We finance your purchases in the most convenient way! 🤝

To apply for financing, simply make your purchase and select the financing option as the payment method. From that moment, the financing process begins.
An easy, fast, and secure process.

Cetelem - Financing Solution
 

• Payment options up to 36 months or even installments adapted to the customer's needs
• Financing available from 150€.
• Exclusive online financing.
• Valid for individual customers only.

Representative Example: Personal loan. Example for 600€ paid in 12 installments of 53.11€. ISUC of 10.56€ added to the first installment. APR 15.7%, Fixed Interest Rate 10.86%. Total Amount Repayable (MTIC) 647.88€.
Credit subject to approval by Cetelem, a brand of BNP Paribas Personal Finance, S.A., Portugal branch (BdP registration 848), from whom further information should be sought.
Aquário Comércio de Electrónica, SA acts as a credit intermediary as an accessory and without exclusivity.

CREDIT INTERMEDIARY AS ACCESSORY (DECREE-LAW 81-C 2017)
 

Information provided in compliance with Article 53, nos. 1 and 2 of Decree-Law no. 81-C/2017, of July 7 ("Legal Regime for Credit Intermediaries")

• Identification of the credit intermediary:

Aquário, Comércio de Electrónica, S.A.
NIPC: 501918515
Address: Rua Dr. Julio de Matos, 65-79, 4200-356 Porto

• Registered credit intermediary:

0006018 (registration number with the Bank of Portugal)

Proof of registration with the Bank of Portugal

Client Portal Website

• Contact details for the activity:

Email: financiamento@aquario.pt
Exclusive Phone: 223209277

• Identification of the lender with whom a binding contract is maintained

1. CETELEM, BNP Paribas Personal Finance S.A., Portugal branch
   Head Office Rua Galileu Galilei, no. 2, 8th Floor, West Tower – Colombo Shopping Center, 1500-392 Lisbon
   No exclusivity agreement

• Category of credit intermediary:

Credit intermediary as an accessory

• Indication of the credit intermediation services authorized for provision:

Presentation or proposal of consumer credit contracts

• Entity guaranteeing civil liability for the credit intermediary activity and the respective insurance contract number and validity period:

Liberty Seguros and Lloyd's Insurance Company, S.A.
Policy No. PI-58240120L0
Valid from 02/08/2022 to 01/08/2023

Additional Information:

• Aquário, Comércio de Electrónica S.A. cannot receive or deliver any amounts related to the formation, execution, and early fulfillment of credit contracts;
• The activity of Aquário, Comércio de Electrónica S.A. as a credit intermediary is subject to the supervision of the Bank of Portugal

Technical Manager: Maria Manuela Teixeira de Sousa e Silva

Arbitration Centers:

Arbitration Center at the Autonomous University of Lisbon
Rua de Santa Marta, no. 43-E, 1st Floor, C
1150-293 Lisbon
Tel: 213 177 660 / Mobile: 919 113 260

Consumer Information and Arbitration Center of Porto
Rua Damião de Góis, 31 Shop 6 - 4050-225 Porto
Tel: 225 029 791 / 225 508 349
 

FREQUENTLY ASKED QUESTIONS

Who is eligible to apply for financing?

• Private individual, aged 18 or older, who declares income. The order and respective invoice holder must be the financing holder.

When will the first installment be charged?

• On the 1st business day of each month, by direct debit from the bank account specified in the contract.

Can I add a second holder to my contract?

• Yes, as long as they are a direct family member (e.g., parent or spouse).

Is it possible to amortize or settle the credit contract early?

• Yes, simply contact Cetelem for details on how to proceed.

How long does it take to process my credit application?

• A response may take up to 2 to 3 business days. If accepted, you will receive your contract by email.

Is it safe to sign documents digitally?

• The digital signature process is provided by Inforcert, a certified partner under European electronic signature legislation. This process involves sending a unique, personal, and non-transferable code to each client, allowing them to sign their contracts digitally. Through this process, your digital signature has the same validity as a handwritten one, as if you had signed the contract on paper.

Who is Infocert, and why does this company issue a certificate for my digital signature?

• Infocert is a certified entity, selected by Cetelem, responsible for the technological process of digital signature in accordance with European electronic signature legislation. Learn more about the company here.

In what format should I upload files with my documentation?

• You can upload documents in PDF, JPG, and PNG formats. Note, each document must not exceed 8MB.

I did not receive the SMS to sign the contractual documentation digitally. What should I do?

• The SMS code, personal and non-transferable, is sent directly to the mobile number provided during the credit application process. If you did not receive it, request a new code by selecting "didn’t receive a code?" and a new SMS will be sent. If you still don’t receive the SMS, verify that the mobile number you entered during the credit application is correct. To do this, check the particular conditions (1st page) of the contract automatically sent to your email to confirm the mobile number is correct. If it is not correct, please contact us at 21 721 90 00 (Customer Support on business days from 9 am to 6 pm).

What is the Application Status?

• An area where you can check the status of your credit application, sign your contract, and send documents digitally. To access this area, click here, enter the NIF and mobile number, and you will receive an SMS with an authentication code.

How can I access the digitally signed contract?

• If your application is still under review, you can view the contractual documentation you signed in the "Application Status" area. After approval, you can temporarily view your digitally signed contract in the "Application Status" area. Once signed, your credit contract will be available in your Cetelem Homebanking, accessible at all times.

How can I learn more about Cetelem or clarify any doubts regarding the Cetelem financing application?

• At BNP Paribas Personal Finance, we are consumer credit specialists, recognized in the market by the Cetelem brand. For more personalized assistance, click here or access the Cetelem APP.