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Auto loan UCFin

It's time to fulfil your dreams! Come to UniCredit Consumer Financing IFN SA partner car dealers and you can quickly buy your desired car!

You can get a car loan if you are over 18 and under 70 years old, and over 25 and under 55 years old for seafarers patent - except that the maximum age is 60 years old - (age up to which the loan must be repaid in full ). Net income per family must be at least 450 lei / month, taking into consideration several sources:

  • Income from wages;
  • Revenues of seafarers;
  • Copyrights;
  • Rents;
  • Dividends;
  • Income from liberal activities;
  • Pensions;
  • Daytime;
  • Annuities;
  • Contracts for management or administration;
  • Proceeds under a contract of mandate.

Depending on your needs, you can choose between the following types of auto loans: 

Car loan without downpayment


If you want to buy a new or second hand car and you do not have an additional amount of money, this financial product is what you need. 

Total loan value

Annual interest (fixed)

Analysis fee

Monthly administration fee

Loan period

APR

4.500 - 100.000 lei

13,9%

790 lei

50 lei

6 - 60 months

16,3%*

* APR is calculated for the maximum amount and maximum period


Car loan with 20% downpayment

If you want to buy a new car and you have the necessary amount of money for the advance, we recommend you to get this type of credit for the difference.

Total loan value

Annual interest (fixed)

Analysis fee

Monthly administration fee

Loan period

APR

4.500 - 100.000 lei

7,9%

790 lei

50 lei

6 - 60 months

9,7%*


Calculation example:


For the auto loan product without downpayment/ with 20% downpayment, for a total loan amount of 40,000 lei on 60 months: annual interest rate (fixed) 13.9% / 7.9%, file analysis fee 790/790 lei, monthly administration fee 50/50 lei, the amount of the monthly (for equal installments) 997/ 875.2 lei, the total amount payable 59,820.3 / 52,507.7 lei, APR 18.6% / 11.9%. The monthly rate calculation did not include optional life insurance or CASCO insurance. If opting for life insurance (optional) the rate becomes 1,073./ 951.2 lei.

Penalty Interest: 32.5% (applicable to the amount due, unpaid)


Compensation for early reimbursement: 1% or 0.5% (if the period between the early repayment and final maturity is less than one year); 0% if the interest rate is variable.

Products on undetermined period.

  • Longer loan period (up to 5 years);
  • Fixed interest on the entire loan period;
  • Easiness of the loan: no need to do a trip to the bank to get such a loan. You can request and receive a loan directly from car dealers partners BMW, Mercedes, VW, Land Rover, Subaru, Mazda, Honda, Mitsubishi, Chevrolet, Citroen, Dacia, Fiat, Nissan, Opel, Peugeot, Renault, Suzuki, Ford, Hyundai, Kia, Skoda, Toyota;
  • Optional life insurance - in case of unemployment and unable to work *;
  • CASCO insurance optional**;
  • Minimum necessary income of only 450 lei.

*Under the terms of the insurance contract.
** Valid for values up to 10,000 euros financed (lei equivalent). For larger amounts, CASCO insurance is mandatory.

Auto loan can be obtained with the following documents *:

  • Copy of ID;
  • Proof of income (download income statement);
  • Utility Bills.

* We reserve the right to request additional documents in certain situations, in accordance with the credit policy.

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