Car financing for retail customers

Couple Captur

From standard loan to personalized flexible leasing

RCI Bank and Services provides car financing offers adapted to retail customers needs. Customers choose the new or used vehicle that suits them, and we offer a personalized financing solution through an omnichannel customer experience – both digital and in car dealerships.

Standard loan

At RCI Bank and Services, our standard car loan helps customers acquire new and used vehicles.

It is aimed at Renault-Nissan-Mitsubishi Alliance brand customers who wish to own their new car or buy a used vehicle, and who need to finance their purchase, with or without a down payment.

Infographic on standard loan

Leasing with purchase option or credit with buyback

If customers are looking for more flexibility, these two kinds of offer are best suited to their needs.

These options allow customers to drive a new vehicle for the period of their choice, with the option to keep it at the end of the contract.

At the end of the contract, customers can either renew the lease and leave with a new vehicle, keep the vehicle by paying the last installment (purchase option), or simply return it to the dealer.

Infographic on leasing with purchase option

Private lease and flexible leasing

Private lease allows our customers to drive a new vehicle, in return for a monthly payment and without a down payment.

This product is suitable for customers who want to change vehicles regularly, without worrying about the resale conditions.

Private lease and flexible leasing (with buyback) provide freedom. For instance, customers can change car model without additional fees après 6 months of lease (Renault Pass) or rent a vehicle for a minimum duration of one month with no engagement (car subscription).

Infographic on flexible leasing