Car & home improvement
A vehicle, a renovation: two projects, the same need for clarity
These are the two types of financing where the gap between a good and a bad offer runs into thousands of dollars. Not least because the dealer's or the contractor's offer is rarely the best one.
- Vehicle
- new, used, motorcycle, RV
- Renovation
- up to €500,000
- Term
- 12 to 84 months
Car & home improvement
Purpose-specific or personal: which to choose
A purpose-specific loan is tied to the asset: if the sale or the project falls through, the credit is cancelled. Its rate is often lower, but it requires quotes and invoices. A personal loan is more flexible and faster, with no proof of use. We steer you according to how far along your project actually is, not according to what sells best.
Representative example
For a loan of 10,000 € over 24 months at a fixed annual percentage rate of 3,50% (fixed borrowing rate of 3,50%), excluding optional insurance: 24 monthly payments of 432.03 €. Total amount payable: 10,368.72 €, of which 368.72 € in interest. Offer subject to approval of your file by the lender.
Overview
What you gain
The dealer's financing, put to the test
The dealership offer is one offer among several. Comparing it takes two days and often saves several points of interest.
Energy retrofits taken seriously
Heat pump, insulation, windows: we identify the grant programmes and subsidised loans your project qualifies for.
Disbursement paced to the site
Funds can be released in tranches, in step with the contractor's draw requests.
Used and older vehicles
Including private-sale purchases, where many lenders close the door without explaining why.
Who it is for
- Purchase of a new or used car, motorcycle or recreational vehicle
- Renovation, extension or fit-out work
- Energy retrofits and bringing a property up to code
- Owner or tenant, depending on the nature of the work
Conditions and documents
- Purchase order, bill of sale or signed quote
- Proof of income and photo identification
- Last three bank statements
- For a used vehicle: registration certificate
Borrowing money costs money and must be repaid. Check your repayment capacity before committing. This application is not a credit offer and does not bind any lender.
FAQ
Questions about this solution
Yes. The arrangement differs slightly from a dealership purchase and not all lenders offer it: this is exactly the kind of case where competition pays off.
We build them into the financing plan: the loan only covers what you actually have left to pay, which reduces the interest accordingly.
With a purpose-specific loan, yes — that is its main advantage. With a personal loan, no: the funds are yours and remain owed.
Your project deserves better than a rate picked at random
Complete the application in five minutes. An advisor gets back to you within 24 business hours with a preliminary answer and, where possible, a costed proposal.
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