24h Eco Car Loan
Finance your electric or hybrid car
Under what conditions?
Is it for me?
How long does it take?
What is the best?
Finance your eco-friendly car, we’ll get back to you within 24 hours
If, in addition to looking for a new car, you are also committed to preserving the environment, we have something for you. The 24h Eco Car Loan is an easy and fast way to get financing for your new eco-friendly vehicle under very attractive conditions.
The advantageous conditions of this product are our way of rewarding people like you who choose a more efficient car for the sake of the environment and the future of our planet.
Get your 24h Eco Car Loan now with a discounted interest rate, allowing you to request from €6,000 to €60,000, with no opening fee and no additional costs for processing the operation. We will respond within 24 hours after you provide the documentation, sign the application, and we confirm that it is viable.
Reduce the interest rate on your eco car loan
The interest rate for this 24h Eco Car Loan, without any bonuses, is a NIR of 8,25%, APR from 9,10% (maximum APR 13,30%). We show you what your installment and interest would be in the example you’ll find below.
But you can reduce this rate by up to 3% to a NIR of 5,25%, APR from 9,27% (maximum APR 19,51%) if you take out certain ABANCA products or services that offer an interest rate discount. You are not required to take them out, but they can help you pay less for your loan:
Improve the terms of your 24h eco car loan
If you direct deposit your salary
If you take out a life insurance policy
Payment Protection Insurance
VISA Tú Credit Card
What do we consider an eco-friendly vehicle?
To benefit from this rate, the vehicle you are going to purchase must meet one of the following requirements:
Have an emission level below 50 g CO2/km and be of category M1: vehicles for the transport of people with a maximum of nine seats, including the driver, as defined in Article 4, paragraph 1, letter a), point i) of Regulation (EU) 2018/858. You can check the vehicle's category in box J of its technical data sheet.
Be a pure electric vehicle (BEV or FCEV) or electrified (EREV or PHEV).
What do you need to apply for an eco-friendly car loan? Steps and conditions
Fill out our online form
We will contact you
Sign the loan
Additionally, we remind you that due to the characteristics of this product, you can only contract it until you or any participating holder turn 59 years old. In this case, you can consult other options at your branch.
And remember that the conditions shown here are only valid if you manage it through the website.
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Example for financing an eco-friendly car
Banks are required to provide you with an example showing both the highest and lowest fees when discussing a loan, so that you can compare different offers transparently.
To calculate the examples for the 24h Eco Car Loan without bonuses, we have assumed that all months have the same number of days, that the formalization date is January 1 (you would start paying in February), and that you will maintain for the entire life of the loan: an account associated with the loan with a quarterly maintenance fee of 36€, charged in March, June, September, and December (allocated to April, July, October, and January for calculation purposes); and a VISA Tú credit card that you must take out with your personal loan, unless you already have another ABANCA credit card, with an issuance and maintenance fee of 43€ per year, which will be free for the first year.
On the other hand, to calculate the examples of the 24h Eco Car Loan with bonus, we have taken into account the assumptions mentioned in the example of the loan without bonus and, in addition, that you have your salary directly deposited with us for a minimum amount of €600, as well as a life insurance and a payment protection insurance linked to the loan with a single premium, the cost of which we show you below. The cost of these insurances has been calculated for a 30-year-old person.
