BRAPcars

Your new car within reach

Flexible financing with approval in 60 minutes. From 0% down payment with direct ownership option.

60 min
Fast approval
0%
Down payment from
1 doc
Minimum documents
100%
Direct ownership

How does it work?

1

Choose a vehicle

From our offer or from another dealer or private listing. We finance everything.

2

Apply for a loan

Directly at our dealership or online. Just an ID card — the bank verifies income directly.

3

Approval in 60 min

When all conditions are met, loan approval takes up to 60 minutes. Sometimes even faster.

4

Take your car

You become the owner upon signing. We handle the vehicle registration for you.

Auto Loan

Financing tailored to your needs. No hidden fees, transparent conditions.

  • Down payment from 0%
  • Term 12 – 96 months
  • Immediate vehicle ownership
  • Early repayment option
  • No hidden fees
  • Payments from €99 / month

Required Documents

For employees

  • ID card
  • No income confirmation needed — bank verifies directly

For entrepreneurs

  • ID card
  • No tax returns needed

For foreigners

  • ID card
  • Employment contract
  • 3 bank statements / income confirmation

Specific requirements may vary by bank and individual assessment.

Frequently Asked Questions

Is a down payment required? +
No, we offer financing with 0% down payment. The down payment amount is optional and depends on your preferences.
How long does loan approval take? +
When all conditions are met, loan approval takes up to 60 minutes. In some cases, the process can be even faster.
Can I finance a car from another dealer? +
Yes, we provide financing for vehicles from any source — other dealers, private listings, or already-owned cars.
Can I pay off the loan early? +
Yes, you can pay off the loan at any time without additional penalties.

Interested in financing?

Contact us and we'll find the best financing solution for you.