Compare Car Finance in Spain

Live offers across tracked providers in Spain — updated daily from the Giraffy database.

Live offers

20 live offers compared from 15 providers, from 3.99% ABR. Updated daily.

VW Finance ES Volkswagen Finance ES

3.99% ABR

  • Tasa de interés anual representativa: 3,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 100.000 €
  • Característica clave: Marcas del grupo

Servicios Financieros SEAT SEAT Financial Services

4.49% ABR

  • Tasa de interés anual representativa: 4,49%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: marca española

Renault Finance ES Renault Finance ES

4.99% ABR

  • Tasa de interés anual representativa: 4,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: Calidad francesa

Servicios Financieros de Toyota ES Toyota Financial Services ES

4.99% ABR

  • Tasa de interés anual representativa: 4,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: fiabilidad japonesa

BMW Financial ES BMW Financial Services ES

4.99% ABR

  • Tasa de interés anual representativa: 4,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 150.000 euros
  • Característica clave: Financiación premium

Peugeot Finance ES Peugeot Finance ES

4.99% ABR

  • Tasa de interés anual representativa: 4,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: estilo francés

Mercedes-Benz Financial ES Mercedes-Benz Financial ES

5.49% ABR

  • Tasa de interés anual representativa: 5,49%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 150.000 euros
  • Característica clave: Segmento premium

Santander Consumidor ES Banco Santander España

5.49% ABR

  • Tasa de interés anual representativa: 5,49%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: Ofertas de concesionarios al 0%

Volkswagen Finance Financiación Auto ES Volkswagen Finance ES

5.90% ABR

  • Tasa de interés anual representativa: 5,9% TAE representativa
  • Plazo del préstamo: 24–72 meses
  • Monto máximo del préstamo: 80.000 €
  • Característica clave: Grupo VW (VW/Audi/Skoda/SEAT/Cupra); promociones competitivas del 0% TAE en modelos nuevos.

BBVA AutoCrédito BBVA AutoCrédito

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: Banco español respaldado

Cetelem Auto Cetelem España

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 50.000 €
  • Característica clave: Crédito al consumo

Ford Credit ES Ford Credit ES

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 80.000 euros
  • Característica clave: Finanzas de Ford

ING Autocrédito ING España

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 50.000 €
  • Característica clave: Tarifa solo online

Cajamar Autocrédito Cajamar Caja Rural

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 50.000 €
  • Característica clave: banco cooperativo rural

BBVA Préstamo Auto BBVA

5.99% ABR

  • Tasa de interés anual representativa: 5,99%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 60.000 €
  • Característica clave: Banco completo

CaixaBank Auto CaixaBank

6.49% ABR

  • Tasa de interés anual representativa: 6,49%
  • Plazo del préstamo: 12–60 meses
  • Monto máximo del préstamo: 50.000 €
  • Característica clave: La más grande de España

Santander Consumo Crédito Auto ES Banco Santander España

6.90% ABR

  • Tasa de interés anual representativa: 6,9% TAE representativa
  • Plazo del préstamo: 12–84 meses
  • Monto máximo del préstamo: 75.000 €
  • Característica clave: Grupo Santander; multimarca; nuevos y usados; decisión rápida en línea

BMW Financial Services Financiación ES BMW Financial Services ES

7.40% ABR

  • Tasa de interés anual representativa: 7,4% TAE representativa
  • Plazo del préstamo: 24–60 meses
  • Monto máximo del préstamo: 150.000 €
  • Característica clave: Grupo BMW; BMW/MINI; opciones finales flexibles; globo disponible

BBVA AutoCrédito ES BBVA AutoCrédito

8.10% ABR

  • Tasa de interés anual representativa: 8,1% TAE representativa
  • Plazo del préstamo: 12–72 meses
  • Monto máximo del préstamo: 60.000 €
  • Característica clave: Préstamo del banco BBVA; vehículos nuevos y usados; sin vínculos con concesionarios; solicitud en línea.

CaixaBank Préstamo Coche ES CaixaBank

8.90% ABR

  • Tasa de interés anual representativa: 8,9% TAE representativa
  • Plazo del préstamo: 12–84 meses
  • Monto máximo del préstamo: 60.000 €
  • Característica clave: CaixaBank; nuevos y usados; sucursales y en línea; los productos combinados pueden reducir la tasa.

What is car finance in Spain?

Car finance (financiación de coche) lets you spread the cost of a vehicle rather than paying cash. In Spain the main options are a car loan (préstamo coche) that you repay in fixed instalments to own the car outright, and manufacturer schemes offered by carmakers' finance arms, which sometimes include a final balloon payment or the option to return or renew the vehicle. Dealers and banks both arrange finance at the point of sale, so buyers usually have several routes to compare.

