Public service employees can benefit from preferential rates as part of a car purchase, here is an overview of offers and how to get a loan at a favorable rate.
The auto loan is a financing belonging to the category of consumer credit and which makes it possible to buy a used or new car. As part of a new car, banks advise to opt for the loan assigned, a credit whose receipt of the sum must be justified by an official document such as a quote or a purchase order. It is also a guarantee in case of cancellation of the purchase of the car in concession since the credit is intrinsically linked to the purchase.
The solution for officials wishing to buy a used vehicle from an individual is to use the personal loan, a consumer credit to the free amount and without having to justify the sums. It is more suited to a quick need for credit and especially for the purchase between individuals.
Lastly, more and more public servants are opting for car leasing, financing that is geared towards leasing but which can make it possible to drive in a new and maintained vehicle.
The search for the best rate can be done in two ways, the first being to contact one by one the financial organizations offering car credit offers, taking care to specify the desired amount, the nature of the purchase and the desired repayment period. This will allow to receive as and when offers of credit auto and compare the proposals, which necessarily will be offered at different rates depending on banks and financial institutions.
The second solution is faster, it is to use an online car loan comparator, it allows to file a single application and receive within 24 hours following the best offers on the market for financing car loans. The interest of the comparator is to save time in his efforts but also to solicit organizations at the national level, banks and credit institutions that would not be solicited in normal times. It is important at the time of the seizure to specify its status of civil servant because it also makes it possible to direct the request towards the institutions specialized in the statutes of the civil service.
Public officials can also benefit from special schemes designed for them, particularly through their affiliation, this is particularly the case with loans on preferential terms from the MGEN or the CGOS for example. These conditions negotiated for civil servants are not always so advantageous, so it is necessary to include these offers in the comparison by realizing above all a simulation of auto loan online, this service is completely free and without any commitment for them. consumers. Good to know: a 14-day cooling off period is mandatory as part of a consumer credit offer.