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Auto/Moto Credit

Why take out a car loan with Kreditys?

At kreditys , we know how important the purchase of a car or motorcycle can be for you. That’s why we offer flexible financing solutions tailored to your needs. With our car/motorcycle loan, you can finance the purchase of a new or used vehicle, as well as associated costs such as insurance or registration fees. We offer competitive rates and flexible repayment terms, up to 7 years for new vehicles.

Buying a new or used car: how does car credit work?

Whether the car project is intended to buy a new or used car, the way the car loan works is identical. However, the amount to be planned for can vary from simple to double. In terms of budget, the purchase of a new vehicle requires a larger financial investment.

For the purchase of a used car, the budget is lower. For this reason, the capital borrowed differs, as does the total amount of the car loan. The geographical area where the vehicle is for sale also plays a major role.

Low interest rate car loan : what is the interest of the contribution ?

To obtain a low rate car loan, the presence of a cash contribution is a factor that plays in favor of the applicant. The whole point of having this amount of money available is that it becomes possible to better negotiate the terms. Kreditys offers money loan conditions that can be more flexible when the applicant presents a financial contribution demonstrating a stable financial profile and a savings capacity.

In the eyes of the banks, the available personal contribution secures the banking operation from the start. Very often, the contribution can be generated by the resale of a new vehicle. During the first 5 years of the car purchase, the cash contribution is a particularly advantageous criterion to benefit from better financing conditions:

  • Lowered interest rate,
  • Lower monthly payments,
  • Shortened repayment period,…

Car loan simulation: a concrete example of monthly payments

To give you a clearer picture of your monthly car loan payments and the impact of the total amount and duration of the loan, here is a simulation on a new vehicle.

Example of a car loan of 20 000 € over 5 years (new vehicle)
Amount of the loan20 000 €
Duration5 ans
Monthly payment366 €/mois
Cost of credit1 960 €
Minimum APR3,85%
Average APR4,86%
Max APR5,32%

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Get your financing in a few clicks with our fast and secure online form.

Opting for a car loan means betting on security in all circumstances

Sometimes, opting for a car loan is a choice that can slow down many borrowers. The main idea that emerges from the car credit is the occurrence of bad surprises during the repayments. In fact, this banking operation allows the borrower to bet on security, in all circumstances.

Obviously, the level of security of the car loan comes from the exclusive use of the total amount borrowed. Dedicated to the financing of the new vehicle (car, motorcycle, company vehicle or self-business,…), the buyer is covered if the purchase does not succeed.

In the event that the car loan is refused, the buyer is also protected. These situations apply to the purchase of a new or used car. To give you a precise idea, here are the 2 main situations in which the car loan becomes null and void:

  • The car loan application is refused by the financial institution: the sales contract is cancelled.
    Non-compliance with the delivery date of the car: automatic cancellation of the car loan.
Financing your car at the right price: 3 reasons to choose Kreditys.

When it comes to financing a car purchase at the right price, here are three reasons why you should consider Kreditys:

We offer diversified loan solutions adapted to your needs.

At Kreditys, we are proud to offer a variety of online loan choices to meet the diverse needs of our customers. Whether you need a personal loan to finance a personal project, a mortgage to buy a home, a car loan to purchase your dream vehicle, or a student loan to invest in your future, we have the right solution for you. With our user-friendly online platform, you can easily compare loan options, choose the one that best suits your needs and apply in just a few clicks.

Real Estate Credit

Do you dream of buying your own house or apartment? At Kreditys, we offer you a fast and competitive online mortgage solution.

Credit Repurchase

You have accumulated several credits and you have difficulties to pay them back? Credit repurchase is the solution you need to simplify your finances and reduce your monthly payments.

Business loans

Are you a business owner or entrepreneur looking for financing for your business project? At Kreditys, we offer you professional loans adapted to your needs.

Why choose the Kredytis personal loan.
  • An immediate response in principle.
  • Personalized support from the loan application to the repayment.
  • A competitive interest rate, fixed for the duration of the loan.
  • Fixed monthly payments, for easier budget management.
  • No application fee.
  • The possibility of prepayment at no extra cost.

Simple, Fast and Efficient

Online application

Go to our website and fill out our online loan application.


We will take into account your credibility and your ability to repay.


We will draw up a loan contract for you once your application has been validated.


The money is transferred directly to your bank account. Simple and fast.

Apply for your loan online today!

Get the financing you need now with Kréditys.

At Kreditys, our mission is to accompany you in your life projects by offering you customized financing solutions.


104 Rue Réaumur, 75002 Paris

+33 7 56 86 84 84



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