Itaú's vehicle financing stands out for its fully digital process. Applications can be made directly through the app, speeding up access to credit. Analysis is quick and approval is usually within minutes for account holders, and it boasts rates considered among the lowest in the segment. Customers can choose between financing with or without a down payment, terms of up to 60 months, and flexible installment options.

How to apply: step by step

• Access the Itaú app.
• In the menu, select “Vehicle Financing”.
• Create a personalized simulation.
• Send your information and sign the contract through the app.
• After approval, the funds are released directly to the chosen seller.

Main advantages

One of the biggest advantages is the online 100% process, eliminating the need to visit the branch. Paying installments in advance and changing due dates is simple through the app, increasing flexibility.

Fast pre-approval and special conditions for account holders are also noteworthy. Customers also benefit from discounts on insurance and can postpone up to two installments in cases of financial need.

Points to note

Despite the benefits, Itaú financing involves a rigorous credit analysis. Those who are not account holders may encounter additional steps and timelines for approval and monitoring of their application.

Other points to consider are the restrictions on the type of vehicle that can be financed and the need to submit all documentation through the app, which may require extra attention.

Verdict

Itaú's vehicle financing represents one of the most modern and practical offers on the market, especially for those who value speed and convenience.

It's a relevant option for customers who already have an account with the bank and are looking for competitive rates, a good digital experience, and extra benefits when signing up.