Caja San Rafael offers attractive pre-owned car credit, ideal for those looking to purchase a vehicle with flexible and accessible financing. This option stands out for covering from 30% to $500,000 MXN, allowing up to 85% of financing on the value of the car. Another notable point is the fixed annual interest rate of 18%, ensuring predictable payments during the term of the loan.

The period can extend from 6 to 84 months, depending on the amount requested and the car model. To apply, proof of income, official identification, proof of domicile, report from the Credit Bureau and at least one year of employment seniority are required. Furthermore, it is mandatory to provide a 15% and take out vehicle insurance.

Step by step to apply for credit

1. Fill in your pre-request and calculate your payment plan in your online simulator.
2. Gather your documents: official identification, proof of income and residence, Buró report and insurance policy.
3. The Caja San Rafael branch will contact you through its official channels to begin the process.
4. Wait for the credit evaluation, where your payment capacity will be analyzed.
5. Receive the approval and make the payment to formalize your credit.

Main advantages

One of the biggest advantages is the flexibility of terms and amounts, which allows you to adjust monthly payments to different financial capabilities. Another benefit is that all car brands, lots, agencies and private sellers participate.

You also have the option to choose and finance car insurance, as well as make advance payments without penalties, which adds peace of mind and adaptability to the process.

Disadvantages or points to consider

Credit for semi-new cars requires formal proof of income and good credit health, which is why it is not ideal for those who do not comply with these requirements. Furthermore, the minimum payment of 15% for hook-up can be a barrier for some buyers.

Also, the moratorium interest rate for late payments is high, reaching 48% annually, so it is essential to be punctual with payments to avoid extra charges.

Final verdict

Credit for used cars from Caja San Rafael is a recommended option for anyone looking to buy a used car and need convenient financing. If you meet the requirements and are interested in a fixed competitive fee, it is a very solid alternative whose application process is clear and simple.