| Amount | Term | NIR | APR | Monthly installment | Final installment | Total amount payable | Total cost of credit | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Car loan without discount | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6000€ | 1 year (12 installments) | 8,25% | 13,30% | 522,62€ | 522,67€ | 6.415,49€ | 415,49€ (1) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12.000€ | 4 years (48 installments) | 8,25% | 11,35% | 294,37€ | 294,05€ | 14.834,44€ | 2.834,44€ (2) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60.000€ | 8 years (96 installments) | 8,25% | 9,10% | 855,84€ | 856,36€ | 83.614,16€ | 23.614,16€ (3) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car loan with discount | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6000€ | 1 year (12 installments) | 5,25% | 19,51% | 514,33€ | 514,35€ | 6.573,26€ | 573,26€ (4) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12.000€ | 4 years (48 installments) | 5,25% | 15,42% | 277,71€ | 277,83€ | 15.423,26€ | 3.423,26€ (5) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60.000€ | 8 years (96 installments) | 5,25% | 9,27% | 766,76€ | 766,39€ | 81.502,68€ | 21.502,68€ (6) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
The APR for this loan is calculated under the assumption that the transaction is formalized on the first day of the month, and may vary from 9,10% to 19,51% depending on the amount, term, interest rate, and date of formalization. The amortization system is EPC (French or fixed installment). What fees and commissions are included in this loan? (1) These 415,49€ include all incurred expenses: 271,49€ in interest, and 36€ per quarter for the maintenance fee of the associated account. (2) These 2.834,44€ include all incurred expenses: 2.129,44€ in interest; 36€ per quarter for the maintenance fee of the associated account, and 43€ annually for the maintenance fee of the Visa Tú credit card. (3) These 23.614,16€ include all incurred expenses: 22.161,16€ in interest; 36€ per quarter for the maintenance fee of the associated account, and 43€ annually for the maintenance fee of the Visa Tú credit card. (4) These 573,26€ include all incurred expenses: 171,98€ in interest; 36€ per quarter for the maintenance fee of the associated account; 54,79€ for the life insurance premium, and 202,49€ for the payment protection insurance premium. (5) These 3.423,26€ include all incurred expenses: 1.330,20€ in interest; 36€ per quarter for the maintenance fee of the associated account; 43€ annually for the maintenance fee of the Visa Tú credit card, 630€ for the life insurance premium, and 758,06€ for the payment protection insurance premium. (6) These 21.502,68€ include all incurred expenses: 13.608,59€ in interest; 36€ per quarter for the maintenance fee of the associated account; 43€ annually for the maintenance fee of the Visa Tú credit card; 1853,08€ for the life insurance premium, and 4588,01€ for the payment protection insurance premium. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Insurance for you and your electric or hybrid car
If you're going to buy a car, you need insurance! With our Copiloto Car Insurance you can customize the coverage that best suits you. Whether you have a family, a pet, whether you travel a lot or a little… We have a car insurance policy just the way you would have made it.
Information about life insurance and payment protection insurance.
Broker: ABANCA MEDIACIÓN, OPERADOR DE BANCA SEGUROS VINCULADO S.L., a tied bancassurance operator, with registered office at Avenida de la Marina 1, 4th floor, A Coruña, and tax ID B-70049630, registered in the Commercial Registry of A Coruña, in Volume 3092, page 73, sheet C-38698, and in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under number OV-0044. Holds Civil Liability Insurance and Financial Capacity as required by current insurance distribution regulations. You can consult the insurers we work with. In addition, you will find more information about terms and rates at ABANCA branches.
Do you have questions? We have answers
DUDAS
Para que estudiemos tu crédito nos tienes que traer unos documentos básicos, y nos hemos esforzado para que sean los menos posibles.
Si optas por el Préstamo Auto 24h o la modalidad de préstamo personal del Préstamo 24h, y eres ya cliente nuestro y tienes tu nómina domiciliada en ABANCA, solo nos tienes que traer:
- tu última nómina
- o tu último resumen anual de IVA, si eres autónomo y no tienes nómina.
- tu última declaración de la renta (IRPF)
- los últimos tres recibos de los préstamos que tengas concedidos en otras entidades.
Si aún no eres cliente de ABANCA, o si lo eres pero no tienes tu nómina domiciliada, vamos a necesitar también tu nómina y tus declaraciones tributarias, los recibos de los préstamos en otras entidades y además:
- tu documento de identidad, sea DNI, NIE o pasaporte
- un extracto bancario del último trimestre de todas las cuentas que tengas abiertas en otras entidades.