psa peugeot citroen/credipar

What psa peugeot citroen/credipar does

PSA Peugeot Citroën/CREDIPAR (commercially Stellantis Finance & Services) is the captive financial services arm of Stellantis N.V. in France, operating as a private Société Anonyme headquartered in Poissy with €138,517,008 share capital and ACPR-regulated credit-institution status. Founded in 1979 as a 50/50 joint venture between PSA and SOVAC to consolidate financing for Peugeot and Citroën brands, it became a wholly-owned subsidiary of PSA Banque France in 2015 following the Santander joint venture, and was rebranded to Stellantis Finance & Services in April 2023 following the global Stellantis merger. The company processes nearly 300,000 vehicle financing applications annually and captures 45% of Stellantis individual clients in France.

The product portfolio centers on automotive financing for individual consumers (Crédit Classique, Crédit Ballon, LOA, LLD) and professionals (VAC Pro, Crédit-Bail), complemented by a comprehensive insurance ecosystem distributed as agent or broker for underwriters including AXA France IARD, Europ Assistance, Stellantis Insurance Europe Limited, and Stellantis Life Insurance Europe. Service add-ons include warranty extensions (new vehicles and SPOTICAR used vehicles), maintenance contracts (PREMIUM, ADVANCED), the Pass Sérénité assistance product, and a Drive & Connect telematics-based usage-based insurance offering. Sub-brands Free2Move Lease (LLD for professionals) and Efficar (Qualiopi-certified commercial training for Stellantis brand sales advisors) round out the ecosystem.

The business model relies on interest income from the credit and leasing book, commissions from insurance distribution, and fees from extended warranty and maintenance contracts, all monetized primarily at the point of sale through the Stellantis dealer network across France. Distribution channels include the physical dealer networks of 15 Stellantis brands (Peugeot, Citroën, DS, Opel, Fiat, Jeep, Alfa Romeo, Abarth, Lancia, Leapmotor, Maserati, among others), the brand websites, the Espace Client online portal (24/7), and telephone customer service. Operations are exclusively domestic (France), and the customer base is structurally 100% tied to Stellantis brand vehicle purchasers, creating both a captive distribution advantage and a concentration risk tied to parent OEM volume.

Name

psa peugeot citroen/credipar

Legal name

CREDIPAR

Website

https://credipar.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Captive financial services arm of Stellantis in France, offering auto financing (credit, leasing, LLD), insurance, warranties, and maintenance services to individual and professional customers through the Stellantis dealer network across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Poissy

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Financing Products: Revenue generated from interest on credit products (classic credit, credit balloon, leasing/LOA, LLD, credit-bail) offered to individuals and professionals for vehicle purchases. The company acts as the captive finance arm of Stellantis, financing all Stellantis brand vehicles sold in France.
2. Insurance Products: Commission revenue from insurance products distributed on behalf of insurers including Stellantis Insurance Europe Limited, AXA France, Europ Assistance, and Stellantis Life Insurance Europe. Products include auto insurance, payment protection insurance, extended warranties, and assistance services.
3. Service Products: Revenue from extended warranty contracts (PREMIUM, ADVANCED), maintenance contracts, and vehicle service packages bundled with financing or sold separately.
4. Training Services (Efficar): Efficar training organization provides commercial training to Stellantis brand sales advisors on financing solutions, regulations, and customer relationship management.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Stellantis Finance & Services (commercial name of CREDIPAR SA) is the captive finance company of the Stellantis group in France, providing automotive financing (credit, leasing, long-term rental), insurance (auto, financing protection, life/disability), extended warranties, maintenance contracts, and assistance products to individual and professional customers purchasing vehicles from Stellantis brand dealerships. Founded in 1979 and headquartered in Poissy, the company is an ACPR-regulated credit institution that processes nearly 300,000 vehicle financing applications annually and captures 45% of Stellantis brand individual clients in France.

