Get your own vehicle without the hassle, with approval in up to 24 hours.

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Turn your dream of owning a car into reality, even if your CPF (Brazilian tax identification number) has restrictions with SPC or Serasa (Brazilian credit bureaus). More than 50,000 Brazilians have already achieved approval through digital platforms that assess their current payment capacity, not just their credit history.

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Why Has Online Financing Changed the Game?

Digital institutions have revolutionized auto loans by focusing on what really matters: your current income and financial stability. While traditional banks like Caixa Econômica, Itaú, and Santander may automatically reject loans due to low credit scores, specialized fintech companies analyze your profile in a more humanized way.

The result? Approval up to 5 times faster and customized conditions to suit your needs.

Main Advantages of Digital Auto Credit

Get up to 100% of the vehicle value Financed, with no down payment required. Ideal for those who need a car now and don't have savings available.

Pay in installments up to 60 months with prices that fit your budget. Some institutions like Banco do Brasil and Bradesco offer up to 180 days grace period for the first payment.

Platforms such as Creditas, Porto Seguro Bank and Carflip They assess your current ability to pay, even with credit restrictions.

Finance everything from popular models like the Fiat Strada, Chevrolet Onix, and Volkswagen Polo to SUVs like the Tracker and T-Cross.

Who Can Benefit?

✅ App driversSpecialized leasing with Kovi or Carflip, including maintenance and insurance in the plan.

✅ Micro-entrepreneursProve your income with a MEI (Individual Microentrepreneur) declaration and finance your work vehicle with reduced rates.

✅ CLT workersTake advantage of your relationship with Banco do Brasil or Bradesco to get rates starting from 0.69% am

✅ NegativeDigital institutions that prioritize their current capabilities, not their past.

✅ Self-employedProvide proof of income with bank statements and receive the same benefits.

FINANCING WITH RESTRICTIONS

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Frequently Asked Questions

Can I finance a car without a down payment even if I have a negative credit history?
Yes, it is possible to finance a car without a down payment even with a negative credit history, as some financial institutions offer this type of loan.
What is the approval timeframe for financing a car with no down payment?
The approval process can take up to 24 hours, depending on the credit analysis performed by the financial institution.
What documents are needed to finance a car with no down payment?
The documents usually required are ID card, CPF (Brazilian tax identification number), proof of address, and proof of income. In addition, further collateral may be requested.