Used vehicle financing

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When changing vehicles, there is always that question: what is more worthwhile, new or semi-new? It is not easy to make this decision, but with car financing options with increasingly easier and more advantageous plans, the purchase of semi-new cars is gaining more strength.

If you are considering investing in a semi-new vehicle, rest assured, the payment plans are much more attractive. See the advantages of opting for a used car loan:

1) Most affordable price

The instant a brand new car leaves the dealership, it depreciates around 10% to 20%. With a semi-new car in perfect condition, in addition to earning, you pay less and still enjoy time without maintenance and other high costs.

Another advantage is that, for the price of a new car, you can drive a pre-owned car with many more accessories. In addition to the value of the car, it is important to analyze that the insurance value of a semi-new car is also cheaper than that of a brand new car.

2)More flexible car finance plans

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The plans and financing for used cars are more flexible and more advantageous, you can choose a down payment and the number of installments in the way that best facilitates your pocket.

If you want to give a good down payment to reduce the financing installments, you can also opt for split it on the credit card, in until 10 installments, interest free! It is a very interesting opportunity to get better rates on the total installment while minimizing the impact of the down payment on your budget.

There is also the possibility of advancing installments during the contract to reduce the financing time and, consequently, pay less interest until the end of the contract, with the reduction of the remaining installments.

What about the entry fee, is there a minimum entry fee?

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In general, there is no standard minimum payment amount. In the case of new cars, many finance companies agree to finance 100% of the vehicle's value.

For semi-new vehicles, the rule is a little more restricted, as vehicles that do not have zero km, but it is still possible to finance a used car with no down payment.

It is worth remembering that how much bigger the input value, cheaper and smoother the installments will be and less interest will be levied on the operation. Ultimately, depending on the finance company and the store where you want to buy, there are still establishments with flexible financing plans for used vehicles, as is the case by Unidas.

What are the values embedded in the financing?

There is a law that obliges institutions to show the total of the operation carried out to the customer. The contract must show all these amounts, what fees are being applied and the interest charged.

Be aware that the credit opening fee at the time of negotiation, which used to be charged, can no longer be included in a vehicle financing transaction.

Used Vehicle Financing

What documents are required for used car finance plans?

The documentation required in the financing is basic, being CNH and proof of residence, depending on the negotiated institution, it may be that there is another additional requirement.

Can I pay installments in advance?

Yes, you can and it is advised that you do. By making the installments in advance, you can get discounts from the financial institution and reduce the total value of the plan. If you are interested, you can pay off the entire plan if you are interested.

Where can I finance my car?

At Unidas Seminovos you can carry out your financing, always be aware and look for recognized stores in the market.

Unidas Seminovos manages to offer you much more attractive rates and conditions, in addition to a huge variety of stock, thus giving you a much greater power of choice for you to make the best deal.