PSA Finance

What PSA Finance does

PSA Finance operates in the Netherlands as Stellantis Financial Services, a wholly-owned captive finance subsidiary of Stellantis N.V. and the rebranded successor of the legacy PSA Group finance entity following the 2021 PSA-FCA merger. The company provides mobility financing, leasing, and insurance products to Dutch private individuals (Particulier) and business customers (Zakelijk), covering 13 Stellantis brands including Peugeot, Citroën, DS Automobiles, Opel, Fiat, Fiat Professional, Alfa Romeo, Jeep, Abarth, Maserati, Lancia, and the recently added Chinese EV brand Leapmotor.

The product portfolio is organized into two customer tracks. For individuals, the company offers Private Lease — a fixed-monthly subscription covering the vehicle, maintenance, insurance, and roadside assistance — alongside Financiering/Betaalplan (vehicle financing toward ownership) and Stellantis Autoverzekering in-house vehicle insurance. For business customers, it offers Financial Lease (with fiscal/ownership benefits for entrepreneurs), Free2Move Operational Lease (full-service fleet leasing), the Drive4Joy Autoabonnement car-subscription service, and the Travelcard fuel/service card. Core technology consists of the Mijn Omgeving self-service portal (contract management, invoicing, document upload, damage reporting) and the dealer-facing dealerportal, supported by the WelkModel.nl comparison platform launched in 2024 as a top-of-funnel customer-acquisition channel. Damage claims are processed by partner One Underwriting B.V.

The business model is recurring-revenue by construction: monthly lease, financing, insurance, and subscription payments from a long-tail of private and SMB contracts, originated primarily through Stellantis dealer referrals and direct online channels. The company positions itself as a Top-10 leasemaatschappij in the Netherlands with 50+ years of automotive-finance heritage, serving its customer base with a team of approximately 80 employees. Pricing is not publicly disclosed and is set per contract after document submission via the customer portal.

Name

PSA Finance

Legal name

Stellantis Financial Services

Website

https://psafinance.nl

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Short description

PSA Finance operates in the Netherlands as Stellantis Financial Services, a captive finance subsidiary of Stellantis offering Private Lease, Financial Lease, Operational Lease, financing, and insurance to individuals and businesses across 13 Stellantis brands, including the new Leapmotor EV line.

Ownership category

akta.pro rank

Product category

Automotive Finance & Leasing

NAICS

Sales Financing (52222), Insurance Carriers and Related Activities (524)

SIC

Finance Lessors (6172), Insurance Carriers, Nec (6399), Personal Credit Institutions (6141)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Automotive financing
• Vehicle leasing
• Captive finance
• Fleet leasing
• Car subscription

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Private Lease: Monthly subscription-based leasing for private individuals covering fixed costs including maintenance and insurance for electric vehicles
2. Financial Lease: Financing option for entrepreneurs where they become economic owner of the vehicle, providing fiscal/tax benefits
3. Financiering / Betaalplan: Financing solutions for private customers who prefer to own their vehicle
4. Operational Lease: Operational lease offerings through Free2Move brand
5. Stellantis Autoverzekering: Vehicle insurance products for private customers
6. Travelcard: Travel card for business lease customers
7. Drive4Joy Autoabonnement: Car subscription service for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

PSA Finance, operating as Stellantis Financial Services, is the captive finance arm of Stellantis N.V. in the Netherlands, providing vehicle leasing, financing, and insurance solutions for private individuals (Particulier) and business customers (Zakelijk). Core offerings include Private Lease subscriptions, Financiering (Betaalplan) for ownership, Financial Lease and Operational Lease for businesses, vehicle insurance, and a fuel card service (Travelcard) across 13 Stellantis automotive brands including Leapmotor EVs.

Product overview

Stellantis Financial Services is a mobility finance company offering a unified portfolio of leasing, financing, and insurance solutions for both private individuals and business customers. The product suite includes Private Lease and Financiering (Betaalplan) for personal customers, alongside Financial Lease, Free2Move Operational Lease, and Drive4Joy Autoabonnement for business clients. Insurance is provided through Stellantis Autoverzekering, with Travelcard serving as an add-on fuel card solution. The company supports 12 automotive brands including Peugeot, Citroën, DS Automobiles, Opel, Fiat, Fiat Professional, Alfa Romeo, Jeep, Abarth, Maserati, Lancia, and the newly introduced Leapmotor electric vehicle brand. Customers access services through the Mijn Omgeving self-service portal and can browse vehicle options via the WelkModel.nl comparison platform.

