Access credit using your vehicle as collateral
Fast credit line with reduced rates and simplified contracting. The vehicle remains yours and you use it normally while paying.
How Vehicle-Backed Credit Works
Quick Simulation
We calculate the credit limit based on the FIPE Table and credit profile.
Credit Analysis
The bank analyzes the client's documentation and operational viability.
Digital Inspection
Vehicle inspection process done quickly, often through photos (digital).
Signing and Release
Formalized contract and amount released directly into the checking account.
Known as vehicle refinancing, this modality uses your paid-off or financed car as collateral in a credit operation with much fairer rates than off-the-shelf bank options.
Main uses for Vehicle-Backed Credit
- Financial reorganization (exchanging expensive debts for a cheaper option)
- Express working capital for small entrepreneurs
- Home or company renovations and improvements
- Travel, exchange programs, or study payments
- Investment in your own business structure
Requirements for contracting
Perspec helps you prepare all the documentation quickly. Check the conditions required by banks:
- Over 18 years old
- Vehicle in the applicant's name
- Passenger vehicles or fleets (usually up to 17 years old)
- Regularized documentation (vehicle taxes, fines, licensing)
Structured Credit Consulting
Perspec's differential in this market is agility. We partner with the largest securitization companies and banks focused on this corporate and individual segment, ensuring express approval flows and rates.
Advantages of this operation
Attractive rates
Because of fiduciary alienation, the interest rate drops compared to conventional loans.
Up to 90% of car value
Higher credit limit released based on the FIPE Table.
Up to 60 months
Longer terms create installments that fit the client's pocket.
Normal use
The vehicle remains at your disposal; only the restriction remains on the documentation.
Turn plans into extraordinary achievements.
We offer a higher value-added service, delivering a complete credit viability study, guiding the client to close the financing with the institution that offers the best conditions.
FAQ — Vehicle-Backed Credit
Fiduciary alienation is the registration at the DMV informing that the vehicle is tied to a financing contract. You retain full ownership and possession, using it freely.
Not at all. The vehicle stays entirely with you.
It depends on the FIPE Table valuation of your vehicle and your credit profile with the bank. It can reach up to 90% of the FIPE Table value.
Yes. The operation can be structured both as a Corporate Entity (using company cars) and as an Individual.
Being a highly digitized process, approval can happen in 24 hours and the money within 48 hours after all signatures and inspection.