Car Loan
Why settle for just any car?

Stop dreaming:
- Request a loan of between €2,500 and €60,000 and pay it off in between 18 and 96 months.
- Only for customers who have been with the bank for a minimum of 6 months.
- NIR1 8.75% (APR: from 9.97% to 15.36%)2. The APR may change, depending on the term and amount of the transaction due to the existence of a percentage fee with a minimum amount.
- Arrangement Fee: 2.50% (minimum €75).
- Assessment Fee: 0.25% (minimum €30). Sol·licita de 2.500 € a 60.000 € i retorna'ls a terminis de 18 a 96 mesos.
- Compensation for early repayment from 0.50% to 1%3.

Are you thinking about purchasing an eco-friendly car? We make it easy for you with the ECO Car Loan4
There is now a 50% discount on the arrangement fee.And a free VIA-T5 toll device for the first year and 50% the second year.




The granting of the loan, its amount and the repayment period for each transaction requested will be determined by and contingent on the bank’s risk criteria.
1. Car Loan at 8.75% NIR. Interest rate and arrangement and assessment fees for natural persons (excluding business and professional purposes) for customers who have been with the bank for more than six months, with their salary paid directly into their account and subject to the risk assessment. Offer valid until 30/06/2021. Conditions valid for loan applications made through remote channels for amounts ranging from 2,500 euros up to 60,000 euros.
2. The calculation of the APR for the NON-ECO car loan includes an arrangement fee of 2.50% (minimum €75) and an assessment fee of 0.25% (minimum €30) calculated on the amount of the loan. The APR may change, depending on the repayment period and amount of the transaction as a percentage fee applies with a minimum amount. Fee calculated without taking into account the three-month optional interest-only period:
Example for a loan amount requested of 2,500 euros:
Minimum APR of 10.44% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 36.31 euros. The final instalment is a lower amount: 35.54 euros. Total debt amount: 3,589.99 euros. Total cost of the loan: 1,089.99 euros. Total amount of interest on the loan: 984.99 euros. Minimum arrangement fee of 75 euros and assessment fee of 30 euros.
Maximum APR of 15.36% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 148.71 euros. The final instalment is a lower amount: 148.63 euros. Total debt amount: 2,781.70 euros. Total cost of the loan: 281.70 euros. Total amount of interest on the loan: 176.70 euros. Minimum arrangement fee of 75 euros and assessment fee of 30 euros.
Example for a loan amount requested of 5,000 euros:
Minimum APR of 10.08% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly payment of 72.61 euros. The final instalment is a lower amount: 72.04 euros. Total debt amount: 7,124.99 euros. Total cost of the loan: 2,124.99 euros. Total amount of interest on the loan: 1,969.99 euros. Arrangement fee of 2.50% calculated on the principal amount of 5,000 euros (125 euros) and minimum assessment fee of 30 euros.
Maximum APR of 13.65% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 297.42 euros. The final instalment is a lower amount: 297.26 euros. Total debt amount: 5,508.40 euros. Total cost of the loan: 508.40 euros. Total amount of interest on the loan: 353.40 euros. Arrangement fee of 2.50% calculated on the principal amount of 5,000 euros (125 euros) and minimum assessment fee of 30 euros.
Example for a loan amount requested of 12,000 euros:
Minimum APR of 9.97% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 174.26 euros. The final instalment is a lower amount: 173.28 euros. Total debt amount: 17,057.98 euros. Total cost of the loan: 5,057.98 euros. Total amount of interest on the loan: 4,727.98 euros. Arrangement fee of 2.50% calculated on the principal amount of 12,000 euros (300 euros) and assessment fee of 0.25% calculated on the amount financed of 12,000 euros (30 euros).
Maximum APR of 13.12% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 713.80 euros. The final instalment is a lower amount: 713.70 euros. Total debt amount: 13,178.30 euros. Total cost of the loan: 1,178.30 euros. Total amount of interest on the loan: 848.30 euros. Arrangement fee of 2.50% calculated on the principal amount of 12,000 euros (300 euros) and assessment fee of 0.25% calculated on the amount financed of 12,000 euros (30 euros).