Differentiator

Problem solved

Functional benefit

Brands

• Private Lease: Private leasing service for individuals offering fixed monthly payments including maintenance and insurance
• Financial Lease
• Free2Move Operational Lease
• Drive4Joy Autoabonnement
• Travelcard
• WelkModel.nl
• Leapmotor Private Lease

Products and services

• Private Lease

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

Partnerships

Three partnerships are on record, tiered core and minor.

• LeapmotorcoreStrategic or Co-development PartnerLeapmotor is a leading electric vehicle brand now available in the Netherlands through Stellantis Financial Services. Customers can private lease, finance, or financial lease Leapmotor vehicles (T03 and C10 models). This represents Stellantis Group's new EV brand integrated into the finance offerings.
• WelkModel.nlminorGTM or Marketing PartnerWelkModel.nl is an automotive comparison platform that guides customers in choosing the right vehicle. Stellantis Financial Services promotes this platform as a resource for customers to research and compare vehicles before using finance services.
• One Underwriting B.V.minorImplementation/ SI/ Consulting PartnerOne Underwriting B.V. handles damage claims for Stellantis Financial Services customers. Damage reports are submitted through the Mijn Omgeving portal and forwarded to One Underwriting for processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mercedes-Benz Mobility: Captive finance and leasing arm of Mercedes-Benz, active in the Netherlands. Competes directly for premium and fleet lease business against Stellantis Financial Services' Alfa Romeo, DS, and Maserati offerings.
• Renault Financial Services: Captive finance arm of Renault Group (RCI Banque) operating in the Netherlands. Directly comparable as a European OEM-tied finance provider offering lease, loan, and insurance products through dealer networks.
• Toyota Financial Services: Captive finance operation for Toyota and Lexus in the Dutch market. Highly comparable business model — manufacturer-tied lease and loan products, dealer-channel distribution, and recurring subscription-style payments.
• BMW Group Financial Services: Captive finance provider for BMW, MINI, and Rolls-Royce vehicles in the Dutch market. Operates with the same business model — manufacturer-tied lease and finance products delivered through authorized dealer networks.
• Volvo Car Financial Services: Captive finance arm of Volvo Cars operating in the Dutch market. Comparable manufacturer-tied lease and loan model serving premium-segment customers via Volvo's dealer network, with growing EV exposure through Volvo's BEV lineup.
• Hyundai Capital: Captive finance company for Hyundai and Kia, operating across European markets including the Netherlands. Comparable OEM-tied finance model with strong EV product lineup (Ioniq, EV6), directly competing for the same Dutch EV lease customers Stellantis targets via Leapmotor.
• Volkswagen Financial Services: Captive auto finance arm of Volkswagen Group operating in the Netherlands. Like Stellantis Financial Services, it finances lease and loan products exclusively across VW Group brands, directly competing for the same Dutch dealer-channel customers.

Broad incumbents

• LeasePlan: One of the world's largest fleet leasing and mobility companies, headquartered in the Netherlands. Operates across multiple OEMs at much greater scale, competing for the same Dutch corporate fleet customers that Stellantis Financial Services targets with its Operational Lease and Financial Lease products.
• Ayvens: Formed from the merger of ALD Automotive and LeasePlan, Ayvens is the global leader in full-service vehicle leasing. Directly competes with Stellantis Financial Services' Operational Lease and Free2Move offerings for Dutch corporate fleet business, with multi-OEM flexibility that the Stellantis captive cannot match.
• Athlon: Rabobank-owned fleet leasing and mobility provider, headquartered in the Netherlands. Competes head-to-head with Stellantis Financial Services in Dutch operational lease and fleet management, with multi-brand flexibility and bank-parent funding advantages.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/psafinancenl
• LinkedInlinkedin.com/company/psa-financial-services-nederland-bv

Revenue estimate

Valuation estimate

Number of profiles

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 PSA Finance