centers on financing solutions (Crédit Classique, Crédit Ballon, LOA, LLD for individuals; Vente à Crédit, Crédit-Bail for professionals), complemented by insurance products (Assurance Auto Tous Risques, Drive & Connect with telematics, Protection Valeur Auto, Sécurité Remplacement PLUS, Garantie Perte Financière, LocaVie flexibility insurance, and Assurances Décès/Invalidité). Service offerings include extended warranties for new and used vehicles (Prestations Véhicules Neufs, SPOTICAR), Pass Sérénité assistance, and digital services via the Espace Client portal. The company also operates sub-brands including Free2Move Lease (business LLD) and SPOTICAR (certified pre-owned vehicles), supported by EFFICAR training division. The complete offering enables bundled 'packaged products' combining financing, insurance, and services.

Differentiator

Problem solved

Functional benefit

Brands

• Drive & Connect: Telematics-based auto insurance product by Stellantis Insurance that analyzes driving behavior and rewards responsible drivers with premium reductions.

Products and services

• Auto Consumer Credit Standard consumer loan product enabling individuals to finance the purchase of new or used Stellantis-brand vehicles in France, originated at the dealership point of sale.
• LOA (Location with Option to Purchase) Long-term leasing product for individual buyers with an option to purchase the vehicle at the end of the contract, distributed through Stellantis dealerships in France.
• LLD (Long-Term Rental) Long-term vehicle rental product for individuals and professionals, providing usage of a Stellantis vehicle for a fixed monthly fee without transfer of ownership.
• Credit-Bail (Finance Lease) Finance lease product aimed at professionals and businesses acquiring Stellantis vehicles, structured for balance-sheet and tax treatment suitable for commercial buyers.
• Auto Insurance Motor insurance product distributed alongside Stellantis vehicle financing at the dealership point of sale in France, covering the financed vehicle.
• Telematics-based Auto Insurance Usage-based motor insurance leveraging Stellantis manufacturer telematics data to price and adjust auto insurance premiums based on driving behavior.
• Personal Protection Insurance Personal protection insurance covering the borrower in case of death, disability, or job loss, bundled with vehicle financing contracts.
• Manufacturer Warranty Products Extended warranty products sold at Stellantis dealerships in France to cover repair costs beyond the standard manufacturer warranty period.
• Roadside Assistance Assistance service provided to Stellantis vehicle owners in France, offering breakdown support and related mobility services.

Quantifiable outcome

• 45% of Stellantis brand individual customers choose Stellantis Finance & Services
• +5 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Stellantis Insurance Europe LimitedcoreStrategic or Co-development PartnerInsurance company providing auto insurance products (Protection Valeur Auto, Sécurité Remplacement, Garantie Perte Financière) distributed by CREDIPAR as insurance broker. Registered in Malta under MFSA supervision.
• Stellantis Life Insurance Europe LimitedcoreStrategic or Co-development PartnerLife insurance company providing death, PTIA, and disability insurance products distributed by CREDIPAR. Registered in Malta under MFSA supervision.
• Europ AssistancecoreStrategic or Co-development PartnerAssistance services provider for Pass Sérénité product covering vehicle breakdown assistance, medical repatriation, and travel assistance. S.A. au capital de 35 402 786 €, RCS Nanterre 451 366 405.
• AXA France IARDcoreStrategic or Co-development PartnerCo-insurance underwriter for Stellantis Insurance auto products (Assurance Automobile tous risques) alongside AXA Assurances IARD Mutuelle. Both entities regulated by ACPR.
• AssurOne GroupcoreChannel Partner/ Reseller/ DistributorInsurance broker handling presentation, subscription, and guarantee management for Assurance Automobile by Stellantis Insurance products. SAS au capital de 5 191 761 €, RCS Nanterre 478 193 386, ORIAS 07003778.
• Free2Move LeasecoreStrategic or Co-development PartnerRelated Stellantis entity dedicated to long-term rental and associated services for professionals, part of the Free2Move mobility brand ecosystem.
• EfficarminorStrategic or Co-development PartnerTraining organization providing commercial advisor training programs for Stellantis brand dealership networks on financing solutions, regulations, and customer relationship management.
• ASF (Association Française des Sociétés Financières)minorOthersFrench Association of Financial Companies providing mediation services for customer complaints. Médiateur de l'ASF handles disputes at 24 avenue de la Grande Armée 75854 Paris CEDEX 17.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Toyota Financial Services France: Captive finance provider for Toyota and Lexus in France, offering retail financing, leasing, and insurance products through the Toyota dealer network. Comparable as a foreign OEM captive finance competitor with similar product bundle.
• BMW Financial Services France: Captive finance arm of BMW Group in France, providing financing, leasing, and insurance products through BMW and MINI dealer networks. Comparable as a premium-brand captive finance competitor in the French market.
• Mercedes-Benz Financial Services France: Captive finance arm of Mercedes-Benz Group in France, distributing financing, leasing, and insurance through Mercedes-Benz dealer networks. Comparable as a premium captive finance competitor in France.
• Renault Finance: Captive finance arm of Renault Group in France, offering vehicle financing, leasing, and insurance through Renault and Dacia dealer networks. Directly comparable as a French OEM captive competing for the same dealer-distributed auto finance customer.
• Volkswagen Financial Services France: French subsidiary of Volkswagen Financial Services, the captive finance arm of the Volkswagen Group, distributing financing and insurance through VW, Audi, Škoda, SEAT, and Cupra dealer networks in France. Closely comparable in business model and dealer-captive structure.

Broad incumbents

• BNP Paribas Personal Finance (Cetelem): Major French consumer credit specialist within BNP Paribas, offering personal loans, auto loans, and revolving credit through dealer and retail partnerships. Broad incumbent competitor in French consumer and auto lending, with wider scope than a single-OEM captive.
• Crédit Agricole Consumer Finance: Consumer finance arm of Crédit Agricole group providing personal loans, auto loans, and dealer financing across France. Broad incumbent in the French consumer credit market competing for dealer-distributed auto financing.
• Société Générale (Consumer Finance / Auto): Major French universal bank with a significant consumer and auto lending franchise through its branch and dealer partnerships. Broad incumbent offering comparable auto financing products but across multiple OEMs and consumer segments.

Emerging players

• Younited Credit: France-based digital consumer credit platform offering personal loans and refinancing online, including for vehicle purchases. Emerging player with partial overlap in the French consumer credit market and a digital-first model that pressures traditional captive and bank lenders.
• Cofidis France: French subsidiary of Cofidis (Crédit Mutuel group) providing consumer credit and auto loans, including dealer-distributed financing. Emerging-to-incumbent player with comparable consumer and auto credit products in France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Customer concentration

• YouTubeyoutube.com/@psafinancefrance9035
• Facebookfacebook.com/PSAFinanceFrance
• LinkedInlinkedin.com/company/psa-finance-france---credipar

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stellantis Finance & Services