Brazil Auto Loan Calculator 2026

Calculate your car financing (financiamento) with accurate CET, compare major Brazilian banks, and make smart decisions about your vehicle purchase.

Brazil Auto Financing Calculator

This calculator helps you understand the total cost of your car loan in Brazil, including CET (Custo Efetivo Total) – the Brazilian equivalent of APR that includes all fees and charges.

R$ 20.000 R$ 500.000
R$ 0 R$ 400.000
8% 30%
12 meses 84 meses

Your Financing Summary

Monthly Payment (Parcela) R$ 0
Loan Amount (Financiado) R$ 0
Total Interest (Juros) R$ 0
CET (Custo Efetivo Total) 0%
Total Cost (Custo Total) R$ 0
Vehicle Value R$ 0
Interest & Fees R$ 0
Important Brazilian Context: CET includes all mandatory costs: interest, fees, taxes, and insurance. Always compare CET rates between banks, not just nominal interest rates. Down payments (entrada) significantly affect approval chances and rates.

Brazilian Bank Comparison 2026

Bank / Financial Interest Rate (a.a.) CET Range Max Term Minimum Entry Special Features
Banco do Brasil 10.9% - 16.5% 12.5% - 19.2% 72 months 20% Discount for salary account
Itaú Unibanco 11.5% - 17.8% 13.8% - 20.5% 84 months 15% Fast approval for existing clients
Santander 12.2% - 19.5% 14.5% - 22.8% 60 months 20% Partnership with dealers
Bradesco 11.8% - 18.2% 14.0% - 21.5% 72 months 25% Insurance bundle discount
Caixa Econômica 9.9% - 15.5% 11.8% - 18.2% 60 months 30% Lowest rates for gov employees
Banco Safra 13.5% - 21.0% 16.2% - 24.8% 48 months 40% Premium service only

📋 Brazilian Documentation

You'll need CPF, RG, proof of income (holerite or contracheque), proof of residence, and sometimes a fiador (guarantor) for longer terms.

💰 Tax Considerations

IPVA (annual tax) and licensing fees aren't included in financing. Some banks offer IPVA financing separately. Always factor in these additional Brazilian costs.

⚡ Negotiation Tips

Brazilian banks often negotiate rates. Always ask for "melhores condições" (better conditions), especially if you're transferring your salary account.

🏛️ Banco do Brasil Auto Loan

As one of Brazil's largest public banks, Banco do Brasil offers competitive rates for government employees and salary account holders.

BB Special Conditions

  • Salary account holders: Up to 1.5% rate reduction
  • Government employees: Special terms up to 84 months
  • BB Consignado: Special rates for pensioners

Banco do Brasil Quote

Monthly Payment R$ 0
Applicable Rate 0%
Opening Fee (Taxa de Abertura) R$ 0
CET Projection 0%
BB Advantage: Government employees can access "BB Crédito Consignado" with rates as low as 8.9% a.a. through payroll deduction.

🏢 Itaú Unibanco Financing

Brazil's largest private bank offers flexible terms and digital approval processes through their Itaú Carro platform.

Itaú Financing Details

Monthly Payment R$ 0
Insurance Bundle R$ 0
Digital Approval Time 0 hours
Itaú Digital: Complete online approval in as little as 2 hours for pre-qualified customers. Special rates for electric vehicles through "Itaú Sustentabilidade" program.