Product overview

Stellantis Finance & Services (commercial name of CREDIPAR SA) operates as the unified financial services platform for the Stellantis group in France. The portfolio centers on automotive financing solutions including traditional credit (Crédit Classique, Crédit Ballon), leasing structures (LOA, LLD for individuals; Crédit-Bail, VAC Pro for professionals), complemented by a comprehensive insurance ecosystem (Protection Valeur Auto, Sécurité Remplacement PLUS, Garantie Perte Financière, LOCAVIE, vehicle insurance through Stellantis Insurance/AXA). Service add-ons include warranty extensions (new vehicle contracts and SPOTICAR used vehicle programs), maintenance contracts, and assistance products (Pass Sérénité). Digital infrastructure comprises the Espace Client online portal and electronic safe. The Drive & Connect telematics insurance represents the sole technology-enabled product. The company is ISO 18295-1 certified for customer relations and regulated by ACPR, serving both individual and professional segments across 15 Stellantis brands.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit Classique (Classic Credit)

Quantifiable outcome

• Nearly 300,000 vehicle financing applications processed annually
• +2 more outcomes

Named customers3 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

Integration10 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, major and minor.

• Stellantis (Groupe Stellantis)coreStrategic or Co-development Partner · 1 April 2023Stellantis Finance & Services is the captive finance company of Stellantis group in France, financing all Stellantis brand vehicles. The company was renamed from PSA Finance France to Stellantis Finance & Services in April 2023 following the Stellantis merger of PSA Group and Fiat Chrysler Automobiles.
• Free2Move (Stellantis mobility brand)coreStrategic or Co-development Partner · 1 September 2016Citroën Business Finance and Peugeot Lease adopted the unified 'Free2Move Lease' brand in September 2016, dedicated to LLD and associated services for professionals, integrated into the Free2Move mobility ecosystem.
• Santander Consumer Finance / PSA Banque FrancecoreStrategic or Co-development Partner · 2 February 2015In February 2015, Banque PSA Finance and Santander Consumer Finance created 'PSA Banque France' as a 50/50 joint venture. CREDIPAR became a 100% subsidiary of PSA Banque France from this date.
• Stellantis Insurance Europe LimitedmajorTechnology or IntegrationInsurance products including Protection Valeur Auto, Sécurité-Remplacement, and Garantie Perte Financière are distributed as insurance agent and underwritten by Stellantis Insurance Europe Limited, based in Malta and regulated by MFSA.
• AXA France IARD / AXA Assurances IARD MutuellemajorTechnology or IntegrationAutomotive insurance products (excluding Protection Juridique and Assistance) are underwritten by AXA France IARD and AXA Assurances IARD Mutuelle, acting in co-insurance. AssurOne Group acts as insurance broker.
• Europ AssistancemajorTechnology or IntegrationPass Sérénité assistance product is underwritten by Europ Assistance, providing vehicle breakdown, travel, and health assistance services.
• Stellantis Life Insurance Europe LimitedmajorTechnology or IntegrationDeath and disability insurance products (Décès Invalidité) are distributed as insurance agent and underwritten by Stellantis Life Insurance Europe Limited, based in Malta.
• EfficarminorImplementation/ SI/ Consulting PartnerEfficar is the internal training organization of Stellantis Finance & Services, providing commercial training to Stellantis brand sales advisors on financing solutions, regulations, and customer relationship management.
• AssurOne GroupmajorChannel Partner/ Reseller/ DistributorAssurOne Group acts as insurance broker, handling presentation, subscription, and warranty management for Stellantis Insurance auto products.

Scale indicators5 records

Recent moves12 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xfacebook.com/StellantisFinanceServices
• YouTubeyoutube.com/@psafinancefrance9035
• LinkedInlinkedin.com/company/credipar
• Facebookfacebook.com/StellantisFinanceServices

Compliance5 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 psa peugeot citroen/credipar