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Car Loan

Why settle for just any car?

Car Loan

Stop dreaming:

  • Request your loan of between €2,500 and €60,000 and pay it off comfortably in between 18 and 96 months.
  • Only for customers who have been with the bank for a minimum of 6 months.
  • NIR FROM 3.25% TO 13.25%1. Annual Percentage Rate (APR) from 4.05% to 20.69%2. The APR may vary, depending on the repayment period and amount of the transaction as there is a percentage fee, with a minimum amount.
  • Nominal interest rate variable NIR from 3.25 % to 13.25 % depending on the amount and term of each operation, which shall also be conditioned by the bank's risk criteria.
  • Arrangement Fee: 2.50% (minimum €75).
  • Assessment Fee: 0.25% (minimum €30).
  • And you will also have the possibility of early cancellation before maturity. If the period from early cancellation to the theoretical maturity of the contract is less than or equal to 12 months, the early redemption fee is 0.50%. If it is higher, it is 1.00 % of the amount repaid.
I’m interested

Are you thinking about purchasing an eco-friendly car? We make it easy for you with the ECO Car Loan3

  • There is now a 50% discount on the arrangement fee.
    Opening commission with discount: 1.25% (minimum € 37.50)
  • NIR from 3.25% to 13.25%. APR from 3.70% to 17.29%3
  • And a free VIA-T4

Offer valid until 15/01/2023.

Being one step ahead has its advantages
You will enjoy discounts on the motorway tolls in some communities, such as the EcoVIAT in Catalonia.
You will get free Registration Tax and a 75% discount on the road tax.
You'll be able to travel without any problems in large cities when the anti-pollution protocols are activated.
There are also discounts in parking areas in some cities, such as Madrid and Barcelona.
You may be interested in...
Information prior to the contracting

1. Car Loan NIR from 3.25% to 13.25%. The granting of the loan, its amount and the repayment period for each transaction requested will be determined by the bank’s risk criteria. 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 15/01/2023. Conditions valid for loan applications made through remote channels for amounts ranging from 2,500 euros up to 60,000 euros.

2. The APR may change, depending on the repayment period and the amount of the transaction, due to the existence of a percentage fee with a minimum amount. The calculation of the APR 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 requested. Fee calculated without taking into account the three-month optional interest-only period:

Representative example for a loan with a requested amount of 2,500 euros calculated at 3.25% NIR:

  • Minimum APR of 4.46% to be repaid in 96 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 29.61 euros. The final instalment is a lower amount: 29.42 euros. Total cost of the loan: 447.37 euros. Total amount of interest on the loan: 342.37 euros. Total debt amount: 2,947.37 euros. Arrangement fee of 75 euros and assessment fee of 30 euros.
  • Maximum APR of 9.14% to be repaid in 18 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 142.49 euros. The final instalment is a lower amount: 142.46 euros. Total cost of the loan: 169.79 euros. Total amount of interest on the loan: 64.79 euros. Total debt amount: 2,669.79 euros. Arrangement fee of 75 euros and assessment fee of 30 euros.
Example for a requested amount of 2,500 euros calculated at 13.25% NIR:

  • Minimum APR of 15.57% to be repaid in 96 months, at an annual nominal interest rate of 13.25% and a monthly payment of 42.37 euros. The final instalment is a lower amount: 42.05 euros. Total cost of the loan: 1,672.20 euros. Total amount of interest on the loan: 1,567.20 euros. Total debt amount: 4,172.20 euros. Arrangement fee of 75 euros and assessment fee of 30 euros.
  • Maximum APR of 20.69% to be repaid in 18 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 153.91 euros. The final instalment is a lower amount: 153.90 euros. Total cost of the loan: 375.37 euros. Total amount of interest on the loan: 270.37 euros. Total debt amount: 2,875.37 euros. Arrangement fee of 75 euros and assessment fee of 30 euros.
Example for a requested amount of 12,000 euros calculated at 3.25% NIR:

  • Minimum APR of 4.05% to be repaid in 96 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 142.12 euros. The final instalment is a lower amount: 142.31 euros. Total cost of the loan: 1,973.71 euros. Total amount of interest on the loan: 1,643.71 euros. Total debt amount: 13,973.71 euros. Arrangement fee of 300 euros and assessment fee of 30 euros.
  • Maximum APR of 7.05% to be repaid in 18 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 683.95 euros. The final instalment is a lower amount: 683.98 euros. Total cost of the loan: 641.13 euros. Total amount of interest on the loan: 311.13 euros. Total debt amount: 12,641.13 euros. Arrangement fee of 300 euros and assessment fee of 30 euros.
Example for a requested amount of 12,000 euros calculated at 13.25% NIR:

  • Minimum APR of 15.04% to be repaid in 96 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 203.37 euros. The final instalment is a lower amount: 203.23 euros. Total cost of the loan: 7,853.38 euros. Total amount of interest on the loan: 7,523.38 euros. Total debt amount: 19,853.38 euros. Arrangement fee of 300 euros and assessment fee of 30 euros.
  • Maximum APR of 18.33% to be repaid in 18 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 738.77 euros. The final instalment is a lower amount: 738.81 euros. Total cost of the loan: 1,627.90 euros. Total amount of interest on the loan: 1,297.90 euros. Total debt amount: 13,627.90 euros. Arrangement fee of 300 euros and assessment fee of 30 euros.
 If the period from the early cancellation to the theoretical maturity of the contract is less than 12 months, the early redemption fee is 0.50%; if it is longer, it is 1.00% on the amount repaid.
Amortisation schedule and calculation formula for the amortisation of principal and interest. The instalments to be paid are calculated using the French amortisation system, which features consistent instalments. That means that the same amount is paid every month, so long as the interest rate for the transaction does not change during the settlement period and no early amortisations are made.

