RCI Banque Spółka Akcyjna Oddział w Polsce

RCI Banque Spółka Akcyjna Oddział w Polsce is the Polish branch of the French credit institution RCI Banque S.A. (commercial brand: Mobilize Financial Services), the captive finance provider of Renault Group, operating in Poland under EU passporting with prudential supervision by the French ACPR and conduct oversight in Poland by the KNF. The branch focuses on automotive finance distributed mainly through the Renault and Dacia dealer network (and, where applicable, selected alliance-brand partners), offering consumer car loans for new and used vehicles sourced from partner dealers, including structures with higher final instalments and other manufacturer-subsidised variants; for businesses, loan-based financing is available, while leasing products are typically provided by an affiliated company (e.g., RCI Leasing Polska sp. z o.o.) within the same group. The range commonly includes insurance intermediation (motor policies, GAP, payment protection), service contracts and extended warranties, and long-term rental via group affiliates where available. Pricing, APR and fees depend on vehicle model, down payment, term and current promotions; loan prepayment is possible with proportional cost adjustment in line with Polish consumer-credit rules; vehicles generally serve as collateral and comprehensive insurance is required. Applications are handled at dealerships and online, with identity and creditworthiness checks (including queries to credit-information databases), e-signature and remote onboarding supported; typical documentation includes ID and proof of income for consumers and corporate registry and financials for businesses. Agreements can be serviced via helplines, dealer contact points and online self-service (installment schedules, settlement requests, consents); payments are most often collected by direct debit, and arrears trigger contractual fees and statutory interest as set out in the agreement. The entity does not operate as a universal retail bank in Poland and does not offer current accounts, cards or retail deposit products locally; its funding is primarily sourced at group level through capital markets and securitisations, with risk management policies set by the parent. Personal data processing follows GDPR, with privacy notices provided at application; complaints are handled under Polish rules with standard response timelines, and customers may escalate disputes to the Financial Ombudsman (Rzecznik Finansowy) or the courts. The branch is registered in Poland and typically based in Warsaw, and product naming in the market may reference either RCI Banque or Mobilize Financial Services depending on the channel; terms, eligibility and brand coverage can change, so prospective clients should verify current offers and legal entities on the official websites and at authorised dealers.