Crédit automobile : des solutions multiples en neuf et occasion

En neuf ou en occasion, les formules de financement d’une automobile sont multiples. Du prêt personnel au prêt affecté en passant par la location avec option d’achat ou le « pack auto », le crédit automobile se décline selon les besoins.

Selon que vous allez acheter une voiture neuve ou une voiture d’occasion, les formules se différencient. Dans tous les cas et pour toutes les formules, les crédits automobiles sont tous régis par la même loi à savoir celle édictée dans le cadre du code de la consommation. Ceci implique que le contrat doit suivre un certain formalisme avec notamment l’obligation d’indiquer le TEG (taux effectif global) du prêt consenti, le montant de l’achat, un délai de rétractation…

Les crédits pour les automobiles neuves

Le crédit affecté est souvent privilégié pour l’achat d’un véhicule neuf. Qu’il soit proposé par la banque ou par le concessionnaire, le crédit affecté protège l’acheteur puisque l’argent ne sera débloqué que lorsque la voiture sera livrée. En effet, le crédit affecté indique par contrat la destination de l’argent prêté et c’est la banque ou le partenaire bancaire du concessionnaire qui paie directement le concessionnaire sur fourniture d’une facture.

Outre le crédit affecté, pour un véhicule neuf la formule de la location avec option d’achat (LOA) est également couramment proposée par les concessionnaires. Dans ce cas, la société de leasing s’occupe de régler le montant de l’achat pour le particulier. Ce dernier va ensuite être locataire de son véhicule. Il va donc payer chaque mois l’équivalent d’un loyer dont le montant est défini par contrat. Au bout d’un certain nombre de mois (24 ou 36 mois le plus souvent), le locataire pourra lever l’option d’achat et devenir propriétaire de son véhicule pour une somme modique correspondant à la valeur résiduelle du véhicule.

Les crédits pour les automobiles d’occasion

Pour les automobiles d’occasion, le choix se restreint au crédit automobile qui n’est autre qu’un crédit personnel classique et aux offres de type « pack auto ». Pour le crédit classique, l’interlocuteur principal est la banque. Le crédit n’est pas affecté à l’achat de la voiture ce qui implique qu’en cas de pépin de livraison par exemple, l’emprunteur devra tout de même rembourser ses mensualités.

Le crédit automobile n’étant ni plus ni moins qu’un prêt personnel, il a pour caractéristiques d’être d’une durée supérieure à 3 mois et d’un montant compris entre 70 et 20 000 euros. Les « packs auto » sont des nouvelles formules sur le marché de l’occasion. Il consiste en une offre « tout en un » comprenant le plus souvent une solution de financement avantageuse (crédit automobile à taux préférentiel), une assurance, la maintenance de l’auto et parfois, une extension de garantie constructeur. Ces « packs auto » sont de plus en plus proposés par les concessionnaires ou les compagnies d’assurance selon des formules qui peuvent être extrêmement variables.

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