PAN Vehicle Financing is an attractive option for those looking to buy a car or motorcycle with competitive rates and a variety of conditions. Highlights include rates starting at 1.55% per month, the first installment due in up to 45 days, and a payment term of up to 60 months. This allows customers to obtain smoother and more flexible payment plans when planning the purchase of a new or used vehicle. Those who don't have the cash upfront benefit especially from the possibility of financing up to 100% of the vehicle's value, making the process accessible to different profiles.

How to apply: Step by step

1. Find the vehicle on Mobiauto, a partner platform of PAN.
2. Run an online simulation with the amounts you wish to finance.
3. Go to a partner store to validate the offer.
4. Sign your digital contract easily and securely.
5. Wait for approval and, once everything is in order, pick up your vehicle.

Main advantages

One of the great advantages of PAN Financing is that it allows you to finance the total value of your car or motorcycle. This means no down payment is required.

Furthermore, the entire hiring process can be done digitally, without bureaucracy and with quick approval.

Main disadvantages

Financing is subject to credit analysis and is therefore not guaranteed for all profiles.

It's also important to point out that there are fees, IOF (tax on financial transactions), and other charges, in addition to interest, which can increase the final amount.

Final verdict

For those seeking flexibility, extended payment terms, and the ease of a digital process, PAN vehicle financing emerges as a very attractive alternative. However, it's worth carefully analyzing the conditions and running simulations beforehand, as extra costs can impact the budget.