Car financing
tailored to your budget
Lease-to-own, long-term lease or conventional loan — our banking partners review your application within 24h to offer you the most advantageous financing solution.
Your vehicle,
at the best rate
Financing a vehicle should not be an obstacle course. Our advisors analyze your situation, consult our banking partners and present you with the best available offers — without you having to approach each institution one by one.
Whether it's a first purchase, a replacement or a professional acquisition, we find the formula suited to your profile and your use.
What's included
We put the best offers on the market in competition for you
Your application is handled as a priority by our financial advisors
Regularly benefit from our partners' promotional offers
100% financing possible depending on your profile and the chosen vehicle
Adapt your monthly payments to your repayment capacity
Pay off your loan at any time according to the contractual terms
Our financing
solutions
PCP (lease-to-own)
- Fixed, controlled monthly payments
- Purchase option at the end of the contract
- Maintenance included as an option
- New or recent vehicle
- Term of 24 to 60 months
Long-term rental
- All-inclusive monthly payments
- Maintenance & insurance included
- Return the vehicle at the end of the contract
- No resale risk
- Ideal for businesses
Classic loan
Become the owner of your vehicle from signing. The most flexible solution, with no mileage constraint or obligation to return it.
- Owner as soon as you sign
- Flexible term of 12 to 84 months
- No mileage restriction
- Rate personalised to your profile
- Early repayment possible
Why finance
with us ?
Finance in 4 simple steps
Define your project
Tell us about the vehicle you want, your possible down payment and your target monthly payment. The more precise your project, the more tailored our advice will be.
Simulate your monthly payment
Our advisors calculate different financing scenarios in real time and present you with offers from our banking partners.
Application validation
Your application is sent to the selected banking partners. A decision in principle is communicated to you within 24 working hours.
Signature & delivery
Sign your financing contract in an agency. Your vehicle is available the same day or on the date agreed with your advisor.
Frequently asked questions
PCP (Lease with Purchase Option) is a rental contract over a set period (24 to 60 months) at the end of which you can choose to buy the vehicle at a residual price fixed in advance. It is a flexible solution that lets you drive a recent vehicle with controlled monthly payments.
No, a down payment is not mandatory. Depending on your profile and the vehicle chosen, 100 % financing is possible. However, a down payment helps reduce your monthly payments and improves the conditions under which the banking partners accept your application.
Yes. Early repayment is possible at any time. For classic loans, fees may apply depending on the contractual conditions, but they are legally capped. Our advisors explain the exact terms to you before signing.
PCP includes a purchase option at the end of the contract: you can decide to acquire the vehicle. Long-term rental (LLD) is a pure rental contract — you return the vehicle at the end of the term. Long-term rental generally includes maintenance and insurance in the monthly payment, which makes it the professionals' favourite option.
The rate (APR) is personalised according to your borrower profile, the term and the amount financed. We regularly work with 0 % offers proposed by our partners. Our advisors give you the exact rate after reviewing your application, with no commitment.
Not necessarily. Some of our partners accept applications from people on fixed-term contracts, sole traders and self-employed workers. The decision depends on your income, your financial stability and the amount requested. Our advisors direct your application to the partners best suited to your profile.
Contactez L'Agence Automobilière
Vous avez un projet d'achat ou de vente de véhicule d'occasion ? Notre équipe vous répond sous 24 h et vous accompagne dans toutes vos démarches.
L'Agence Automobilière is at your service
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Simulate your financing
with no commitment.
Our advisors review your application free of charge and present you with the best available financing offers. No commitment before signing.