Buying a zero-kilometer car is one of those dreams that almost everyone has had. The smell of a new car, the impeccable paintwork, the engine without any wear or tear... it all enchants! But when it comes to financing, many people get stuck, thinking they'll pay absurd interest rates or that banks don't offer good opportunities.
The good news? Financing a new car in 2025 will be much more affordable, and several banks are competing to offer more competitive rates. With information, planning and the right strategies, you can get great conditions - and without breaking your budget.
In this complete guide, you'll find out:
Where are the lowest interest rates?
Which banks offer the best advantages
How much you actually pay in total
Tips for saving thousands of dollars on your mortgage
Mandatory documents
✔ Take care before signing the contract
Let's go?
Why Do So Many People Prefer to Buy a Zero Car? 🚗✨
Before talking about banks and rates, it's worth understanding why the zero car is still the most desired.
➡ Factory warranty for a few years - This reduces unexpected maintenance costs.
➡ Reliable 100% history - You know exactly how the car was used (because only you used it).
➡ Latest technology - Sensors, safety, fuel economy, connectivity... all new.
➡ Greater durability - Ideal for those who want a car that will last for many years.
And of course... there's that unique feeling of being the first owner.
But all this comes at a price - literally. That's why choosing a good financing rate is essential if you don't want to pay much more than you have to.
The Banks With the Best Rates for Zero Car Financing in 2025 💰
We've selected three institutions that are doing very well in 2025. Each one has its own distinctive feature - see which one best suits your profile.
🚀 Itaú - The Low Rates Champion
Itaú remains the leader when it comes to competitive rates.
Rates from: 1.29% per month
Highlights:
Special conditions for electric and hybrid cars
Extra benefits for existing customers
Fast and transparent process
The point is that they finance up to 80% of the value - In other words, you need to have a sizable down payment.
📌 Santander - The Most Flexible on the Market
If you need to finance with no down payment or almost no down payment, Santander is one of the most affordable.
Rates from: 1.39% per month
Important advantages:
Financing of up to 100% the value of the car
Super-complete online simulator
Seasonal promotions with even lower rates
Up to 60 months to pay off
Great for those who are buying their first car or don't have a lot of money for a down payment.
🔒 Bradesco - The Fastest and Most Reliable
Bradesco doesn't have the lowest rate, but it stands out for its agility.
Rates from: 1.99% per month
Strong points:
Fast approval (in some cases, the same day)
Finance up to 100% of the car
Large service network
More personalized service
Ideal for those who don't want to get bogged down.
Real Simulation: How Much Do You Pay at Each Bank? 📊
Let's simulate the purchase of a R$ 80,000, funded in 48 months.
✔ Itaú - 1.29% p.m.
➡ Approximate share: R$ 2.150
➡ Total paid: R$ 103.200
➡ Interest: R$ 23,200
✔ Santander - 1.39% p.m.
➡ Approximate share: R$ 2.180
➡ Total paid: R$ 104.640
➡ Interest: R$ 24.640
✔ Bradesco - 1.99% p.m.
➡ Approximate share: R$ 2.350
➡ Total paid: R$ 112.800
➡ Interest: R$ 32,800
💡 Real economy: Just by choosing Itaú over Bradesco, you save almost R$ 10,000.
How to Get the Lowest Rates? 5 Powerful Strategies 💡
- Organize your financial life
Keep your accounts up to date and show stable turnover.
- Increase the entrance fee
Banks love low risk - and that means lower interest rates.
- Use your relationship with the bank
Long-standing customers get better conditions.
- Search on Black Friday, New Year's Eve and fairs
At these times, car manufacturers and banks run aggressive promotions. - Compare financing vs personal loan (CDC)
In some situations, CDC can be cheaper than car financing.
In some situations, CDC can be cheaper than car financing.
Warning: The Lowest Rate is Not Always the Best Option 🚨
What really matters is CET - Total Effective Cost, which includes:
- Interest
- IOF
- Administrative fees
- Built-in insurance
Sometimes the rate is low, but the bank pushes insurance and fees that make everything more expensive.
💬 Golden rule: Only accept what you really need.
Other Ways to Buy Your Zero Car 🔄
If you don't like financing, consider it:
Consortium
Lower interest rates, but requires patience to be contemplated.
Automakers' financials
Volkswagen, Chevrolet, Ford, etc.
They may have very interesting promotional rates.
Credit unions
Fees generally below traditional banks.
Loan with collateral
If you own property, you can get very low rates.
Documents required for financing 📋
Separate before going to the bank:
- ID and CPF
- Updated driver's license
- Proof of income (last 3 months)
- Proof of residence
- Recent bank statements
- Income tax return (if you have one)
If you are married, your spouse's documents are also required.
Beware of “Too Good To Be True” Offers ⚠️
Guaranteed approval
⚠ Very low rates for people with credit cards
⚠ “No consultation with SPC/Serasa”
These are classic signs of a coup.
Always check that the company is authorized by the Central Bank and has a valid CNPJ.
Finance or Join To Buy in Cash? 🤔
It depends on your profile:
If the rates are low → it may be worth financing.
✔ If you get a good discount upfront → bundling can be better.
If your money is earning more than the financing rate → invest and finance.
If you want the car now → financing could be the way to go.
There is no single answer - there is what makes sense for your reality.
Our Final Recommendation 🏆
After analyzing all the conditions, here's the summary:
🔥 Lower rate: Itaú
🔥 Financing with no down payment: Santander
🔥 Faster approval: Bradesco
But remember: each case is different.
Compare, ask, simulate and negotiate - this makes a huge difference to the total amount paid.
Conclusion: Your Zero Car is much closer than you think 🚗✨
With planning and information, financing your zero car in 2025 can be a smooth - and even economical - experience.
Research calmly, compare CETs, organize your documents and know exactly how much you can afford.
And remember: a car is a dream, but it's also a responsibility. Avoid committing more than 30% of your income and always keep a reserve for unforeseen events.
Good luck with your achievement! May your new car arrive very soon! 🚘
Frequently Asked Questions (FAQ)
Can I change banks in the middle of the loan?
Yes, through portability. Compare the rates to see if it's worth it.
Can I pay it off early?
And you get a discount on future interest.
Do I need a guarantor?
Not always. It depends on your income and your history with the bank.
Can I finance accessories with the car?
Some banks allow it, but it can make the CET more expensive.
How long does approval take?
Between 2 and 7 working days - digital banks can release within 24 hours.
