Special Autofestival Offer! ​

From 20 January to 28 February, it’s Autofestival! Enjoy exclusive advantages, whether you choose to buy or lease.

  • A preferential rate on the car loan(1).
  • A preferential rate on the green mobility loan with an extended repayment period of up to 7 years, available upon request to your advisor.
  • For an electric vehicle, benefit from a 10% discount on the installation of a home charging station with Electris(5).
  • One month rent offered on leasing for private individuals(3).
Make your online simulation and immediately obtain an estimate for the financing of your vehicle(4).

Already a client? If you have a particular project in mind, go to your Web Banking app to find out your borrowing capacity and apply for a personal loan online. Quick, easy and entirely secure.

Estimate your borrowing capacity

for a future project

Submit your loan application(1)

via your client area

Peace of mind from the comfort of your own home

and at any time

Your car loan application in just a few clicks

Are you looking to buy a new or second-hand vehicle? Calculate your monthly repayments with our online simulator: your car loan(1)(2) is adapted to your personal and financial situation.

  • repayment term: 12 to 60 months;
  • repayment schedule drawn up when the contract is signed according to your budget;
  • fixed rate: regular monthly repayments guaranteed;
  • simple process and fast response times;
  • Choice of monthly repayment date;
  • deduct the interest from your taxes.

Already a client? Log on to the 100% secure Web Banking platform to apply for a loan online.

Not yet a client? Use our simulators or contact us. An advisor will call you back to discuss your project’s feasibility and provide you with a personalised response.

Would you prefer a turnkey solution with all services included? Discover the Private Lease offer.

Heading: An online tool that quickly calculates and validates your car loan amount

femme utilisant une tablette

Valerie has just been hired by a law firm in Luxembourg. To get to her new workplace, she plans to buy herself a new car. In order to budget for her purchase, she wants to calculate her monthly repayments. Thanks to the online simulator in the Web Banking App, Valerie can instantly calculate how much she can borrow. She can adjust the amount and term of the loan she’ll be taking out to suit her needs and financial situation. Once her budget and borrowing capacity have been validated, she can apply for her loan online. She’ll obtain her agreement in principle promptly(2)(3).

Now she can choose and buy the car of her dreams with complete peace of mind.

Did you know? You only pay interest on the amount you use

Request a release of funds for the exact date your new car is delivered: you only start paying interest from this date.

Frequently asked questions about car loans

  • icone faq question
    Who can take out a car loan?

    Car loans are designed for adults seeking to obtain financing for a new or second-hand vehicle.

  • icone faq question
    Is it possible to take out a car loan as a couple?

    Yes, of course.

  • icone faq question
    Can my car loan be paid off early?

    Yes, subject to an early repayment penalty that will be set when the loan agreement is signed.

  • icone faq question
    What are the tax benefits?

    A maximum of €672 in debit interest on consumer loans can be deducted as special expenses per person per tax household each year. Tax deductions relating to insurance premiums are included in this €672 cap.

    Tax deductibility varies based on the personal situation of each client and is subject to change.

Documentation ()

(1)For a loan of EUR 20,000 repayable over 48 months at a fixed interest rate of 4,10 % per annum, you will repay 48 instalments of EUR 452,48 (excluding insurance and application fee). APR Fixed APR: 4,18 % per annum (only available to holders of a Pack and under the condition of a monthly inflow of at least EUR 1500/month on your current account with BGL Paribas).(No application fee for holders of an Exclusive Pack). Total amount due by the borrower: EUR 21.716,49. The examples are provided for information purposes only and cannot be considered a loan offer and/or approval. The Bank is not liable for this example or for any decisions made based on this example. Offer subject to conditions and approval of your application.

(2) You receive an agreement in principle quickly and accessible anytime, subject to receipt and validation of supporting documents.

(3) Discount of EUR 650 including VAT ( i.e. EUR 556 excluding VAT) on the first monthly instalment on a Private Lease agreement. For the discount to be applied, Arval Luxembourg will send an invoice for the first monthly instalment on the lease of a vehicle together with a credit note for the discount amount. For monthly lease payments greater than EUR 650 including VAT, Arval will apply a discount of up to EUR 650 to the first monthly instalment. E.g.: if your monthly lease payment is EUR 450 including VAT, Arval will not charge you anything for the first monthly instalment of your lease agreement. If your monthly lease payment is EUR 700, Arval will charge you EUR 50 for the first monthly instalment, after applying a EUR 650 discount (via a credit note) to your first monthly lease payment (EUR 700-650 = EUR 50). The discount is offered via Arval Luxembourg SA, 2 rue Nicolas Bové L-1253 Luxembourg, RC B57655, as lessor, in conjunction with BGL BNP Paribas S.A, 60 avenue J.F Kennedy L-2951 Luxembourg. This temporary initiative is reserved for retail clients and prospects (living exclusively in the Grand Duchy of Luxembourg) of BGL BNP Paribas SA who take out a Private Lease agreement on a private vehicle with a minimum term of 48 months (Excluding utility vehicles).) Offer only valid until 28/02/2026 inclusive,  This document does not constitute an offer. A lease agreement is dependent upon your application being analysed by BGL BNP Paribas S.A. and approved by Arval Luxembourg S.A., and will always be subject to Arval Luxembourg S.A.’s General Terms and Conditions for Private Leases.

(4) Offer subject to conditions and subject to the bank’s prior approval of your application.

(5) Offer covered by Electris, valid from 20/01/2026 to 28/02/2026, subject to prior acceptance of your application by BGL BNP Paribas S.A. and subject to Electris’ general terms and conditions.