The vehicle of your dreams,
financed today.
New, used or electric — up to €40,000 over 84 months, fixed APR from 4.90%. Response in principle in 2 minutes, funds in your account in less than 24 hours.
- Fixed APR from 4.90%
- 0 € administration fees
- Free early repayment
- Response in 2 minutes
Simulate your monthly payment
Indicative simulation · Subject to acceptance of the file
New, used or electric:
We adapt to your choice.
A preferential rate for electric and plug-in hybrid vehicles, in support of the energy transition.
Finance the purchase of your new vehicle from a dealership or through direct sales. Up to €40,000 over 84 months.
- All manufacturers and dealers
- Registration document to be provided within 30 days
- Additional car insurance available
Purchase between individuals or from a professional. Vehicle less than 10 years old and less than 150,000 km. Up to €25,000 over 72 months.
- Individual or professional
- Vehicle < 10 years and < 150,000 km
- Purchase order or bill of sale
We encourage the ecological transition with a reduced rate on all 100% electric and plug-in hybrid vehicles (WLTP ≥ 50 km electric).
- 100% electric or plug-in hybrid
- Eligible cumulative ecological bonus
- Installation of financeable charging station
An auto loan designed
for drivers.
We've redesigned end-to-end auto financing to eliminate friction and unpleasant surprises.
No opening or management fees. The APR displayed includes all the real costs of the credit.
Pay off your loan at any time, fully or partially, without additional fees.
Your monthly payment never changes during the entire term of the loan. No unpleasant surprises linked to market rates.
In the event of an unforeseen event, postpone up to 2 monthly payments per year from the application, without fees or proof.
Remaining capital due, next due date, complete amortization table — everything is available 24 hours a day.
Agreement in principle
Obtained in 2 min
“With the car loan, you drive your vehicle from day one. The funds are in your account in less than 24 hours after the end of the legal period.”
— Auto Loan Service Start my requestComplete your
financing.
Additional services to protect your purchase and your budget.
Borrower insurance
Protect your loan repayment in the event of death, disability or job loss. From 0.30%/month of capital.
Optional · Cancellable
Mechanical breakdown guarantee
Cover your vehicle against mechanical and electrical breakdowns for up to 3 years after purchase. Valid new and used.
New & Used · 3 years
Charging station included
For electric and hybrid vehicles, simultaneously finance the installation of a home charging station (up to €3,000).
Electric & Hybrid only
Flexible monthly payments
Adjust your monthly payments up or down once a year from the application, depending on the evolution of your income.
Free · Without proofYour car loan
in 4 simple steps.
Simulate online
Choose your amount, your duration and your type of vehicle. Obtain your monthly payment and your APR in real time, without registration.
Complete your file
Identity, income, identity document and purchase order or vehicle registration document. Everything is posted online in less than 10 minutes.
Response in 2 minutes
Our algorithm analyzes your file instantly. You receive an immediate response in principle, 24/7.
Drive within 24 hours
Sign your contract electronically. Funds are transferred directly to the dealership or to your account within 24 hours.
What your loan represents in practice.
Non-contractual representative examples. APR (Annual Effective Global Rate) fixed subject to acceptance of the file. Borrower insurance not included in the examples above. Offer subject to eligibility conditions. You have a legal withdrawal period of 14 calendar days from signing the contract.
They financed
their vehicle here.
“I obtained my €18,000 loan for a new Golf in less than an hour. Online form, immediate response, funds to dealer the next day. Flawless. »
“Green loan at 3.90% for my Tesla Model 3. The preferential rate allowed me to save more than €800 compared to the offer from my usual bank. And I financed the terminal at the same time! »
“Purchase of a second-hand item between individuals, €8,000. credia-financial accepted the file even though my former bank refused to grant a loan for a purchase between individuals. Very satisfied. »
Your questions
about the car loan.
An advisor is available by chat or telephone 7 days a week.
Do I have to be a credia-financial customer to obtain a car loan?
No. You can take out a car loan without having a current account with us. However, domiciling your income with us allows you to benefit from a preferential rate of 0.20 points and accelerated processing of the file.
What documents are necessary for the file?
For all car loans: valid identity document, last 3 pay slips (or 2 last tax notices), RIB, and purchase order or bill of sale for the vehicle. The registration document must be provided within 30 days of the release of funds.
Can I finance a purchase between individuals?
Yes. The car loan is valid for purchase from an individual, provided that the vehicle is less than 10 years old and less than 150,000 km. You will need to provide the deed of sale signed by both parties and the seller's crossed out registration document.
Are funds paid directly to the dealership?
You have the choice. Funds can be paid directly into your bank account, or transmitted directly to the dealer/seller upon request. The second option is often preferred for purchases from a professional because it simplifies the transaction.
Does the green rate apply to non-plug-in hybrids?
No. The preferential “green” rate at 3.90% APR is reserved for 100% electric vehicles and plug-in hybrids whose certified electric range (WLTP) is greater than or equal to 50 km. Non-rechargeable hybrids (mild-hybrid, classic full-hybrid) benefit from the standard new vehicle rate of 4.90% APR.
What happens if I sell my vehicle before the end of the loan?
You can repay your loan early at any time, completely or partially, without penalties with us. If you resell your vehicle, simply settle the loan with the proceeds from the sale. No complex process is necessary beyond reimbursement.
Ready to get behind the wheel?
Response in 2 minutes · Funds within 24 hours · €0 fees · Guaranteed fixed rate