Car Loan

The car you want, with the right credit. As credit intermediaries, we handle everything and find the best solution for you.

Buying the car of your dreams is an important goal, but choosing the right financing can be complex, with many options and conditions available in the market. As authorized credit intermediaries, we help simplify this process: we analyze your financial profile, compare proposals from multiple institutions, and present the most advantageous solution tailored to your needs.

We handle the entire process for you – from simulation to final approval – ensuring full transparency, security, and personalized support at every stage. Whether you are purchasing a new or used car, we provide expert guidance so you can complete your purchase with confidence and peace of mind, at no additional cost.

The car you’re looking for, within your reach

* This page provides a credit simulator with indicative values, which do not constitute a formal offer of credit. Each credit application is assessed individually by our partners. Our team is available to answer any questions and help you through the credit application process.

Use the loan simulator to calculate the approximate value of the monthly installment.

Loan Simulation

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Partenaires

We are credit intermediary number 0000000 authorized by the Bank of Portugal.

Novo Banco, SA

Caixa Geral de Depósitos, SA

Millennium bcp

Banco Santander Totta, S.A

EuroBic Grupo ABANCA

Bankinter, S.A

Crédito Agrícola

Banco CTT, SA

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We are ready to analyze your case and provide personalized proposals.
Fill in your details and we will contact you promptly.

Analyze my case

We have gathered answers to the most common questions about personal loan

Frequently Asked Questions

What is a car loan?

A car loan is a loan provided by financial institutions that allows you to purchase a vehicle, new or used, with payments spread over a defined term.

Can I finance a new and used car?

Yes, a car loan can be used to purchase both new and used vehicles, although some institutions may have specific conditions for each type of vehicle.

What is the maximum amount I can request?

The maximum amount of a car loan depends on the financial institution, the value of the vehicle, and the client’s profile, including income and repayment capacity.

What documents are required to apply for a car loan?

  • The following documents are usually required:

  • Valid identification (ID card or passport);

  • Tax identification number;

  • Proof of income (pay slips or tax declaration);

  • Proof of residence.
    Additional documents may be requested depending on the financial institution and client profile.

What is TAN and APR in a car loan?

  • TAN (Nominal Annual Rate): represents only the interest applied to the loan amount.

  • APR (Annual Percentage Rate): includes all charges, such as interest, fees, and insurance, reflecting the total cost of the loan.

Are there mandatory insurance policies associated with a car loan?

Generally, a car loan does not require mandatory insurance, but some institutions may request vehicle insurance or payment protection insurance. Optional insurance can also be taken for additional protection.

Contacts

Office hours

Contacts

09:30h às 13:00h

14:00h - 18:30h (monday to friday)

10:00h às 13:00h (saturday)

09:30h às 13:00h

14:00h - 18:30h (monday to friday)

10:00h às 13:00h (saturday)

- monday to friday

09:30h às 13:00h

14:00h - 18:30h

 

- saturday

10:00h às 13:00h

09:30h às 13:00h

14:00h - 18:30h (monday to friday)

10:00h às 13:00h (saturday)

Office hours

(Call to national mobile network)

(Call to a national landline)

Artéria Rústica – Credit Intermediation is registered with the Bank of Portugal, under registration number 0007871, as a tied credit intermediary, without an exclusivity regime, having entered into agreements with the following entities: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO CTT, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BANKINTER, S.A., ABANCA Portugal, S.A., UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL, UNICRE - INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A.

Contacts

Largo Afonso de Albuquerque, 4

7520-141 Sines

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