Car Loan

The car you want, with the right credit. As credit intermediaries, we handle everything and find the best solution for you.

Buying the car of your dreams is an important goal, but choosing the right financing can be complex, with many options and conditions available in the market. As authorized credit intermediaries, we help simplify this process: we analyze your financial profile, compare proposals from multiple institutions, and present the most advantageous solution tailored to your needs.

We handle the entire process for you – from simulation to final approval – ensuring full transparency, security, and personalized support at every stage. Whether you are purchasing a new or used car, we provide expert guidance so you can complete your purchase with confidence and peace of mind, at no additional cost.

The car you’re looking for, within your reach

* This page provides a credit simulator with indicative values, which do not constitute a formal offer of credit. Each credit application is assessed individually by our partners. Our team is available to answer any questions and help you through the credit application process.

Use the loan simulator to calculate the approximate value of the monthly installment.

Loan Simulation

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Partenaires

Trabalhamos em colaboração com os seguintes parteiros.

Novo Banco, SA

Caixa Geral de Depósitos, SA

Millennium bcp

Banco Santander Totta, S.A

ABANCA

Bankinter, S.A

Crédito Agrícola

Banco CTT, SA

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We are ready to analyze your case and provide personalized proposals.
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Analyze my case

We have gathered answers to the most common questions about personal loan

Frequently Asked Questions

What is a car loan?

A car loan is a loan provided by financial institutions that allows you to purchase a vehicle, new or used, with payments spread over a defined term.

Can I finance a new and used car?

Yes, a car loan can be used to purchase both new and used vehicles, although some institutions may have specific conditions for each type of vehicle.

What is the maximum amount I can request?

The maximum amount of a car loan depends on the financial institution, the value of the vehicle, and the client’s profile, including income and repayment capacity.

What documents are required to apply for a car loan?

  • The following documents are usually required:

  • Valid identification (ID card or passport);

  • Tax identification number;

  • Proof of income (pay slips or tax declaration);

  • Proof of residence.
    Additional documents may be requested depending on the financial institution and client profile.

What is TAN and APR in a car loan?

  • TAN (Nominal Annual Rate): represents only the interest applied to the loan amount.

  • APR (Annual Percentage Rate): includes all charges, such as interest, fees, and insurance, reflecting the total cost of the loan.

Are there mandatory insurance policies associated with a car loan?

Generally, a car loan does not require mandatory insurance, but some institutions may request vehicle insurance or payment protection insurance. Optional insurance can also be taken for additional protection.

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Products
Products
Products

COB - Intermediário de Crédito, Unipessoal Lda. is registered with the Bank of Portugal, with registration number 000B655, as linked credit intermediaries, without an exclusivity regime, having entered into an agreement with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Union of Real Estate Credits, S.A., Financial Credit Establishment (Sole Proprietorship) - Branch in Portugal, Banco BIC Português, S.A., Banco Santander Totta S.A., BANCO CTT, S.A., Caixa Geral de Depósitos, S.A., Abanca Corporación Bancaria, S.A. - Branch in Portugal, SICAM - Caixa Central and Caixas de Crédito Agrícola and Bankinter, S.A. - Branch in Portugal.

Intermediário de Crédito, Unipessoal Lda. is registered with the Bank of Portugal, with registration number 000B655, as linked credit intermediaries, without an exclusivity regime, having entered into an agreement with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Union of Real Estate Credits, S.A., Financial Credit Establishment (Sole Proprietorship) - Branch in Portugal, Banco BIC Português, S.A., Banco Santander Totta S.A., BANCO CTT, S.A., Caixa Geral de Depósitos, S.A., Abanca Corporación Bancaria, S.A. - Branch in Portugal, SICAM - Caixa Central and Caixas de Crédito Agrícola and Bankinter, S.A. - Branch in Portugal.

COB - Intermediação de crédito, Unipessoal lda is registered with the Bank of Portugal, with registration number 000B655, as linked credit intermediaries, without an exclusivity regime, having entered into an agreement with the following entities: Banco BPI, S.A.; Banco Santander Totta, S.A.; Bankinter S.A. – Portugal Branch; Unión de Créditos Inmobiliarios, S.A., Credit Institution (Single-Member Company) – Portugal Branch.

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