Explore financing options, personalise your desired CUPRA vehicle and have it delivered to you.
A convenient way of becoming a CUPRA owner. Pay for your vehicle in instalments.
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Easy and intuitive – from start to finish.
Choose the duration of your payment plan.
Choose an optional initial payment.
Make it yours only, from the wheels to the motor.
Enjoy smoother cash flow with fixed interest rates.
Keep the vehicle or choose a different car.
Choose and configure your CUPRA vehicle.
Decide on the initial payment amount and term length.
The remaining amount owed is divided evenly across the agreement's duration.
After successfully fulfilling all payments, the vehicle becomes all yours.
Get an electric car, e-HYBRID or standard CUPRA car model on finance.
3 versions
With Auto Credit (also known as PCP in some markets) and Classic Credit, the bank remains the owner of the vehicle until the final instalment is paid. It also keeps the vehicle's registration document. With the payment of the final instalment, you become the sole owner and receive the vehicle registration document.
The interest rate for Auto Credit and individual loans is set at the beginning of the contract term and remains the same over the entire period.
Both the Auto Credit and the Classic Credit are generally referred to as balloon financing. With balloon financing, you have little or no down payment and low monthly payments over the entire term of the contract. The closing instalment is correspondingly higher. Balloon financing is especially suitable for you if you cannot raise a large amount at the moment but expect higher financial resources in the future and would like to benefit from higher monthly liquidity.
With Auto Credit, you also have the option of returning the vehicle to your preferred CUPRA partner instead of paying the final instalment. This flexibilty makes the Auto Credit an attractive option.
If you would like to have a low monthly instalment, you can do so by paying a higher down payment at the start of the contract. This reduces the total charge to be paid right at the beginning, which has a positive effect on the level of individual instalments.
If you lack such financial means at the outset but expect to have them in the future, balloon financing is the best type of financing for you. This financing type offers low monthly instalments and a higher final instalment. You can find more information in the following section about Balloon Finance.
Both the Auto Credit and the Classic Credit are generally referred to as balloon financing. With balloon financing, you have little or no down payment and lower monthly payments over the entire term of the contract. The closing instalment is correspondingly higher. Balloon financing is especially suitable for you if you cannot raise a large amount at the moment but expect higher financial resources in the future and would like to benefit from higher monthly liquidity.
With Auto Credit, you also have the option of returning the vehicle to the delivery CUPRA partner instead of paying the final instalment. This makes the Auto Credit attractive and flexible.
As a general rule, you can trade in your current vehicle and use the profit to pay part of the financing for your new vehicle, such as the down payment at the beginning of the contract period. Depending on your down payment amount, you can lower the monthly payments. Ask your CUPRA partner about this option.
You can choose freely from the entire range of configurable options and models from CUPRA, creating your own personalised dream car.
Upon accident resulting in a total loss or theft, the optional CUPRA purchase price protection protects you, regardless of whether it is caused by a third-party or self-inflicted. The purchase price protection reimburses you for the difference between the original purchase price and the replacement value of the vehicle. If you have fully comprehensive insurance as part of the contract, the purchase price protection also covers the excess. Therefore, the purchase price protection provides you with peace of mind in the event of such a situation.
With a Classic Credit, you pay the contractually agreed final instalment at the end of the contract period, whereby you become the owner of the vehicle. In this case, the residual value of the vehicle is irrelevant, as it becomes your property in any case.
With Auto Credit, you have a securitised right of return, which is issued to you by your CUPRA partner. You may also return the vehicle to your partner at the end of the contract period. Upon choosing this option, the process is very similar to that of leasing. In this case, your CUPRA partner bears the risk of used vehicles, but the residual value does not matter to you as a customer. If you choose to continue financing the car, you may conclude a new contract to finance the final instalment (creditworthiness required). At the end of the contract period, the vehicle becomes yours when you pay the final instalment in full, and you then become the legal owner.