Do you need to buy a new vehicle ?
Benefit from a Personal Car Loan at a very attractive rate.

With our Personal Car Loan, benefit from advantageous financing.

Car Loan in a nutshell : a financing offer tailored to your needs.

Benefit from a Personal Loan for financing your car(1) no administration fees or down payment required.
The Car Loan is a personal loan to finance the purchase of a vehicle, either new or used, under 7 years old.

Financing and insurance- an all-in-one package !

  • Benefit from an all-in-one package for your vehicle : financing + insurance
  • With AXA Car Loan, opt for full assistance
Ask for a quote

A fixed amount depending on your purchase

  • The Car Loan amount can be from €3,000 to €90,000 for a new or used vehicle (under 7 years of age).
  • This amount enables you to finance all or part of your vehicle: you are not required to provide a down payment for your loan to be granted.

Tailored repayment

  • You can repay your loan in a period of 12 to 84 months for a new or used vehicle under 7 years of age.
  • The rate mentioned on the agreement is fixed throughout the loan repayment term.

You remain in control of your monthly instalments at all times.

  • When taking out your loan, decide with your usual AXA contact the repayment term so that it is in accordance with your budget.
  • Choose the direct debit date which suits you best.
  • Opt for the early repayment all or part of your loan in accordance with regulations in force.
  • You have the option to defer up to two non-consecutive monthly instalments (principal, interest and insurance if applicable) per year, subject to acceptance by the lender AXA Banque Financement.

Would you like an accurate assessment of the loan you need ?

  • How much you can borrow ?
  • The amount of your future instalments ?

Loan-related insurance

If you are under 65, you can take out optional insurance guaranteeing the payment of monthly instalments due in the event of :

  • death,
  • total and irreversible loss of independence,
  • inability to work.

As of 01/01/2014, optional loan insurance for a personal loan covers death, total and irreversible loss of independence and the inability to work, for €10.50 per month for a €15,000 loan.


(1) Personal Loan offer by AXA Banque, subject to acceptance by AXA Banque Financement, the lender. You are entitled to a legal withdrawal period. AXA Banque reserves the right to withdraw this offer at any time.

Answers to your questions

What purchases can I make with AXA's Personal Car Loan ?
AXA's Personal Loan is a Personal Loan to finance a new or used vehicle under 7 years old.

What is the APR ?
The Annual Percentage Rate of Charge (APR) is the annual interest rate that you actually pay for your loan. It represents the loan cost expressed as a % and includes all loan-related costs (interest, management and administrative costs). It is the best reference for you to compare several consumer loans.

Why should I choose AXA to finance my car ?
Do not hesitate to compare the APR and characteristics of the loan- namely in terms of flexibility- with other offers: you will be able to see that AXA's offer is very attractive !

I also need to finance my driving license: can AXA help me ?
If you are between 16 and 25 years of age, AXA offers "one euro per day license".

How do I choose the repayment term ?
You can estimate your debt capacity based on your expenses and income. You can also set the repayment term of your loan. To find the ideal term based on your situation, carry out a simulation. You can therefore measure the impact in extending or reducing your repayment term.

How soon will I get the funds ?
Count eight days after signing the consumer loan agreement (subject to acceptance by the lender).

Can I repay my Personal Car Loan in advance ?
You can make a total or partial repayment of your loan, in accordance with the regulation on consumer loans in force.

How long does it take to get an answer on my loan application ?
Your AXA advisor can give you a tentative agreement. In this case you will get a mail, within 48 hours, with the complete consumer loan agreement corresponding to your request. Sent it back with your signature and the required supporting documentation and, upon receipt, you application will be reviewed.

Why is there a 14 calendar day withdrawal period ?
This period is required by the law for your protection. You have the right to revoke and renounce your acceptance of the consumer loan agreement within 14 calendar days from the date of acceptance of the offer.