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Car loan — new or used
To get on the road
To get on the road
without tying up the rest.
From €3,000 to €100,000, over 12 to 84 months. Fixed APR from 2.90%, with no origination fees and no vehicle pledge.
2.90 %
Min. fixed APR
€0
Origination fees
14 d
Legal cooling-off
Car loan simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
Apply now
Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Fixed APR, no surprises
Monthly payment set in the offer, valid for the full term of the contract.
No origination fees
No application fees. No upfront fees, even if refused.
Decision within 2 hours
Preliminary decision within 2 business hours between 8am and 6pm, Monday to Friday.
No vehicle pledge
No registered pledge on the vehicle. You own it outright from delivery.
Detailed terms
The vehicle chosen,
The vehicle chosen,
the loan adjusted.
- Minimum amount€3,000
- Maximum amount€100,000
- Minimum term12 months
- Maximum term84 months
- Supporting documentPurchase order or invoice
- Origination fees€0
- Borrower insuranceOptional
- Disbursement of fundsWithin 8 days after cooling-off period
- Early repaymentNo penalty up to €10,000 / year
- GuaranteeCalp surety, no pledge
Indicative fixed APR scale
Excluding optional insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €3,000 — €8,000 | 24 months | 3.90% |
| €8,000 — €15,000 | 36 months | 3.40% |
| €15,000 — €25,000 | 48 months | 2.90% |
| €25,000 — €50,000 | 60 months | 2.90% |
| €50,000 — €75,000 | 72 months | 3.10% |
| €75,000 — €100,000 | 84 months | 3.40% |
Representative example: for a car loan of €18,000 over 48 months at a fixed APR of 2.90%, you repay 48 monthly payments of €397.76. Total cost of credit: €1,092.
Why choose Calp for your car loan
Four reasons to finance your vehicle with us
A car loan typically commits you for 4 to 7 years. At Calp, we believe transparency on total cost and immediate ownership of your vehicle matter more than flashy dealership offers.
No vehicle pledge
No registration with the pledge registry. From delivery, you fully own the vehicle, free to resell, re-register or export it without needing our approval.
New, used and two-wheelers funded
New cars, used vehicles without age limit, two-wheelers, motorhomes, light commercial vehicles. We also finance private sales, which most dealer-affiliated loans do not.
Ancillary costs covered
The loan can include registration, vehicle tax, the first year of comprehensive insurance and optional equipment (tow hook, rims, accessories). One monthly payment, one contact.
Penalty-free early repayment
If you resell the vehicle or receive a windfall, you can repay early up to EUR 10,000 per year with zero penalty. Beyond that, the indemnity is legally capped at 1% of repaid capital.
Eligibility criteria
Who can apply for a Calp car loan?
The Calp car loan is open to anyone of legal age residing in the European Economic Area, with regular income sufficient to absorb the monthly payment while keeping the debt-to-income ratio below 35%.
- Age at subscription18 to 75 at final due date
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,200 / month
- Employment statusPermanent, fixed-term > 6m, self-employed, retired
- Maximum debt-to-income ratio35% after operation
- Banking historyNo recurring payment incidents
Documents to submit with your application
Upload PDF/JPG/PNG from your client area. Decision within 2 business hours once the file is complete and the purchase order is accepted.
-
Valid government-issued ID
National ID card (both sides) or passport. For non-EU nationals, include a residence permit valid for at least 12 months beyond the loan's last due date. -
Proof of address less than 3 months old
Utility bill, landline or internet bill, rent receipt from a professional landlord, or tax notice. Mobile bills and hosting certificates are accepted on a case-by-case basis. -
Proof of income
Last three pay slips for employees, last two balance sheets for self-employed, latest pension notice for retirees. Rental income is included on the basis of the tax notice. -
Purchase order or pro forma invoice
Document issued by the seller (dealer, garage, private seller) showing model, registration number for used vehicles, sale price and delivery terms. Signed by both parties. -
Bank statements and IBAN
Last three months of statements for the main account, plus an IBAN for the account that will receive funds and be debited for monthly payments. Account must be in the EEA in the borrower's name.
Typical use cases
What is the Calp car loan used for?
The Calp car loan covers all personal and professional mobility projects. Below are the four most frequent uses observed across our 2025 applications.
New car for daily use
Dealership purchase of a new sedan, SUV or compact, full financing including options. Average amount EUR 28,500, average term 60 months. 41% of files.
Used vehicle from a private seller
Out-of-network purchase, car under 8 years old, with registration fee and first year of insurance financed. Average amount EUR 14,200, average term 48 months. 32% of files.
Two-wheeler, scooter or motorbike
New or used motorbike, electric scooter, 125cc or larger. Safety gear can be included in the same envelope. Average amount EUR 7,800, average term 36 months. 16% of files.
Motorhome or recreational vehicle
Converted van, new or used motorhome, caravan, transformed light truck. Longer terms aligned with the gradual depreciation of these vehicles. Average amount EUR 42,000, average term 84 months. 11% of files.
Frequently asked questions
Your questions, our answers.
01
Which vehicles are eligible?
New or used cars, two-wheelers, motorhomes. No age limit on the vehicle.
02
Do I need to provide a purchase order?
A purchase order or pro forma invoice is requested as a supporting document, but funds are not contractually earmarked.
03
Is the vehicle pledged?
No. No registered vehicle pledge. You own the vehicle outright from delivery.
04
Can I also finance the car insurance?
Yes, ancillary costs (registration, first-year insurance, equipment) can be financed within the same envelope.
05
Can the vehicle be registered outside France?
Yes, provided the country of registration is in the EU, EEA or Switzerland. You remain responsible for taxes and registration in that country. Calp only requires comprehensive insurance to be maintained throughout the loan term.
06
Can I finance an electric or hybrid vehicle?
Yes, and electric vehicles benefit from a 0.20% APR discount versus the standard rate sheet. The government's ecological bonus stays with the buyer and is not deducted from the financed amount. Home charging stations can be included in the loan.
07
What down payment is required for a car loan?
No down payment is required: Calp finances up to 100% of the vehicle price, ancillary fees included. A 10% to 20% deposit nonetheless reduces the monthly payment, shortens the term and unlocks a more favourable APR. For vehicles above EUR 50,000, a minimum 15% deposit is recommended for file balance.
No pledge,
no surprises.
Fast decision, known monthly payment, immediate ownership.
