Effico, international company specialised in the integral treatment of outstanding debt, is a Cetelem Group Company in Spain, leader in consumer finance and personal financial services, and a BNP Paribas subsidiary, the leading financial group in Europe.

Effico has its origin in the Cetelem Group’s 50 years experience in the management of the risk and recovery chain. Grupo Cetelem, The Cetelem Group is an expert on the consumer clients market, and has evolved in three directions: to know the client, to facilitate his payments and to gain his loyalty.

Effico’s added value is precisely the Group to which it belongs, where "debt recovery" is a commercial goal, a philosophy that we transmit and is patent in our culture. The recovery of a debt is considered a professional action, with very clear and unique objectives, for the profitability of our services.

In Europe, we are present in Spain, Portugal and France.