3. ECO CAR LOAN: the APR may change, depending on the repayment period and the amount of the transaction, due to the existence of a percentage fee with a minimum amount. The calculation of the APR 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 requested. 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.
If you wish, you can also take out Total Loan protection insurance.

Example for a requested amount of 2,500 euros calculated at 3.25% NIR:

  • Minimum APR of 3.87% to be repaid in 96 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 29.61 euros. The final instalment is a lower amount: 29.42 euros. Total cost of the loan: 394.87 euros. Total amount of interest on the loan: 342.37 euros. Total debt amount: 2,894.87 euros. Arrangement fee of 37.50 euros and assessment fee of 15 euros.
  • Maximum APR of 6.14% to be repaid in 18 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 142.49 euros. The final instalment is a lower amount: 142.46 euros. Total cost of the loan: 117.29 euros. Total amount of interest on the loan: 64.79 euros. Total debt amount: 2,617.29 euros. Arrangement fee of 37.50 euros and assessment fee of 15 euros.
Example for a requested amount of 2,500 euros calculated at 13.25% NIR:

  • Minimum APR of 14.81% to be repaid in 96 months, at an annual nominal interest rate of 13.25% and a monthly payment of 42.37 euros. The final instalment is a lower amount: 42.05 euros. Total cost of the loan: 1,619.70 euros. Total amount of interest on the loan: 1,567.20 euros. Total debt amount: 4,119.70 euros. Arrangement fee of 37.50 euros and assessment fee of 15 euros.
  • Maximum APR of 17.29% to be repaid in 18 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 153.91 euros. The final instalment is a lower amount: 153.90 euros. Total cost of the loan: 322.87 euros. Total amount of interest on the loan: 270.37 euros. Total debt amount: 2,822.87 euros. Arrangement fee of 37.50 euros and assessment fee of 15 euros.
Example for a requested amount of 12,000 euros calculated at 3.25% NIR:

  • Minimum APR of 3.70% to be repaid in 96 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 142.12 euros. The final instalment is a lower amount: 142.31 euros. Total cost of the loan: 1,823.71 euros. Total amount of interest on the loan: 1,643.71 euros. Total debt amount: 13,823.71 euros. Arrangement fee of 150 euros and assessment fee of 30 euros.
  • Maximum APR of 5.31% to be repaid in 18 months, at an annual nominal interest rate of 3.25% and a monthly instalment of 683.95 euros. The final instalment is a lower amount: 683.98 euros. Total cost of the loan: 491.13 euros. Total amount of interest on the loan: 311.13 euros. Total debt amount: 12,491.13 euros. Arrangement fee of 150 euros and assessment fee of 30 euros.

Example for a requested amount of 12,000 euros calculated at 13.25% NIR:

  • Minimum APR of 14.60% to be repaid in 96 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 203.37 euros. The final instalment is a lower amount: 203.23 euros. Total cost of the loan: 7,703.38 euros. Total amount of interest on the loan: 7,523.38 euros. Total debt amount: 19,703.38 euros. Arrangement fee of 150 euros and assessment fee of 30 euros.
  • Maximum APR of 16.36% to be repaid in 18 months, at an annual nominal interest rate of 13.25% and a monthly instalment of 738.77 euros. The final instalment is a lower amount: 738.81 euros. Total cost of the loan: 1,477.90 euros. Total amount of interest on the loan: 1,297.90 euros. Total debt amount: 13,477.90 euros. Arrangement fee of 150 euros and assessment fee of 30 euros.
 Amortisation schedule and calculation formula for the amortisation of principal and interest:
The instalments to be paid are calculated using the French amortisation system, which features consistent instalments. That means that the same amount is paid every month, so long as the interest rate for the transaction does not change during the settlement period and no early amortisations are made.

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 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.

Additional information about the insurance policies linked to your loan: Total Loan Protection includes Total Life Protection and Total Payment Protection insurance. Total Life Protection is a life insurance policy of BanSabadell Vida, S.A. de Seguros y Reaseguros, and Total Payment Protection is an insurance policy from BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, both of which are brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell S.A., with Tax ID No. A03424223 and its registered address at Av. Óscar Esplá 37, 03007, Alicante, registered in the Mercantile Register of Alicante and in the DGSyFP Insurance Company Register, under code OV-0004, having taken out civil liability insurance and providing financial capacity in accordance with the Private Insurance and Reinsurance Brokerage Act. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at the website: www.bancsabadell.com/bsmediacion.

BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Company Registry under code no. C-0557. BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Company Registry under code no. C-0767.