Crédito Auto

Make your dreams come true faster

Take our Car Loan for a test drive

TAEG 8,6% | TAN 6,400%
TAEG 7,9% | TAN 5,800%

Available in the App, at Pontos Activo and through the Support Line

Campaign valid from 01/09 to 31/12

The way to get this project moving

Don't go around in circles

Fixed rate throughout the duration of the Loan:
TAEG 7,9% | TAN 5,800%

Get ready to move

Loan opening fee of 1% over thee financed amount, with a minimum of €10 and a maximum of €150.

Control the speed

Deadline ( from 12 to 84 months) and amount ( €3.000 to €30.000) fleixibility.

Choose the destination

You can liquidate it whenever you want without paying more for it.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What is TAEG? And MTIC?

TAEG (Annual Percentage Rate) is the total cost of the Loan, paid by the consumer, expressed as an annual percentage of the granted loan's amount. When calculating the TAEG, expenses of collection of refunds and interest payment are included,as well as the remaing charges to bear (taxes, fees and mandatory insurances).

TAEG can be used to compare Loan proposals. For Loan proposals with the same amount, term, and refund modality, the proposal with the lowest TAEG is the cheapest for the Client. It includes interest + fees + expense+ taxes + insurances.

MTIC (total amount charged to the consumer) its the sum of the total amount of the Loan with the associated costs (interest, fees, taxes and other charges).

Take note that for Loans the tax is variable, MTIC is merely indicative as the interes rate of these Loans can vary with time, according to the fluctuation of the indexed used. (EURIBOR).

What is the main advantage of requesting a Car Loan?

You can request the Loan, anywhere at any time, through our App (up to €15.000). For amounts from €15.001 to €30.000, the request will have to be done at an ActivoBank Branch or through our Support Line.

Is this financing subject to the payment of Stamp Duty?

Yes, the Stamp Duty is applied to the Loan opening, over the interest and associated fees (for example, the Loan Opening Fee).

What is TAN (Nominal Rate)?

The TAN (Nominal Rate) is the interest rate expressed as a fixed or variable percentage, applied to the used Credit amount on an anual basis.

What are the deadlines for Car Loans?

The deadlines vary:

  • 12 and 48 months, for amounts up to 3.000€;
  • 12 and 60 months, for amounts between 3.001€ and 6.000€;
  • 12 and 84 months, for amounts higher than 6.001€.

Didn't find what you were looking for?

Clarify your doubts!


TAEG of 7,9%, TAN of 5,800%, with monthly instalments of 196,39€, for a €10.000 loan with a 60-month term. Total amount charged to the consumer: €12.151,40, including loan opening fee €100, interest, Stamp Tax for the use of the loan and for fees. Loan opening fee of 1% over the financed amount, with a minimum of 10€ and maximum of 150€. Subject to Credit assessment.

Campaign valid from September 1st to December 31st, 2021.

Support line with personalized service on working days and national holidays (8h-22h), Saturdays (10h-20h), Sundays and remaining holidays (12h-20h). Automatic service available 24 hours/day. The cost of communications depends on the tariff agreed with your telecommunications operator..