How the Spanish market works

Two channels dominate: banks offering standalone car loans, and captive finance companies owned by manufacturers - BMW, Volkswagen, Mercedes-Benz, Renault and SEAT among them - that bundle finance with the car, often at promotional rates tied to buying insurance or servicing. Banks such as BBVA, CaixaBank and Santander compete with flexible loans not tied to a brand. Rates are quoted as a TIN with a TAE that includes fees and any linked products, which is the figure to compare across offers.

Benefits of car finance

Spread the cost — fixed monthly instalments make a large purchase manageable.

Promotional manufacturer rates — captive lenders often subsidise interest to sell cars, sometimes reaching very low or zero TIN.

Flexible structures — balloon and renewal options can lower monthly payments if you plan to change car regularly.

Preserve savings — financing keeps your cash free for other needs rather than tying it up in the car.

How to choose

Compare the TAE, not the TIN — the annual rate including fees and any required insurance is the true cost.

Bank loan vs dealer finance — a bank loan is unconditional and flexible; manufacturer finance may be cheaper but tie you to insurance or servicing.

Watch the balloon — a low monthly payment with a large final sum means you still owe a lot to keep the car.

Check the total repayable — add up every instalment and fee to see what the car really costs.

Leading providers in Spain

Manufacturer arms such as BMW Financial Services, Volkswagen Finance, Mercedes-Benz Financial, Renault Finance and SEAT Financial Services offer brand-tied finance, while BBVA (including its AutoCrédito service), CaixaBank and Banco Santander España provide bank car loans. Captive finance can undercut on promotional rates, whereas bank loans offer independence and the freedom to buy privately.

What it costs

Rates on our panel run from around 3.99% up to about 8.9% TIN depending on the lender, term and any promotional subsidy. Manufacturer offers can dip lower when tied to insurance or servicing. Beyond interest, factor opening fees and the total repayable over the term, and remember that any balloon payment is money you still owe to own the car outright at the end.

Protections and regulation

Car loans are consumer credit supervised by Banco de España, so lenders must disclose the TAE clearly and grant a 14-day right of withdrawal after signing. Early repayment is allowed with legally capped fees. If finance is bundled with linked insurance to secure a promotional rate, that cost must be reflected in the TAE, letting you compare offers on a like-for-like basis.

Common questions

Bank loan or dealer finance? — Compare the TAEs; dealer promos can win, but bank loans let you buy anywhere without conditions.

Can I repay early? — Yes; consumer-credit law limits early-repayment fees.

What is a balloon payment? — A large final instalment that keeps monthly payments low but must be paid to own the car.

Does financing affect insurance? — Financed cars usually need comprehensive cover, which the lender may require during the term.

Car Finance in Spain — FAQ

What is the best car finance rate in Spain right now?

Giraffy tracks 5 car finance products across Volkswagen Finance ES,SEAT Financial Services,Renault Finance ES,Toyota Financial Services ES,BMW Financial Services ES lenders in Spain. Compare by APR to find the most cost-effective way to finance your vehicle.

What types of vehicle finance are available?

Common vehicle finance types include hire purchase (you own the car at the end), personal loans (borrow the cash outright), dealer finance, and leasing (no ownership). Compare total cost of credit — not just monthly payments — to find the most affordable option.

What credit score do I need for car finance?

Most mainstream lenders require a fair to good credit score. Specialist lenders offer car finance to those with poor or limited credit history, but typically at higher APRs. Check your eligibility using a soft-search tool before applying to avoid unnecessary hard searches on your credit file.

Can I get car finance with bad credit?

Yes — specialist lenders offer car finance to borrowers with a poor credit history, but at higher interest rates. A larger deposit reduces risk for the lender and may secure you a better rate. Improving your credit score before applying is the most cost-effective long-term approach.

What fees should I watch for on a car finance deal?

Watch for origination fees, documentation fees, prepayment penalties, and GAP insurance charges. These can add significantly to the total cost of a car finance deal. Always compare total cost of credit — not just the monthly payment or headline APR.

Is it cheaper to get car finance through a dealer or directly with a lender?

Dealer car finance is convenient but not always the cheapest — dealers often earn commission on the finance package. Comparing independent lenders via Giraffy before visiting a showroom gives you a benchmark rate. Arriving with pre-approved car finance puts you in a stronger negotiating position.

What happens if I want to settle a car finance deal early?

Early settlement typically involves paying the outstanding capital plus a settlement fee (usually 1–2 months' interest). Check the specific early repayment terms in your agreement before settling early.