Important Informations


The brand is a subsidiary of the BNP Paribas Group, specializing in consumer loans and credit cards primarily available in retail stores and online. Alongside retail financing, the brand also offers traditional online loans independent of retail partnerships. Its origins trace back to WKV Bank GmbH, which was acquired in 2001 by the French Cetelem S.A. Paris and Dresdner Bank AG, later renamed to Cetelem Bank GmbH. Subsequently, it underwent several name changes, including Dresdner-Cetelem Kreditbank and Commerz Finanz GmbH. In early 2018, Commerz Finanz GmbH merged with BNP Paribas S.A., leading to its integration into BNP Paribas Germany. In April 2019, VON ESSEN Bank and the brand, both specialized in consumer loans under the BNP Paribas Group, were merged. Today, the brand, headquartered in Munich, employs 1,500 staff and serves over 1.5 million customers.

What are your benefits?ūüôČ
Loan amounts between ‚ā¨1,500 and ‚ā¨80,000 Free special repayments Flexible installment break Low interest rates Flexible loan term Fast payouts
What are your disadvantages?ūüôä
Free total repayment 100% digital contract conclusion Legitimacy by post office…
Independent assessment of Expance?ūüźĶ

As professional experts, we would rate the bank with 4 out of 5 stars. Part of the esteemed BNP Paribas Group, it has established itself as a significant player in consumer loans and credit cards, both in retail and online. With a diverse range of financing options and a focus on customer needs, it has proven to be a trusted choice for millions of consumers. However, we see room for improvement in transparency and customer communication. Clearer fee and condition disclosures, along with enhanced customer support, could further strengthen trust and satisfaction. Overall, we view the bank as a solid choice for consumers seeking reliable financing solutions. Continuous efforts to enhance the customer experience and product offerings could solidify its market position and maximize growth potential.

Professional evaluation