Eska Finance / Services / Loans / Car loan

Car loan

loans for used cars | down payment from 10% | available to everyone
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    Price EUR
    Down payment size
    min: 10% 10 max: 70%
    Financing term
    min: 12 month 12 max: 60 month
    Car loan
    0euros Your monthly payment
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    Hassle free online car loan

    Easy and fast: get approval for a car loan in minutes with our fully online application. No salary slips or proof of income required.  

    For everyone: private entrepreneurs and companies, starters and business looking to expand. Bad credit history, no credit history, immigrants, foreigners – you get a chance. We look at the client – not just the credit history.

    Every age: we offer loans for new and used cars up to 12 years old from €5000 to €200 000. 

    Everywhere: choose any car from any dealer or seller from any EU country. We take care of the rest – technical and document check of the vehicle, delivery and financing.

    Leave us a message or apply for financing your car now.

    Financing conditions Car loan
    Car loan
    starting business, no credit history, bad credit history - you get a chance
    Car loan
    15 MINUTES
    for a credit decision
    Car loan
    down payments starting from 10%
    Car loan
    we deliver your car within 3 days
    Car loan
    up to 12 years old
    Car loan
    of cars across the EU
    OUR PROMISE Car loan
    Car loan

    Apply for a car loan online - its quick and simple. We approve your loan application in minutes. And we will finance your car as quickly as the next business day. ESKA Finance offers affordable car loans for everyone - foreigners, immigrants, startups. We promise to finance your car regardless of the circumstances: immigrant starting a business or developed company looking for expansion, starting entrepreneur or personal needs to commute, bad credit history or good credit history. We cover all mobility issues. At ESKA Finance you will be able to get a loan for a car hassle free and in minutes.

    15 minutes
    Our simple application process is fast and simple. It takes minutes
    3 days
    We promise to finance and deliver your car in 3 days max from application day
    Any car in EU
    You can choose any car from any dealer - we will finance it
    Friendly and accessible
    We finance micro and small businesses; entrepreneurs with minimal income, new companies, or companies owned by foreigners and immigrants
    Better profits
    We are focused on second hand car loans. They are cheaper than new and do the job leaving you with more profit
    Independent technical check
    You can safely find a car outside of your local range - we do an independent technical and document check and delivery from all over EU
    Car loan
    With us, you don't have to fill out a bunch of forms and applications — we focus on small and micro entrepreneurs, which is why we offer the fastest service. You can sign the contract with us online, without leaving your home.
    Car loan
    Benefits of financing from ESKA Finance Car loan
    The approval process takes an average of 15 minutes, the conclusion of the contract does not take more than 2 hours
    Car loan
    Find your dream car
    You can find your ideal car on our web site or ask our manager to help you
    Car loan
    Fit to your budget
    Our monthly payments are transparent - you can find the right car with the right monthly payment
    Car loan
    Fully online
    Receive your loan offer, credit decision and sign your contract online
    Car loan
    We help you with technical check, document check and organise the delivery of your car
    Car loan
    Fast start
    Within 3 days we finance and deliver your car ready for use
    Car loan
    Your future is in your hands
    Start earning income with your car tomorrow
    Compare Car loan Car loan
    Eska Finance
    Credit decision time
    15 minutes
    2 to 14 days
    14 to 60 days
    Official income verification
    Car age limit
    up to 12 years
    up to 5 years
    up to 3-5 years
    Early repayment without penalties
    Car location
    All EU
    Local country
    Local country
    Car delivery time
    Up to 5 working days after down payment
    Up to 2 weeks after down payment
    Up to 3 weeks after down payment
    Fill in the application form

      Company or name
      Subject of leasing (or link to announcement) / purchase of bonds
      Frequently asked questions Car loan

      Why is ESKA Finance different from my bank?

      First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.


      Who can get a loan for used vehicle from ESKA Finance?

      We can offer a financing for used vehicle for everyone. If you are starting your business, if you are growing your business, if you were rejected by local bank or leasing company – we have a financial solution for you with a monthly payment that will meet your budget.


      How does ESKA Finance work?

      ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!


      Can I get a loan or leasing for a commercial vehicle to work in a taxi or Uber/Bolt?

      Yes, we provide loans and leasing for vehicles that will work as a taxi.


      How soon can I drive my car?

      It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

      If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.


      I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

      Yes, we offer such an opportunity.


      Who can be a supplier in a leasing deal?

      The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.


      Can I pay off my loan or leasing early?

      Yes! There are no penalties for early repayment.


      What is the payment schedule?

      It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.


      Can I extend the leasing term for a car?

      Yes, you can. We will prolong your contract on the same terms.


      Do I need to show proof of income?

      No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.


      Can I get leasing from you if I already have loans from banks or other leasing companies?

      Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.


      What is the maximum leasing term?

      The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.


      Can I buy used machinery or a car in Germany and get a loan in Slovakia?

      Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.


