If you're thinking about changing your car without overspending, Fiat's Giro Financing could be an interesting option in Brazil. The product offers a flexible down payment starting from 20% of the vehicle's value and the possibility of using your used car as a trade-in. Monthly installments are quite low, with payment terms ranging from 11 to 47 months, plus a final payment of 10% to 50% of the financed amount. For those seeking savings and convenience, it stands out for its personalized rates and flexibility at the time of settlement.

Step-by-Step Guide to Applying

1. Choose your desired new or pre-owned Fiat at an authorized dealership.
2. Request a simulation of the Fiat Giro financing with a down payment of 20% or using your used vehicle.
3. Analyze the reduced installments and the most convenient term (11, 23, 35 or 47 months).
4. Check the final installment amount, which can vary from 10% to 50% of the total financed.
5. Wait for the credit analysis and, if approved, sign the contract to pick up the car.

Main Positive Points

The Fiat Giro loan offers advantages such as not requiring a large down payment and guaranteeing small installments at the beginning of the financing, making financial planning easier.

Another important advantage is the possibility of using your old car as a trade-in, reducing the down payment and making the purchase of a brand new car more affordable.

Main Negative Points

The major drawback is the final installment, which can be high, reaching up to half of the financed amount – thus, planning is necessary to avoid surprises.

Furthermore, customized rates and terms require attention to ensure that the total amount paid does not end up being disadvantageous compared to traditional financing.

Verdict

Overall, Fiat's Giro Financing is suitable for those who want easy approval, savings on initial payments, and don't have a large down payment. However, it's crucial to assess whether, in your specific case, the final payment and conditions truly make it worthwhile compared to other financing options.