Finance your vehicle with our auto loan
The Fidexico auto loan is an earmarked credit: it is legally linked to the purchase of your vehicle. This gives you additional protection: if the sale is cancelled or the vehicle is not delivered, the credit agreement is automatically cancelled. Funds are paid directly to the seller (dealer or private individual) after signing your contract, securing the transaction for all parties.
Fidexico finances all types of vehicles: new cars, used cars, electric vehicles, plug-in hybrids, motorcycles, light commercial vehicles and motorhomes. For electric vehicles, the government bonus can be deducted from the borrowed amount, reducing your monthly payment. Our simulator integrates available subsidies to present you with an optimised financing plan.
The Fidexico auto loan stands out for the speed of processing applications and the ability to obtain a preliminary agreement (financing proposal) even before you have found your vehicle. You can approach a dealer or private seller knowing exactly what budget you can commit to, which strengthens your negotiating position.
Financial features
| Financeable amount | From €3,000 to €75,000 |
| Repayment period | From 12 months to 84 months (7 years) |
| Rate type | Fixed rate — identical monthly payments throughout the loan |
| Indicative APR | From 3.5 % (final APR based on profile and vehicle) |
| Processing fees | Variable based on amount and term — conditions communicated before subscription |
| Nature of credit | Earmarked credit — linked to vehicle purchase |
| Fund disbursement | Directly to the seller (professional or private) after contract |
| Electric vehicle bonus | Deductible from borrowed amount — integrated simulator |
| Borrower insurance | Optional — DC, PTIA, ITT, job loss coverage |
Required documents
How to get your auto loan?
Simulate online
Enter the vehicle amount and desired term. Get your monthly payment and APR in real time.
Submit your application
Complete the form and upload your supporting documents along with the vehicle document.
Response within 24h
Our teams review your application and reply within 24 working hours by email.
Sign your contract
Secure electronic signature, compliant with the eIDAS regulation. No printing required.
Funds to the seller
Funds are disbursed directly to the seller after the 14-day withdrawal period.
Frequently asked questions — Auto loan
Yes. The Fidexico auto loan can finance purchases from dealers (car dealers, car merchants) as well as private sales. For a private purchase, you will need to provide a document confirming the transaction (listing, bank transfer order, etc.) and a copy of the seller's vehicle registration document. Funds will be paid directly into the private seller's bank account after file verification.
Generally, yes. An earmarked credit (auto) often has a lower APR than a non-earmarked personal loan, because the lender has additional security linked to the allocation of funds to a specific purchase. The difference can represent a few tenths of a percentage point. In return, the earmarked credit offers additional legal protection in case of dispute with the seller: if the sale is cancelled or the seller fails to fulfil their obligations, the credit agreement is automatically cancelled.
Yes, absolutely. Fidexico finances all types of electric and plug-in hybrid vehicles, new or used. The government ecological bonus (up to €7,000 for individuals subject to income conditions) can be deducted from the vehicle price before calculating the amount to borrow, significantly reducing your monthly payments. Our simulator integrates this deduction directly. You also benefit from a CO2 penalty reduced to zero for 100% electric vehicles.
This is the key advantage of earmarked credit. Under article L.312-55 of applicable Portuguese law, if the sale agreement is cancelled for any reason, the credit agreement is automatically cancelled too. You are then no longer liable for any amount to Fidexico. If you have already paid instalments, Fidexico must reimburse them. This protection does not apply with a non-earmarked personal loan, which is why auto credit is advantageous for purchases from a dealer.
Legal warning: Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Representative example: For an auto loan of €15,000 repayable in 60 monthly instalments of €287.10, Fixed APR of 3.9%, total amount due €17,226. Processing fees, determined based on the loan amount and term, may apply. The amount will be communicated transparently before any subscription. For conditions specific to your project, please contact us. Excluding optional insurance. Subject to acceptance — Fidexico S.A., NIPC 503533726, ASF (Portugal).