Whether it is a new or used car, from a dealer or a private seller: the Financea auto loan finances your vehicle with a fixed rate and constant monthly payments.
Financing adapts to both the vehicle and the seller, whether a professional or a private individual.
Fixed rate and constant monthly payments throughout the duration of the loan.
Upload your documents and sign your contract online, without having to travel.
The auto loan is a personal loan assigned to the purchase of a vehicle. It covers the purchase price and can also include ancillary costs: vehicle registration, road preparation, initial insurance, or equipment. The amount is adjusted to your project and the seller is paid directly if you wish.
A new vehicle offers the manufacturer's warranty and depreciates significantly in the first few years. A used vehicle costs less to purchase but requires increased vigilance regarding mechanical condition, mileage, and maintenance history. In both cases, the financing structure is identical: only the amount and the resale value differ.
The displayed price is never the actual cost of the car. To the purchase price are added registration fees, and over time: insurance, fuel, maintenance, technical inspection, and depreciation. Including these items in your monthly budget prevents you from ending up with a comfortable credit payment but an unsustainable overall budget.
Classic credit makes you the owner of the vehicle upon purchase: it is the simplest solution, without mileage limits. Leasing with a purchase option (LOA) offers lower monthly payments in exchange for a down payment, a mileage limit, and a return or a buyout at the end of the contract. The choice depends on your usage and your desire to keep the vehicle.
To build your file, have a valid ID, proof of address less than three months old, your proof of income, and the purchase order or vehicle advertisement ready. These documents allow us to review your request quickly and release the funds at the right time.
| Financed amount | Duration | Indicative monthly payment |
|---|---|---|
| €8,000 | 48 months | ≈ €190 |
| €12,000 | 60 months | ≈ €240 |
| €20,000 | 72 months | ≈ €335 |
| €28,000 | 84 months | ≈ €420 |
Non-contractual examples, excluding insurance, provided for indicative purposes based on a fixed rate of 5.90%.
How it works
Estimate your monthly payment in seconds with our simulator, without obligation and without registration.
Provide your situation and contact details in a secure, fully online form.
Upload your supporting documents from your personal space: proof of identity, proof of address, and proof of income.
An advisor reviews your file, communicates the decision to you, and then you sign your contract electronically.
Rates, total cost, and monthly payments clearly announced before any commitment, with no hidden fees.
A single point of contact follows you from simulation to the repayment of the last euro.
Application, document submission, and electronic signature from your client portal.
Frequently Asked Questions
Yes. We pay the seller according to the terms provided in your file, even if it is an individual.
A loan commits you and must be repaid. Check your repayment capacity before committing. No payment of any kind may be required from an individual before obtaining one or more loans.