Repayment system and calculation formula for the repayment of the principal debt and the interest:
The French repayment system, which features a system of consistent instalments, is used for the calculation of the instalments to be paid. I.e., the same amount is paid every month, provided that the interest rate applicable to the transaction does not vary during the settlement period, or that no early repayments have been made.
3. If the period from early cancellation to the theoretical maturity of the contract is less than 12 months, the fee is 0.50%; if it is longer, it is 1.00%.
4. The calculation of the APR for the ECO car loan includes an arrangement fee of 1.25% (minimum €37.50) and an assessment fee of 0.25% (minimum €15) calculated on the amount of the loan. The APR may change, depending on the repayment period and amount of the transaction as a percentage fee applies with a minimum amount. Fee calculated without taking into account the three-month optional interest-only period:
Example for a loan amount requested of 2,500 euros:
Minimum APR of 9.76% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 36.31 euros. The final instalment is a lower amount: 35.54 euros. Total debt amount: 3,537.49 euros. Total cost of the loan: 1,037.49 euros. Total amount of interest on the loan: 984.99 euros. Minimum arrangement fee of 37.50 euros and assessment fee of 15 euros.
Maximum APR of 12.14% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 148.71 euros. The final instalment is a lower amount: 148.63 euros. Total debt amount: 2,729.20 euros. Total cost of the loan: 229.20 euros. Total amount of interest on the loan: 176.70 euros. Minimum arrangement fee of 37.50 euros and assessment fee of 15 euros.
Example for a loan amount requested of 5,000 euros:
Minimum APR of 9.59% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly payment of 72.61 euros. The final instalment is a lower amount: 72.04 euros. Total debt amount: 7,047.49 euros. Total cost of the loan: 2,047.49 euros. Total amount of interest on the loan: 1,969.99 euros. Arrangement fee of 2.50% calculated on the principal amount of 5,000 euros (62.50 euros) and minimum assessment fee of 15 euros.
Maximum APR of 11.33% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 297.42 euros. The final instalment is a lower amount: 297.26 euros. Total debt amount: 5,430.90 euros. Total cost of the loan: 430.90 euros. Total amount of interest on the loan: 353.40 euros. Arrangement fee of 2.50% calculated on the principal amount of 5,000 euros (62.50 euros) and minimum assessment fee of 15 euros.
Example for a loan amount requested of 12,000 euros:
Minimum APR of 9.57% to be repaid in 96 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 174.26 euros. The final instalment is a lower amount: 173.28 euros. Total debt amount: 16,907.98 euros. Total cost of the loan: 4,907.98 euros. Total amount of interest on the loan: 4,727.98 euros. Arrangement fee of 2.50% calculated on the principal amount of 12,000 euros (150 euros) and assessment fee of 0.25% calculated on the amount financed of 12,000 euros (30 euros).
Maximum APR of 11.26% to be repaid in 18 months, at an annual nominal interest rate of 8.75% and a monthly instalment of 713.80 euros. The final instalment is a lower amount: 713.70 euros. Total debt amount: 13,028.30 euros. Total cost of the loan: 1,028.30 euros. Total amount of interest on the loan: 848.30 euros. Arrangement fee of 2.50% calculated on the principal amount of 12,000 euros (150 euros) and assessment fee of 0.25% calculated on the amount financed of 12,000 euros (30 euros).
Repayment system and calculation formula for the repayment of the principal debt and the interest:
The French repayment system, which features a system of consistent instalments, is used for the calculation of the instalments to be paid. I.e., the same amount is paid every month, provided that the interest rate applicable to the transaction does not vary during the settlement period, or that no early repayments have been made.
5. The contract conditions of the VIA-T when contracting an ECO Car Loan will be without an initial issue fee, with a maintenance fee of €7.50 in the second year and a maintenance fee of €15 from the third year onwards.