Finance
Funding, explained before it is applied for.
From Barcelona we can introduce you to lenders for a classic car loan or finance with a final payment. The calculator is in euros. It does not consult ASNEF or CIRBE. A person does that later, and only if you ask.
No obligation
An illustration is a piece of arithmetic. You can close the page.
Not a credit search
Nothing on this website asks ASNEF, CIRBE, or any other register about you.
A person, afterwards
If you want to go further, the desk arranges a proper conversation.
Estimated monthly
€3,417
per month for 48 months
- Amount of credit
- €135,000
- Total payable
- €179,039
- Interest
- €29,039
- Deposit
- €15,000
Representative illustration, not a quotation: borrowing €135,000 over 48 months at 9.9% APR (TAE), after a €15,000 deposit, would cost about €3,417 a month. Total amount payable €179,039. The rate you are actually offered depends on the lender, the car and your circumstances. The rate on this page is a sample.
Classic credit
A loan repaid in monthly instalments, in euros, with no large payment at the end. When the agreement completes, the car is yours. Monthly payments are higher than on residual-value finance because you are buying the whole car, not deferring a slice of it.
Finance with a final payment
Payments are calculated on the difference between the price and a forecast of what the car may be worth at the end — the final payment. At the end you can pay that sum and keep the car, return it if the conditions are met, or use any equity towards another. The forecast is the lender’s, not a promise from us about the Spanish market.
Questions we are asked in the showroom
- Will this affect my credit record?
- Using the calculator will not. If you later make an application, a lender may consult ASNEF or CIRBE. We will tell you before that happens.
- Do you lend the money?
- No. EPC Motors introduces clients to lenders. We are not the provider of the credit. Put your real regulatory status on the status disclosure page before you trade.
- Can I include a part-exchange?
- Yes. The value we agree for your car can sit as the deposit, or part of it. It is agreed as a purchase price, then applied.
- What should I have ready?
- How long you want the agreement, a deposit you are comfortable with, and a sense of the monthly figure that still feels ordinary in month forty.
Ask for a call
This is a request for a conversation. It is not an application.