Itaú's vehicle financing currently stands out for its digital 100% offer, competitive interest rates, and flexible terms. Key features include the possibility of fully online contracting and repayment terms of up to 60 months, with credit approval possible in just a few minutes after simulation, making the process quick. It's possible to simulate different scenarios without obligation, including financing with or without a down payment, for new, used, or pre-owned cars. Itaú also offers extra benefits, such as the possibility of postponing up to two installments in situations of financial hardship, discounts on auto insurance, and tools to track the proposal directly through the app.

Step-by-step instructions for requesting

1. Download or access the Itaú app.
2. In the menu, select "vehicle financing".
3. Simulate values, terms, and down payment according to your preference.
4. Send the car's and seller's documentation.
5. Sign the contract digitally through the app itself.
6. Wait for approval and that's it: just pick up the vehicle!

Positive points

One of the biggest advantages is the digital application process, eliminating the need to visit a branch. Credit analysis is usually quick, increasing the chances for those who need a car urgently.

The app also allows real-time tracking of all stages of the request, offering security and transparency to the customer.

Negative points

Itaú requires vehicles to be no more than 20 years old, which limits options for those seeking older models. Furthermore, for motorcycles, financing is only available through partner dealerships.

Another point to note: account holders experience a faster process, while non-account holders rely on partnerships, which can make the journey a little less agile.

Verdict

Itaú vehicle financing is an excellent option for those seeking convenience, competitive rates, and fast credit approval. Their app simplifies everything from simulation to contract signing, and offers benefits such as payment pauses and insurance discounts. It's a choice that combines banking tradition with digital practicality.