Auto loan

The car loan can finance the purchase of a new or used vehicle.This loan allows you to have a sum of money from € 1,500 to € 35,000 for a car more than 2 years old or a new car ...
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About Personnal Credit

About Auto loan

  • Flexible and flexible

  • Customized loan

  • Fixed rate

  • Unsurprising credit

The car loan can finance the purchase of a new or used vehicle.This loan allows you to have a sum of money from € 1,500 to € 35,000 for a car over 2 years or a new car, usable at your convenience for the acquisition of a motorcycle or a new or used car.TARC fixed from 0.90% to 19.50%.

The used car credit + 2 years concerns the acquisition of a motorcycle or a second-hand car of more than two years, within the limit of a repayment of 12 to 60 months. The new car credit is intended for financing a new car or less than two years for a repayment period of between 12 and 72 months.

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Because your needs and expectations are not the same as those of other drivers, Crédit Univers makes a point of honor to make auto credit, a personalized loan. -Finance, give yourself the vehicle of your dreams!

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Frequent questions about auto credit

What is an auto loan for?

The Crédit Univers car loan is used to finance the purchase of a new or used vehicle.When the sale, the credit agency provides you the funds to pay the You must then reimburse the credit institution for a defined period of time.

The Crédit Univers car loan makes it possible not only to buy a car but also a motorcycle, a utility vehicle, a camper, etc. Finally, it allows to finance all ancillary costs such as the payment of official documents such as the registration card or accessories, insurance, etc.

What documents to provide for a car loan?

When you demande for a car loan, you will be asked to provide certain documents, which must allow Crédit Univers to evaluate your profile and determine if you meet the conditions of acceptance. auto loan.

This is first of all personal documents (identity card, proof of address, etc.). These are also financial documents like your latest pay slips, tax notices, etc.). The objective here is to evaluate your financial situation and especially your repayment capabilities.

What are the conditions for accepting an auto loan?

To be able to take out a car loan, you have to meet certain criteria that determine the loan's acceptance.

It depends on your ability to repay, including your available income. Are they high enough to pay in good conditions each monthly loan? Your debt ratio will vary depending on your resources and if your resources are not sufficient your auto loan may be refused.

It also depends on your personal situation and especially the recurring expenses that you have to pay each month. Your credit should not prevent you from coping with it serenely.

What are the terms of repayment of a car loan?

The terms of repayment of a car loan may vary depending on what was originally defined but also according to the vagaries of life.

The repayment terms are first and foremost linked to the repayment period, which may vary depending on the type of vehicle (new or used) but also simply depending on what you choose.

It is also necessary to take into account the repayment period which corresponds to the period between the signature of the car loan and the first reimbursement

Finally, it is important to know the conditions related to the early repayment and any refund breaks. Indeed, it is possible under conditions to prepay a portion of the loan.