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Financing

Used-car finance in Portugal

Choose a car from the catalogue and send your enquiry. The dealership’s finance manager will contact you with a proposal and a monthly payment calculation.

How it works

  1. 1

    Choose a car from the catalogue

  2. 2

    Send your finance enquiry

    Select “Calculate finance” on the car’s page. The vehicle details are filled in automatically.

  3. 3

    Get your monthly payment quote

    The dealership’s finance manager will contact you.

FAQ

Does the calculation commit me to anything?
No. The website calculation is an estimate. The final terms depend on the finance partner.
Can I finance any car in the catalogue?
Yes, subject to approval by the finance partner.
Do I need a NIF?
Yes. You need a NIF, Portugal’s tax identification number, to arrange finance in Portugal.
Do I need a residence permit?
Yes, you need a residence permit or citizen card. Other arrangements may be possible — send an enquiry to discuss your situation.
Which documents do I need for car finance?
Usually: identification and a residence permit, NIF, proof of address (an electricity, water or internet bill), IBAN and proof of income — payslips for the last 3–6 months, or the latest IRS tax return if you’re self-employed. The partner’s manager will confirm the exact list. See “Documents needed for car finance in Portugal” for more details.
What are recibos de vencimento?
They are monthly payslips issued by your employer. The bank uses them to verify your income.
Can I get finance with no deposit?
It depends on the partner and your circumstances. The manager will confirm after assessing your application.
Who are the finance partners?
Credit institutions and intermediaries authorised to operate in Portugal.