Drive The Vehicle Of Your Dreams With Tailored Financing

At GJRA, we offer competitive auto loan solutions for the purchase of new or used vehicles, with transparent terms and customized monthly payments.

What do we have

Conventional Loan
Loan with No Down Payment
Auto Loan Refinancing
Professional Financing

Customers & Support

We provide you with much more responsive customer support that takes care of you and answers your questions. 5/7 business days

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