With Caixa vehicle financing, you can purchase a new or used car with great practicality. It is possible to finance up to 80% of the vehicle's value with installments that really fit into your pocket.
With facilities ranging from competitive rates to flexible payment terms, Caixa Econômica Federal stands out for offering solutions that adapt to the varied needs of its customers.
If you are considering purchasing a vehicle and are looking for a financing option that combines security, flexibility and support, Caixa vehicle financing may be the ideal choice. Read on for a complete guide to the service and see how to take the next step towards your new car.
How does Vehicle Financing Work?
O Caixa vehicle financing It is one of the most affordable and efficient ways to purchase a car, whether new or used. Understanding the financing process is essential to make informed decisions and choose the best option for your needs and financial conditions.
Let's detail how it works, covering everything from the types of financing available to the basic requirements for applying.
Types of Financing Available
- CDC (Direct Consumer Credit): An option for Caixa vehicle financing traditional, where the vehicle is sold to the financial institution until the loan is fully repaid;
- Leasing: Although less common for light vehicles, this option allows you to “rent” the vehicle for a pre-determined period, with the option to purchase at the end of the contract.
Interest Rates
- The interest rate may vary according to the customer profile, the type of vehicle and the chosen financing term. It is crucial to compare the rates offered and understand how they affect the total cost of the Caixa vehicle financing.
Payment Deadlines
- Payment terms can vary widely, typically from 12 to 60 months, allowing the customer to choose a plan that best suits their ability to pay.
Basic requirements
- Minimum age of 18 or legally emancipated;
- CPF without restrictions at Serasa/SPC;
- Proof of income compatible with the desired financing amount;
- Presentation of personal documents (RG, CPF), proof of income and residence.