Vehicle Financing Solutions for Your Mobility Needs
GJR Associates offers vehicle financing solutions for individuals seeking funding for new or used cars. Our services provide flexible options tailored to your budget and transportation needs.
We help simplify the financing process and support you in securing reliable vehicle funding quickly and efficiently.
Loan with No Down Payment
Auto Loan Refinancing
Professional Financing
We Create Attractive Financial Solutions
We pride ourselves on our long-standing financial convictions, focusing on our clients’ results and growth.
Financing range: From €3,000 to €80,000 depending on your profile
Evaluation criteria:
Stable income (ideally a permanent contract)
Recommended down payment (10-30% of the price)
Banking history
Credit history
Example: With a net salary of €2,000, you could borrow approximately €15,000 over 5 years.
Standard terms: 12 to 84 months (1 to 7 years)
Our recommendation:
≤ 4 years for new vehicles
≤ 3 years for used vehicles
Avoid excessively long terms (risk of significant depreciation)
Cost impact: A €10,000 loan at 3% over 3 years costs ~€450 in interest, compared to ~€1,050 over 5 years.
Mandatory:
Auto liability insurance (legal minimum)
Recommended:
Comprehensive or extended third-party damage insurance
Credit insurance (payment protection in the event of an unforeseen event)
Optional:
Extended mechanical warranty (for used vehicles)
Gap insurance
Yes, you can generally finance:
Registration fees (except for environmental penalties)
First-year insurance
Accessories (if sold by the dealer)
Extended warranty
Limit: The total amount must not exceed 110-120% of the vehicle’s price.
Two main solutions:
Early repayment:
Possible at any time
Fees capped at 1% of the remaining capital (Hamon Law)
Credit assignment:
The new buyer takes over the credit
Requires bank approval
Check the contract clauses