Do you know the Fiat vehicle financing? If you want to fulfill your dream of purchasing a new or pre-owned Fiat car, but don't have the full amount to make the investment, then applying for financing is the best option for you.
Through it, you can finance up to 100% of the vehicle's value. But of course, this will depend on the model you want, your monthly income and the approval of a credit analysis that is usually done at the time you apply for financing.
The important thing is to always understand how interest rates work and what the financing options are. In addition, it is always good to understand what advantages you have when financing with an institution.
Want to know more about this topic? Then keep reading this post to learn more about how to finance your Fiat vehicle.
How does vehicle financing at Fiat work?
If you want to understand how it works Fiat vehicle financing, you need to know that the conditions offered by it are the best on the market.
Banco Fiat is in fact able to provide one of the lowest interest rates on financing installments. Also note that its plans also include Leasing and CDC.
These types of credit can be used to purchase Fiat vehicles as well as those of other brands.
Therefore, before requesting your financing, it is important to have in mind the model and brand of the vehicle you want, so that you can go to an authorized dealership of the Bank and start the process. Fiat vehicle financing.
CDC (Direct Consumer Credit)
Also know that vehicle financing when carried out by Banco Fiat ends up working as follows: you can request it through CDC (Direct Consumer Credit) and you can also do it through Leasing.
Also know that through Banco Fiat you can have the CDC and with it you have plans of up to 60 months to be able to pay, and even within the financing there is an IOF charge.
Understand that financing of this type can actually require that the vehicle remain in the bank's possession until you end the contract and finally manage to pay off the debt.
This is a normal procedure carried out by financial institutions to carry out long-term financing.
Leasing
Leasing is another financing option that will help you acquire the vehicle of your dreams once and for all. Unlike CDC, with Leasing the car is leased and under the legal ownership of Banco Fiat.
With this modality, you have the opportunity to take advantage of plans with extended payment terms between 24 and 72 months, without being charged IOF. As a result, the value of the installments is usually lower than that of the CDC.
Know then that for this reason, currently, Leasing is really becoming increasingly accepted in Brazil. But also know that it is good to be able to make it very clear that your vehicle is still the property of the bank until you are able to actually pay off this financing.
What are the main advantages of financing your Fiat vehicle?
By opting for Fiat vehicle financing At the automaker's bank, you will have access to some excellent advantages. This is because this financing offers differentiated conditions and the best rates, negotiated in a personalized manner for each condition.
This way, you can make excellent savings when you choose Fiat financing plans, available at this automaker's dealership.
Want to learn more about the advantages of financing? Check out what they are below:
Combined Plan
The Combined Plan, for example, can always be a good option, especially if you want to opt for a smaller down payment and have the installments come with lower interest.
Understand that this is clearly a facility that only Banco Fiat is able to provide you and this all occurs through factory promotional plans.
So what happens is that you can choose the best term, reduce the value of your down payment, reduce the value of the installments and finally the value of the fees.
Convenience Kit
And one of the biggest advantages that makes your life even easier and more peaceful is that you can also request your Convenience Kit.
Please note that this is an advantageous option where you simply choose how you can end up paying your installment or by direct debit from your account so that you have greater security and convenience.
Leave with the car on time
When making your Fiat vehicle financing You can leave the dealership with the car right away. That's right, this is one of the only car manufacturers that offer this exclusive condition.
The best part is that the installments are customized according to your income and budget. This makes it easier to have a car and pay an amount that really fits your budget.
Flexible payment terms
This can be even better when you offer a high down payment. Understand that if you make a good down payment on your car loan, it can help you significantly reduce the interest rate, and the installments will be much smaller, making them more affordable.
Also know that in addition to this, you will simply be able to pay the installments more and more in advance, and this is excellent because it can simply help you more and more, after all, you can finish this financing more and more.
But if you don't have this initial amount, there is still the chance to check the option of financing your car for up to 100% of the total value.
Now that you know the main conditions of Fiat vehicle financing, the ideal is to contact the dealership closest to you.