Finance your electric car with no down payment.

Find out how you can get your BYD or Haval today!

The electric vehicle market in Brazil has grown by 94% since 2024, and you can be part of this revolution without paying a down payment. More than 15,000 Brazilians have already financed electric cars through specialized credit lines that offer up to 100% of the vehicle's value with differentiated rates for clean energy.

How Does Financing an Electric Car with No Down Payment Work?

Banks like Santander, Itaú and Bradesco They created green lanes with exclusive conditions for electric vehicles. The BYD Dolphin Mini, Nissan Leaf and Chevrolet Bolt EV They can be financed with no down payment, with installments starting at R$ 1,890 per month.

THE Creditas and the Bank of Brazil they make available up to R$ 350 thousand for premium models such as BYD Tan, GWM Ora 03 and Volvo EX30, with terms of up to 72 months and a 90-day grace period before the first payment.

Brands and Models Available for Financing

Electric Sedans: BYD Seal (R$ 239,800), JAC E-JS1 (R$ 169,900), Nissan Leaf (R$ 285,990) and BMW i4 (R$ 459,950). All these brands have partnerships with financial institutions that offer automotive financing with no down payment.

Electrified SUVs: THE BYD Yuan Plus (R$ 229.800), Volvo XC40 Recharge (R$ 389.950), GWM Haval H6 PHEV (R$ 229.000) and Audi Q4 e-tron They can be financed with a score starting at 400 points.

Electric Pickups: The revolutionary BYD Shark PHEV (R$ 379.800), the first plug-in hybrid pickup truck in Brazil, is now available for financing at Federal Savings Bank and Porto Seguro Bank No entry required.

Exclusive Advantages of Green Financing

Rates up to 30% smaller compared to financing combustion engine vehicles. Santander offers starting from 0.89% am for electric cars, while the Itaú provides 0.99% am with a relationship.

Exemption from IPVA (Vehicle Property Tax) in states such as São Paulo, Rio de Janeiro, Paraná, Rio Grande do Sul, and Maranhão represents additional savings of up to R$ 8,500 annually on premium models.

Monthly savings of up to R$ 800 in fuel when switching from gasoline to electricity. One Chevrolet Bolt EV It runs for just R$ 0.15 per kilometer, compared to R$ 0.65 for an equivalent combustion engine model.

Car insurance with discounts of up to 15% for electric vehicles at Porto Seguro, Bradesco Insurance and SulAmérica.

Who Can Finance Without a Down Payment?

✅ CLT salaried employeesWith verifiable income starting from R$ 3,500, finance models such as JAC E-JS1, BYD Dolphin and Renault Kwid E-Tech through Bank of Brazil With direct debit and reduced fees.

✅ Public ServantsSpecial conditions at Caixa Econômica with up to 84 months to pay and fees starting from 0.79% am for models such as Nissan Leaf and Hyundai Ioniq 5.

✅ MEI entrepreneursProve your income through your annual tax return and finance electric SUVs like this: GWM Ora 03 GT and Volkswagen ID.4 with Creditas or BV Financeira.

✅ Freelance ProfessionalsDoctors, lawyers, engineers, and architects can get approval for premium models using bank statements from the last 6 months. BMW iX, Audi e-tron GT and Mercedes EQE.

✅ Low ScoreDigital platforms such as Embracon and Rodobens They approve even with restrictions on Serasa (a Brazilian credit bureau), focusing on your current ability to pay.

Required Documentation for Fast Approval

RG (Brazilian national identity card), CPF (Brazilian taxpayer identification number), and current proof of address. Employees under the CLT (Brazilian labor law) must submit pay stubs from the last 3 months, while self-employed individuals and MEIs (Micro Individual Entrepreneurs) must submit income tax returns and bank statements proving financial activity.

A valid driver's license is required in all institutions. Santander and Bradesco They also require a certificate of marital status for amounts above R$ 200 thousand.