“Can the merged Stellantis captive finance arm in Brazil turn every dealership into an embedded finance and insurance point-of-sale for six auto brands?”
Created from the 2023 restructuring of the legacy Banco PSA (ex-PSA/Peugeot-Citroën captive) and Banco Fidis (ex-FCA captive) into a unified Brazilian financial services organization following the 2021 Stellantis merger. Retail auto financing runs through Stellantis Financiamentos (an SCFI), while wholesale, corporate, cards, receivables financing and CDB/LF investment products run through Banco Stellantis (a licensed BACEN bank). The current strategic thrust is embedded finance around the dealer network — extending from pure auto lending into embedded insurance (BNP Paribas Cardif prestamista, Dec 2025), a broker brand (Stellantis Seguros), and a corporate card program.
Stellantis Financial Services Brazil discloses Banco Stellantis S.A. (in-house) and Stellantis Financiamentos SCFI S.A. (in-house) as its banking providers, according to the Embedded Finance Index 2026.
Stellantis Financial Services Brazil does not disclose a bank charter of its own; its banking services are provided through Banco Stellantis S.A. (in-house) and Stellantis Financiamentos SCFI S.A. (in-house).
Stellantis Financial Services Brazil's cards are issued through Banco Stellantis S.A. (in-house) on the Mastercard network.
Stellantis Financial Services Brazil's lending and capital products are provided by Banco Stellantis S.A. (in-house) and Stellantis Financiamentos SCFI S.A. (in-house).
Stellantis Financial Services Brazil's embedded insurance is provided by BNP Paribas Cardif.
The Embedded Finance Index 2026 maps 6 layers in Stellantis Financial Services Brazil's stack: Banking / BaaS (Banco Stellantis S.A. (in-house) and Stellantis Financiamentos SCFI S.A. (in-house)); Card issuing (Banco Stellantis S.A. (in-house)); Card network (Mastercard); Lending (Banco Stellantis S.A. (in-house), Stellantis Financiamentos SCFI S.A. (in-house), Retail auto financing for new & used vehicles (Citroën, Fiat, Peugeot, Jeep, Ram, Leapmotor), Wholesale/floorplan financing for Stellantis dealers and 3 others); Insurance (BNP Paribas Cardif); Spend / AP (Banco Stellantis S.A. (in-house)).
Stellantis Financial Services Brazil is founded in 2023 and headquartered in São Paulo, Brazil.
Get a read on where your own stack stands against Stellantis Financial Services Brazil and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.