Products and services

Business · Credit

Business Car Loan

  • Nominal rate from7.5%
  • APR8.58%
  • Maximum term84 months (7 years)
  • Scenarios3
Request information See price list

Financial conditions

Fixed rate Uso Próprio Used in the simulator Fixed rate Uso Comercial Fixed rate Exploração comercial
Nominal rate 7.5% 7.5% 8%
APR 8.58% 8.76% 9.51%
Maximum term 84 months (7 years) 60 months (5 years) 48 months (4 years)
Default interest 2% 2% 2%
pick ups, viaturas de trabalho, empilhadoras, máquinas de armazém
  • Uso Próprio: Representative example: APR of 8.58%, based on a nominal rate of 7.5%, for a loan of CVE 2,000,000.00 over 84 months (7 years).
  • Uso Comercial: Representative example: APR of 8.76%, based on a nominal rate of 7.5%, for a loan of CVE 2,000,000.00 over 60 months (5 years).
  • Exploração comercial: Representative example: APR of 9.51%, based on a nominal rate of 8%, for a loan of CVE 2,000,000.00 over 48 months (4 years).

Indicative conditions. The conditions of your loan depend on the assessment of your application. Check the Price List and the Standardised Information Sheet in force.

Características

Documentação

  • Factura Pró-forma da Viatura;
  • Número de identificação de pessoa colectiva (Empresa);
  • Registo Comercial actualizado;
  • Identificação de titular(es);
  • Número de Identificação Fiscal;
  • Copia de Livrete e Acordo/Promessa de compra e venda caso seja um veiculo usado;
  • Comprovativos de rendimentos (Declaração de salários ou pensão para particulares e Relatório e Contas para empresas);

Entrada mínima

  • 20% para viaturas usadas;
  • 25% para viaturas de exploração.

Prazo de reembolso

  • Até 7 anos para viaturas de uso próprio;
  • Até 5 anos para viaturas de exploração comercial.

Taxa de juros

Uso Próprio

  • TAN: 7,5% | TAEG: 8,58%

A TAEG é calculada numa base de TAN de 7,5%, para o Crédito Automóvel de CVE 2.000.000,00

Prazo: 84 meses; Juros de mora: 2%;

Uso Comercial

  • TAN: 7,5% | TAEG: 8,76%

A TAEG é calculada numa base de TAN de 7,5%, para o Crédito Automóvel de CVE 2.000.000,00

Prazo: 60 meses; Juros de mora: 2%;

Exploração comercial

  • TAN: 8% | TAEG: 9,51%

A TAEG é calculada numa base de TAN de 8%, para o Crédito Automóvel de CVE 2.000.000,00

Prazo: 48 meses; Juros de mora: 2%;

(pick ups, viaturas de trabalho, empilhadoras, máquinas de armazém)

Garantias

  • Hipoteca do veículo a favor do Banco
  • Seguro do veículo a favor do Banco até ao equivalente a 110% do valor do crédito
  • Nos casos em que haja Protocolos entre o Banco e as Concessionarias deve ser feita Reserva de Propriedade, algo que ficara explícito em contrato tripartido celebrado entre o Banco, o Cliente e a Concessionaria
  • Livrança em branco
  • Aval, se aplicável.

How to proceed

From information to decision, with support.

  1. 01Understand the conditions

    Read the product information and check the price list in force.

  2. 02Prepare the documents

    Gather your identification details and the applicable supporting documents.

  3. 03Talk to BAICV

    Ask for information or visit a branch to complete the process.

Frequently asked questions

Before you proceed

Use the request information button or visit a BAICV branch.

The final conditions depend on the solution, the customer profile and, where applicable, the commercial or credit assessment.

Check the price list in force and the specific product documentation before making a decision or signing the contract.

Simulate in seconds

What would your monthly payment be?

Adjust the amount, the term and the rate and see the monthly payment right away. The rate starts at this product's rate and can be changed to try other scenarios. No sign-up, no commitment.

All simulators
5 000 000 CVE
48 months
7.5 %
Product fixed rate: 7.5% nominal. You can change it to try another scenario.
My monthly payment — Sum of instalments (principal and interest): — Not in this sum: fees, stamp duty, insurance and other charges. The full cost is the APR in the standard information sheet.
Assumptions of this simulation
  • Constant instalment (principal and interest), paid every month
  • The chosen rate stays the same for the whole term
  • No grace period or deferral
  • Amounts rounded to the escudo.

Product conditions updated on 25/09/2026

Request a personal offer

Simulation using the rate shown above, which you can change. The sum of instalments covers principal and interest and does NOT include fees, insurance, taxes or other charges. It is not an offer: the conditions of your loan depend on the assessment of your application and on the current Price List, which prevails over any simulation.