Itaú Finances Your Dream on Four Wheels: See How Vehicle Credit Works.

Discover how Itaú vehicle financing can help you acquire your car easily and safely.

Owning a car goes beyond comfort: it's freedom, practicality, and, in many cases, a necessity for work and personal life. In Brazil, where car prices are high and most families' incomes are tight, resorting to a vehicle financing is a practical and viable solution.

If you are thinking about buying a car and want to avoid financial traps, it is worth knowing the options offered by Itaú Bank, one of the most solid and innovative institutions in the country when it comes to automotive credit.

Itaú-Financiamento-de-Veículos
Itaú Vehicle Financing (Photo: Reproduction/Itaú)

This article is the first part a complete guide to Itaú vehicle financing. Here, you'll understand how it works, what the real benefits are, how it differentiates itself from the competition, and why so many people trust Itaú when financing a car.

Adverts

In the Part 2, you will see the step-by-step process for hiring, which documents are required, how to increase your chances of approval and how to do everything online.

Why is Itaú Vehicle Financing a Good Choice?

Itaú is a reference in the Brazilian financial market, and when it comes to financing, it offers differentiated conditions for those looking for security and agility.

LEARN MORE >>>

✅ Benefits that make a difference:

  • Competitive interest rates in the market
  • Customizable installments with flexible terms
  • Adjustable down payment according to your budget
  • 100% digital or in-person service
  • Partnerships with dealerships and authorized stores
  • Credit analysis in just a few minutes

Emphasis: Itaú has one of the fastest credit approval and release systems on the market!

How does financing work at Itaú?

Itaú vehicle financing works through a specific credit line, where the bank releases the amount needed for you to buy the chosen car, and you pay this amount in monthly installments.

You can choose:

  • The input value
  • The number of installments (up to 60 times)
  • The ideal due date
  • The type of financing best suited to your profile

All of this can be simulated directly on the Itaú website or app, with complete transparency.

Types of Vehicles That Can Be Financed

With Itaú, you can finance:

  • New cars
  • Used cars
  • Commercial vehicles
  • Motorcycles

Observation: The vehicle must meet basic criteria regarding year of manufacture, condition and have up-to-date documentation.

⚙️ Itaú Financing Modalities

The bank offers different options, depending on your profile:

1. CDC (Direct Consumer Credit)

Most popular option. The car remains in your name, but is transferred to the bank until the car is paid off.

2. Leasing

When leasing, the car only passes into your name at the end of the contract.

3. Partnership with dealerships

Direct financing in partner stores, with exclusive conditions and faster release.

How Does Credit Analysis Work?

Before approving financing, the bank analyzes your profile, taking into account:

  • Proven monthly income
  • Credit history and score
  • Entry fee
  • Financial stability
  • Relationship with the bank

Tip: The larger your down payment, the lower the interest rates tend to be and the greater your chances of approval.

Online Simulation and Process Agility

You can do everything without leaving home:

  1. Access the Itaú website or app
  2. Make a quick and free simulation
  3. See how much you can finance
  4. Send documents digitally
  5. Sign the contract electronically
  6. Receive confirmation and pick up your car

In many cases, the entire process takes less than 24 hours!

️ Why Trust Itaú?

In addition to being one of the oldest and most reliable banks in Brazil, Itaú offers:

  • Cutting-edge technology
  • Various service channels
  • Highly functional application
  • Simulation and hiring 100% online

What Will You See in Part 2?

Now that you understand how vehicle financing works at Itaú, the next step is to find out how to best apply for it.

In Part 2, you will learn:

  • How to do the ideal simulation
  • What documents are required?
  • How to increase your chances of approval
  • Tips for choosing the best modality
  • Guidelines for self-employed and independent professionals.

LEARN MORE >>>