Car Loan

Mercury Credit provides a full range of financing services for vehicles.

Loan Secured by a Vehicle

A loan secured by a vehicle is a type of credit in which the borrower’s vehicle serves as collateral.

Key Conditions:

  • Only the vehicle owner (individual or legal entity) may apply for a vehicle-secured loan.
  • A manual pledge agreement is signed with the vehicle owner, and the vehicle is kept in our secure parking area until the loan is fully repaid - interest rate of 2.0% per month, or 24% per year.
  • If the vehicle remains in your possession, it is registered in our name with the ARK until the loan is fully repaid - interest rate of 3.0% per month, or 36% per year.
  • Loan amount of up to 70% of the vehicle's market value.
  • Loan term of up to 5 years.

Borrower Requirements:

  • Age between 18 and 65 years.
  • Estonian citizen or resident with a permanent residence permit.

Required Documents:

  • Passport or driver’s license
  • Vehicle registration certificate
  • Insurance policy

Collateral Requirements:

  • The vehicle must have been registered with ARK for at least 3 months.

Loan for Car Purchase

Mercury Credit acquires and transfers to the client the vehicle they have selected. Under this agreement, the client gains the right to long-term use of the vehicle for a specified fee, while ownership remains with our company for the duration of the agreement.

Key Conditions:

  • Both individuals and legal entities may apply for a loan for car purchase.
  • Interest rate of 2% per month.
  • Initial down payment of at least 30% of the vehicle’s purchase price.
  • Loan amount for vehicle purchases ranging from €1,000 to €20,000.
  • Loan term of up to 5 years.

Borrower Requirements:

  • Age between 18 and 65 years.
  • Estonian citizen or resident with a permanent residence permit.

Сумма:
10000
Период:
30 мес
Ежемесячный платёж:
* Кредитный калькулятор и график являются примером, для получения точного индивидуального предложения подайте ходатайство

Пример 1

Сумма кредита 3 000 евро, фиксированный интресс 24%, срок возврата кредита 5 лет, всего 60 ежемесячных платежа, дорожная страховка 74,07 евро в год, затраты на переоформление автомобиля 48 евро, ставка затратности кредита 36,79%, сумма возврата всего 5 177,95 евро и общая сумма 5 596,30 евро. Плата за договор отсутствует. Дорожное страхование обязательно.

Пример 2

Залог VW Touran (2003, 77кВт, дизель), дорожная страховка 74,07 евро в год, 6,17 евро в месяц. Государственная пошлина за смену владельца 48 евро.