What Automotive Financing Model should you choose to manage your fleet?!

26 Jun, 2017 07:50


In view of the financial variations in the automobile market, several Automobile Financing options (Automobile Financing Model) have appeared in the market, which facilitate the use of cars by many fleets. These options, which are alternatives to the acquisition of vehicles, by companies or individuals that do not have the financial margin to acquire them.

Mas antes de tomar uma decisão, conheça os principais Modelos de Financiamento Automóvel: Leasing, Renting, ALD ou Fleetsharing!

But before you make a decision, know the top Automobile Financing Models: Leasing, Renting, ALD or Fleetsharing!



In the last years the Leasing Automobile has gained a greater number of adepts, since its financial conditions are adapted to the needs of each fleet, through the final residual value of the contract. This is a long-term rental option (with an option to purchase), whose customer has a fixed monthly rent, which includes the vehicle's value, VAT, commissions and interest rate in force. At the end of the contract, the customer has the option to purchase the car by paying the residual value, changing the vehicle, or returning it.


  • More affordable financing option (Lowest Interest Rates)
  • Exemption from Stamp Duty on the opening commission and interest
  • 100% financing
  • Flexible and adapted to each fleet
  • Tax benefits for companies
  • Termination of contract at any time


  • The customer is responsible for the maintenance and repair costs of the car
  • Obligation to carry out Damage Insurance during the contract period
  • The commissions of total liquidation of the car leasing are superior to other models of auto financing


Less known than Leasing, Renting is considered an Operational Vehicle Rental Modality, in which the rental agency gives the customer the use of the car (by means of a realistic forecast of the kilometers it will carry out), for a certain period of time and payment of a fixed monthly income. In addition to allowing the customer to contract a package of extra services, namely: Personal Damage Insurance, Tire Management, Periodic Inspections, Tax Payment and Accident Management (if applicable).


  • The rental company finances the car and all associated services
  • Tax benefits for companies
  • No impact on cash flow (payments deducted from operating expenses)


  • Not the best option if you want to buy the car


Like the previous options, the rental agency gives the customer the use of the car for the payment of a fixed monthly rent, but this must be acquired at the end of the contract for the residual value defined. Reason for which, the contract made is a Promise of Purchase and Sale.


  • More affordable financing option (Lowest Interest Rates)
  • Flexible and adapted to each fleet
  • 100% financing
  • Tax benefits for companies


  • Obligation to purchase the vehicle at the end of the contract
  • Obligation to carry out Damage Insurance during the contract period
  • The Interest Rates are higher than in the Leasing Model


Intended for companies with their own fleet, Fleetsharing is, as the name implies, a system for sharing a company's vehicles through a Technological Application. It is dedicated to the management of commercial operations of carsharing, through a pool system (rotation), which covers a number of vehicles that are not assigned to any user and are used as required.


  • Reduction of the total cost of ownership of each vehicle
  • Elimination of administrative and operational tasks of fleet management
  • Ease of online fleet management (reservations, access, damages, fines and claims are made automatically by users)
  • Fleet available 24 hours a day, 7 days a week, 365 days a year
  • Possibility of extending the use of the fleet on a professional or personal basis
  • Real-time analysis of available vehicles by model or location


  • Unidentified

Now that you know the main Automotive Financing Models, you can choose the one that best suits your needs and Effort Rate by making several SIMULATIONS available online!

What is the best SOLUTION for your FLEET ?! Give us your opinion😉

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