      Are used machinery and vehicles financed on the same terms as new ones?

      We offer individual terms for leasing new and used machinery and vehicles.

      Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.


      What are the criteria for used machinery and vehicles?

      Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.


      Is leasing available for individuals?

      Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.


      In which countries do you operate?

      ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.


      What documents are required?

      To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

      ESKA Finance offers affordable car loans to everyone. We know that finding a right car is a difficult process. And it is even more difficult if you want to receive a loan to buy a used car abroad. Cross border car loans are not typical. ESKA Finance offers cross border car loans in EU for everyone. We have created flexible car loan programs for every situation. Our managers are always here to help you with your used car loan and with helping to find the right car for your needs. We finance new and used cars for general private and business needs. We have specific car loan programs for taxi companies or private drivers. Designated car loan programs for delivery business are vey popular among our clients.

      With us car loan is easy – application form is simple, intuitive and fully online,

      With us used car loan is quick – minimum documents, minimum loan application steps, immediate credit decision and our managers are always online to help you. They speak your language, listen to your story and try to solve your specific needs for a car loan.

      With us used car loan is affordable – we offer second hand car loan for cars up to 12 years old. You will be able to find a car with the monthly payment that fits your budget.

      To get a car loan for a new or used car you need to makes three steps: apply for a car loan online or through your car dealer. Application for a car loan is processed immediately. You get approved in minutes. And our managers are always available to answer your questions concerning your car loan. Next, choose the car you want at our web site or at any dealer or private seller. Last step – sign your credit agreement online and pick up your car ready for use.

      We open the opportunity for growth for MSMEs across the EU through flexible used car loans. Lack of access to finance is stopping many immigrants from enrolling to economical life of the EU countries. Complicated and frustrating process of applying for finance is blocking the possibility for growth for many small business across the EU. Our goal is very simple – we are opening access to finance to all entrepreneurs: starters, growing, expanding. Foreigners and immigrants. With bad credit history or god credit history. With experience in business or just looking to start their entrepreneurial journey. We know for all businesses mobility is crucial. That is why we offer fast car loans.

      How does a car loan for a used car work? If you are looking for a loan to buy a new or used car, we offer car loans for immigrants and people with bad credit history, we offer car loans to starting business. We provide car loans for second hand cars for everyone starting from EUR 5000. When you apply for a car loan with ESKA Finance, you will find the process to be quick and simple. We know that life is full of complications. Applying for car finance shouldn’t be making life even more complicated. We give you an instance response on a car loan application. you can choose a car on our web site which can be financed and picked up the same day.

      Why choose ESKA Finance for a car loan? We offer used car loan to everyone. Beyond that our credit application is among the easiest on the market. We offer car loans for second hand cars up to 12 years of age and with mileage up to 200 000 km. Our used car loan application is completely online and fully paperless. It takes minutes to process your car loan application. Used car loan from ESKA Finance is a simple solution for getting your car. We can offer you an instant car loan. Get your car financed in one day with the used cars offered on our platform.

      Get a quick car loan today. You can receive a quote right now, get your car loan approval in minutes and receive your car today or within three next days. Simply apply online for a car loan. We ask only for a few details such as company name, tax number, or your name and passport. You will relieve an instant response. You will receive full information on your car loan offer, such as how much you will need to repay for your car loan each month. So you will know your full payments for car loan repayment and amount of interest upfront and you can decide whether the car loan is right for you.

      It is hard to find your dream car but getting a car loan is even more difficult for many people. We make a process of buying and financing a car easy and fast. We offer best car loans on the market not limiting you to only one country or one dealer. You can choose any used car in the EU and get it financed by us. When you apply for a car loan through our platform you can choose pre-approved used vehicle which will be ready for a pick up within 1 day.

      We offer car loans for used cars of most popular brands such as: used Mercedes car loan with low down payment, used BMW car loan for starters, used Toyota car loan for foreigners, used VW loan for taxi, used Skoda loan for Uber, used Audi loan for immigrants, used Peugeot loan for Bolt, used Renault loan for LeCab, used Tesla loan. Car loan for used cars is available to businesses, professionals, private entrepreneurs and individuals in all EU countries. You have no credit history or bad credit history and an auto loan from the bank is not an option. We can offer a vehicle financing for a used car even in this case.

      Used car loan for taxi. Taxi business is always a good idea for starters or for foreigners who just arrived to a new country. All you need is a down payment starting from 20% from the car price. We finance the rest. We provide car loans for used cars, vans, taxis and private transfers in any EU member state. We finance used vehicles in Austria, Belgium, Spain, Italy, Germany, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia and the Czech Republic. We offer possibility to select and deliver used cars from and to all EU countries. We also provide loans to foreigners and immigrants. We support micro, small and medium-sized entrepreneurs by offering them hassle free, fast car loans.
      Apply for a loan to buy a used car and we will get you behind the wheel faster than anyone else on the market.