Car loan

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Car loan

Finance your vehicle
with the best rate on the market

Rates starting at 2.95%, financing for up to 100% of the vehicle's value, and a response within 48 hours. New or used, electric or hybrid.

Submit an application Simulate now

Auto Loan Terms and Conditions

Transparent terms for financing your new or used vehicle

🚗Amount100 000€From €1 000 to €100 000
📉Interest rate (APR)2,95%Varies according to profile
📅Term84 monthsFrom 12 to 84 months
ConditionDetailValue
Nominal Annual Rate (NAR)From2,95%
Annual Percentage Rate (APR)Indicative3,20%
Maximum financingRegarding the vehicle's value100%
Maximum amountUpon request100 000,00 €
Maximum periodRefund84 months
Accepted vehicles—New, used, electric, hybrid
Opening commission—0,00 €
Early repaymentPenalty0,00 €

Why choose our car loan?

Exclusive benefits for financing your vehicle with Orvella-Group

Financing up to 100%

We finance up to 100% of the vehicle's value — no down payment required. Keep your savings available for other projects.

Special rates for electric vehicles

Preferential terms for electric and plug-in hybrid vehicles. We support the transition toward more sustainable mobility.

New or used

We provide financing for new, used, and demonstrator vehicles—with no restrictions regarding make, model, or dealership.

Insurance at preferential rates

Access to car insurance at rates negotiated with our partners — complete protection at the best price.

Response within 48 hours

Application approved in less than 48 business hours. Purchase your vehicle without unnecessary waits.

No hidden commissions

Zero opening fees, zero penalties for early repayment. Complete transparency at every stage.

Frequently Asked Questions

Key questions about Orvella-Group auto loans

Yes. We provide financing for used vehicles, regardless of the make, model, or dealership. The vehicle can be of any age, provided it is in good condition.
No. We finance up to 100% of the vehicle's value, so no down payment is required. However, making a down payment reduces the financed amount and, consequently, the monthly installment.
Citizen Card, proof of address, 3 last payslips, bank statement for the last 3 months and vehicle document (DUA or pro-forma invoice from the dealer).
Yes, and with especially favorable terms. We offer preferential rates for electric and plug-in hybrid vehicles, in line with incentives for sustainable mobility.
Liability insurance is required by law in Europe. For loans covering more than 80% of a vehicle's value, comprehensive insurance may be required. We partner with insurance companies that offer preferential rates.
Once the contract is signed, the funds are transferred directly to your account or to the dealership within 48 to 72 business hours.

What our clients say

Authentic reviews from customers who financed their vehicle with Orvella-Group

4,9 ★★★★★ Based on 127 Google reviews
RS
Rui Santos2 months ago
★★★★★

A completely digital process, free from red tape. I had approval for my Tesla in less than 48 hours. The interest rate I secured was much better than anything any bank had offered me.

Car Loan — Porto
SR
Sofia Quirici1 month ago
★★★★★

I wanted an electric car, but I didn't know how to finance it. Orvella-Group explained everything to me, secured a preferential rate, and the process was quick. I am very satisfied.

Car loan — Lausanne
JO
Anke Osburg3 months ago
★★★★★

I financed my used car with zero down payment. I didn't know that was possible until Orvella-Group explained the options to me. An excellent interest rate and no commission. I recommend them to everyone.

Car loan — Munich
Ready to move forward?

Finance your
vehicle now

Apply for your car loan today and receive a personalized offer in less than 48 hours. New, used, electric, or hybrid.

Submit an application Simulate now

No strings attached  •  Response within 48 hours  •  100% free