Compare Car Finance in Luxembourg

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

Live offers

18 live offers compared from 15 providers, from 3.50% AVR. Updated daily.

Audi Financial Services LU Audi Financial Services LU

3.50% AVR

  • Taux minimum: À partir de 3,5 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: Valeur garantie PCP

Services financiers VW LU VW Financial Services LU

3.90% AVR

Financement automobile de constructeur du groupe VW Luxembourg — VW, Audi, Škoda, SEAT, CUPRA.

  • Taux minimum: 3,9 % par an
  • Durée maximale: 60 mois
  • Type de financement: Jusqu'à 80%

Mercedes-Benz Finance LU Mercedes-Benz Financial Services LU

3.90% AVR

  • Taux minimum: À partir de 3,9 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: PCP/HP

Toyota Financial Services LU Toyota Financial Services LU

3.90% AVR

  • Taux minimum: À partir de 3,9 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: PCP/HP

BIL Prêt Auto LU BIL Luxembourg

4% AVR

  • Taux minimum: À partir de 4,0 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: Prêt personnel

BMW Bank LU BMW Bank LU

4.20% AVR

  • Taux minimum: À partir de 4,2 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: PCP/HP

Renault Finance LU Renault Finance LU

4.20% AVR

  • Taux minimum: À partir de 4,2 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: PCP/HP

BGL Auto Prêt Perso LU BGL BNP Paribas Luxembourg

4.50% AVR

  • Taux minimum: À partir de 4,5 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: Prêt personnel

Kia Finance LU Kia Finance LU

4.50% AVR

  • Taux minimum: À partir de 4,5 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: HP/PCP

ING Luxembourg Auto LU ING Luxembourg

4.70% AVR

  • Taux minimum: À partir de 4,7 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: HP

Crédit Auto Spuerkeess Spuerkeess BCEE

4.75% AVR

Prêt automobile de la Caisse d'épargne de l'État luxembourgeois BCEE.

  • Taux minimum: 4,75 % par an
  • Durée maximale: 84 mois
  • Type de financement: Jusqu'à 80%

Ford Credit LU Ford Credit LU

4.90% AVR

  • Taux minimum: À partir de 4,9 % TAEG
  • Durée maximale: 72 mois
  • Type de financement: HP/Location

Prêt automobile N26 LU N26

4.90% AVR

  • Taux minimum: À partir de 4,9 % TAEG
  • Durée maximale: 60 mois
  • Type de financement: Prêt personnel

BGL BNP Auto-Prêt BGL BNP Paribas Luxembourg

4.90% AVR

Crédit auto auprès de BGL BNP Paribas Luxembourg. Véhicules neufs et d'occasion.

  • Taux minimum: 4,9 % par an
  • Durée maximale: 72 mois
  • Type de financement: Jusqu'à 80%

Revolut Financement automobile LU Revolut Luxembourg

4.90% AVR

  • Taux minimum: À partir de 4,9 % TAEG
  • Durée maximale: 48 mois
  • Type de financement: Prêt personnel

ING Luxembourg Prêt Auto ING Luxembourg

4.95% AVR

Prêt auto d'ING Luxembourg — taux compétitif, demande 100% numérique.

  • Taux minimum: 4,95 % par an
  • Durée maximale: 72 mois
  • Type de financement: Jusqu'à 100%

Raiffeisen LU Crédit Auto Raiffeisen Luxembourg

5% AVR

Financement automobile auprès de la banque coopérative Raiffeisen LU. Service personnalisé.

  • Taux minimum: 5,0 % par an
  • Durée maximale: 60 mois
  • Type de financement: Jusqu'à 80%

BIL Crédit Auto BIL Luxembourg

5.10% AVR

Prêt automobile de la BIL — Banque Internationale à Luxembourg.

  • Taux minimum: 5,1 % par an
  • Durée maximale: 72 mois
  • Type de financement: Jusqu'à 80%

What is Car Finance in Luxembourg?

Car finance in Luxembourg lets you spread the cost of a vehicle rather than paying the full price upfront. The main routes are a bank car loan (a personal or auto loan repaid in fixed instalments), dealer or manufacturer financing, and leasing. With high car ownership and many residents commuting across borders, financing is common for both new and used vehicles. A bank loan leaves you owning the car outright, while leasing spreads use over a term with the option to return or buy the vehicle at the end.

How the Luxembourg market works

Banks such as Spuerkeess (BCEE), BGL BNP Paribas, BIL, ING Luxembourg and Raiffeisen offer auto loans, often at preferential rates for greener vehicles. Manufacturer captives — VW Financial Services, Audi Financial Services and BMW Bank — provide financing and leasing directly through dealers, sometimes with promotional rates. Loan terms typically run three to seven years, with the rate depending on the amount, term and borrower profile. State incentives for low-emission and electric cars can affect the overall cost of financing a new vehicle.

Benefits

Spread the cost — Fixed monthly instalments make a major purchase manageable.

Ownership option — A bank loan means you own the car outright from the start.

Green incentives — Preferential rates and state subsidies can lower the cost of electric or low-emission vehicles.

Dealer convenience — Manufacturer finance arranges everything at the point of sale.

How to choose

Compare the APR (TAEG) across a bank loan and dealer finance, since promotional dealer rates can be attractive but may come with conditions. Decide between owning (loan) and using (lease/PCP), factoring in mileage limits and end-of-term charges on leases. Check the term, deposit, monthly payment and total cost, plus whether early repayment is penalty-free. For electric vehicles, confirm eligibility for state subsidies and any preferential financing.

Leading providers in Luxembourg

Spuerkeess (BCEE), BGL BNP Paribas, BIL, ING Luxembourg and Raiffeisen are the main bank lenders for auto loans, competing on rate and flexibility. Manufacturer captives VW Financial Services, Audi Financial Services and BMW Bank offer brand-specific financing and leasing through dealers. The best option depends on whether you prefer a bank loan you can use at any dealer or a manufacturer package tied to a specific make, and whether you want to own or lease.

What it costs

Car-finance interest rates in the market broadly range from around 3.5% up to about 5.1% APR, depending on the amount, term, vehicle type and borrower profile, with greener vehicles sometimes attracting preferential rates. Beyond interest, consider any deposit, arrangement fees, and — for leases — mileage limits and end-of-contract condition charges. The APR (TAEG) is the figure to compare across offers.

Protections and regulation

Consumer car loans fall under the EU Consumer Credit Directive as applied in Luxembourg, with mandatory APR disclosure, a standardised information sheet and a 14-day withdrawal right. Lenders are supervised by the CSSF and must assess affordability. Leasing contracts follow consumer and contract law. Disputes can be escalated via the CSSF's out-of-court procedure and the ULC.

Common questions

Should I take a loan or lease? A loan means you own the car; leasing lowers monthly cost but has mileage limits and no ownership unless you buy at the end.

Are there incentives for electric cars? Luxembourg has offered subsidies for low-emission vehicles and some banks give preferential green rates — check current schemes.

Can I repay early? Consumer car loans generally allow early repayment, with any indemnity capped under consumer-credit rules.

How long can car finance run? Terms commonly run three to seven years, with a longer term lowering the monthly payment but increasing total interest.

Do I need car insurance to finance a vehicle? Lenders and lessors typically require at least third-party motor cover, and often comprehensive, for the financed vehicle.

Car Finance in Luxembourg — FAQ

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

Giraffy tracks 5 car finance products across Audi Financial Services LU,VW Financial Services LU,Mercedes-Benz Financial Services LU,Toyota Financial Services LU,BIL Luxembourg lenders in Luxembourg. 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.