What is the best way to have a car without going over budget?

Choose the best one for you:

Are you unsure whether to subscribe or buy a car?

Evaluating your profile and priorities is the first step to making a smart and economical choice.

With the advancement of mobility models in Brazil, the decision between buying your own car or opting for a subscription is no longer just a financial one — it now involves lifestyle, practicality and even consumer awareness.

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Before deciding, take a look at the main benefits of each option — and understand which one best fits your reality:

You become the owner of the property

You can use and modify the car as you wish.

No IPVA, insurance or maintenance costs

Savings on bureaucracy and time

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How Do You Want to Move? Understand Your Options and Choose the One That Fits Your Budget and Your Life

We live in an era where mobility goes far beyond the idea of “having a car”.

What was once a status symbol is now synonymous with cost, stress and even waste — depending on your lifestyle.

The good news? The options have grown — and with them, your freedom of choice. Buy, subscribe, order or board: which of these transportation solutions best fits your routine, your finances and your goals?

In this guide, we compare the four main ways to get around Brazil today: own financed car, subscription car, transportation apps and the public transport.

Own a Financed Car: The Freedom of Owning, at the Price of Maintaining

Buying a car, especially in installments, is still the most common option for those seeking total independence in terms of transportation. You choose the model, adapt it as you wish, and can use it as many times as you want.

But this freedom comes with a long list of responsibilities and fixed costs.

In addition to the financing portion, there is IPVA, licensing, insurance, fuel, inspections, tires, preventive and corrective maintenance. And don't forget: the car depreciates every year, which impacts its resale value.

Ideal for those who:

Need a car daily.

It values possession and heritage.

Have financial stability to deal with unforeseen events.

Car Subscription: Drive Without Compromise

The model of car by subscription has been gaining more and more space in Brazil. And it's no wonder: it brings together everything a car needs to function (taxes, insurance, maintenance and assistance) in a single fixed monthly fee — and no surprises.

You choose the car, set the monthly mileage and term (usually 12 to 36 months), sign online and have the car delivered to your home. At the end of the contract, simply return it — or exchange it for a newer model.

No down payment, no bureaucracy, no worries.

Perfect for those who:

Want a new car without the burden of buying it?

Values practicality, agility and time savings.

He likes to change cars frequently.

Transportation Apps: Mobility in the Palm of Your Hand

Apps like Uber, 99 and similar have revolutionized the way we travel. They offer mobility on demand, with the comfort of a private car, but without the costs and obligations of ownership.

You don’t have to worry about maintenance, fueling or parking. You only pay for the trips you take — and you can even use coupons, split rides and choose the type of car.

But be careful: If you commute daily or for long periods, the monthly costs can be much higher than those of a subscription or even your own car.

Ideal for those who:

Work from home or travel occasionally.

Live in urban areas with good app service.

Seeks comfort without ties.

Public Transport: Savings Guaranteed with Some Concessions

If your focus is spend as little as possible To get around, public transport remains unbeatable. With affordable fares, integrated lines and wide coverage (in large centers), it is the basis of mobility for millions of Brazilians.

Buses, trains and subways have improved infrastructure, but still require schedule planning, willingness and patience, especially during peak hours or in cities with poor infrastructure.

Ideal for those who:

It has a fixed routine and locations well served by lines.

Want to save as much as possible.

You are willing to give up comfort for economy.

Which Path Takes You Farther?

The best way to get around It's not the most popular one — it's the one that makes the most sense to you. Whether it’s to save time, reduce costs or have more freedom, the secret is to align mobility with reality.

If you value total control and uses the car intensively, buying may still be viable.

If you want flexibility and cost predictability, the subscription may be ideal.

If your use is occasional and you value on-demand comfort, the app is perfect.

If the priority is economy and efficiency, public transport fulfills its role.

If you use your car frequently, for long trips or as a work tool, owning a car may seem advantageous because it has no mileage limits. However, those who only drive occasionally may benefit more from a subscription, with savings on fixed costs. Want to find out which profile best fits each model? Read our full article and see the detailed comparison.

Maintaining a car involves unpredictable expenses that can weigh on your budget. If you are looking for predictability and would rather avoid surprises, a subscription may be the ideal alternative. However, if you have financial reserves and are looking to build up equity, owning your own car may be a good option. Check out the article to find out all the hidden costs of each model before you make your decision!

Subscribing is like having a car on demand: less responsibility, more freedom. Buying, on the other hand, gives you the feeling of ownership and total freedom of use — including the ability to modify the car as you wish. It all depends on what matters most in your daily life. Read the article and find out which option best suits your lifestyle.

Those who like to renew their car every 1 or 2 years tend to like subscriptions more, since they can easily change models. Those who intend to keep the same vehicle for years can consider the purchase as a long-term investment. In the full article, we show which option is more advantageous for different time horizons. Access it now!

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