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Finance your new or used vehicle at CAIXA with rates starting at 1.49% per month, terms up to 60 months, and no additional fees.
CAIXA Auto Credit is a unique financing option for those who want to purchase a new or used car or motorcycle without bureaucracy. With pre-fixed interest rates starting from 1.49% per month, you can finance up to 80% of the vehicle's value. The payment term can reach up to 60 months, making installments more affordable and facilitating budget control. There are no additional fees, making the operation transparent and attractive.
The application process is done in person at a CAIXA branch, presenting the required documentation, such as ID, CPF (Brazilian tax identification number), proof of residence and income, in addition to the vehicle's documents. It is worth noting that used vehicles cannot be more than ten years old, thus ensuring greater security in the transaction.
How to apply: step by step
- Go to a CAIXA branch and ask a representative about the terms and conditions of the Auto Loan.
- Please present all requested documents: identity card, valid CPF (Brazilian tax identification number), and proof of address.
- Please wait for the credit analysis to be carried out by the institution.
- After approval, negotiate the terms, amount, and payment method directly with the agency.
- With the contract finalized, use the approved credit to purchase your vehicle.
Main positive points
A major highlight is the interest rate starting at 1.49% per month, which is quite competitive within the Brazilian market. Another advantage is the absence of extra fees, providing predictability to costs.
There are special conditions for electric vehicles, hybrids, and popular cars, broadening the range of interested consumers. The term of up to 60 months further facilitates financial planning.
Possible negative points
Financing requires credit approval, which can be a hurdle for people with credit restrictions.
Furthermore, all hiring is done in person; there is no possibility of completing the 100% process online.
Final verdict
CAIXA Auto Credit is a solid and secure alternative for those seeking fair conditions and transparency. Its flexible rates and terms are key advantages, especially when compared to other products on the market. However, it's important to assess your financial profile and consider an in-person evaluation as part of the process before making a decision.
