Discover how business owners and freelancers are acquiring premium vehicles like the Corolla Hybrid, C-HR, Civic e-HEV, Duster, Compass, Hilux, and MG5 without compromising their cash flow.
Automotive consortia have established themselves as the most strategic alternative to traditional CDC financing, allowing savings of up to 45% in total costs and offering predictable financial planning for the purchase of new cars with hybrid, flex-fuel, and electric technology.
Why is a Consortium the Strategic Choice for Business Owners?
Unlike car loans offered by institutions such as Banco do Brasil, Santander, Itaú, and Bradesco, a consortium does not charge interest on the vehicle's value. While financing for a hybrid SUV like the Corolla Cross can cost R$180,000 at the end of the contract, with a consortium you pay exactly the value of the credit letter plus only the administration fee (between R$121 and R$181 of the total).
The strategic advantage? Absolute financial predictability and savings that can exceed R$ 58,000 on a single premium vehicle.
Main Advantages of a Consortium for Premium Vehicles
Absence of Compound Interest: Unlike traditional CDC (Credit Direct to Consumer), you don't pay interest on the financed amount. Only the administrator's administrative fee, spread across all monthly installments.
Flexible Letters of Credit: Choose values from R$ 60,000 to R$ 350,000 to cover everything from a Fastback to models like the RAV4 Hybrid, HR-V Touring, Kardian, or pickup trucks like the Ranger and Hilux, with terms from 40 to 100 months.
Approval Without Excessive Bureaucracy: Administrators such as Embracon, Rodobens Consórcios, Porto Seguro Consórcios, and Bradesco Consórcios assess payment capacity without complex banking requirements.
Strategic Contemplation: A dual system of monthly raffles and open bidding allows you to anticipate the acquisition of your CR-V, Tucson, Kicks, or Pulse according to your business financial strategy.
Most Sought-After Models via Consortium in 2026
Premium Compact SUVs: T-Cross Highline, Tracker Premier, Creta Ultimate, Kicks Exclusive with complete technology packages and ADAS systems.
Hybrids and Flex Fuels: Corolla Altis Hybrid, Civic e-HEV, C-HR GR-Sport with full hybrid technology that delivers fuel economy of over 18 km/l in the city.
Mid-size SUVs: Compass Longitude, Taos Highline, Tiggo 8 Pro, and Duster Iconic are equipped with 4x4 traction and advanced connectivity technologies.
Rugged Pickups: Hilux SRX, Ranger XLT, S10 High Country are ideal for agribusiness and construction entrepreneurs who need a load capacity of over 1 ton.
Executive Sedans: Corolla XEI/Altis, Civic Touring, Jetta GLI with premium trim, leather seats, and multimedia systems with Android Auto and Apple CarPlay.
Ideal Profile for a Business Automotive Consortium
✅ Business owners and sole proprietors: Professionals seeking efficient tax planning, using consortia as a store of value and asset acquisition without compromising working capital.
✅ Freelance Professionals: Doctors, lawyers, engineers, and consultants who value financial predictability and want executive vehicles without bank debt.
✅ Strategic Investors: Anyone who understands that saving R$ 50,000 in interest is equivalent to obtaining a return of over 15% per year risk-free on investments.
✅ Fleet Renewal: Companies that plan to replace corporate vehicles every 36-48 months and are looking for a financing option without IOF (Tax on Financial Operations) on credit transactions.
✅ Planned Buyers: Profiles that can wait 8-18 months for consideration and value substantial savings versus the immediate urgency of acquisition.
Portuguese 
Turkish 
English 
Spanish