Finance your car, even after a refusal
Caroo finds the financing solution that fits your situation, whether the car comes from our stock or elsewhere. Fast answer, support from start to finish.
Car financing in Belgium: simple, fast, tailored to you
Looking for financing for your car in Belgium? Caroo helps you find the car loan, instalment loan or leasing formula best suited to your budget — whether the car comes from our stock or you spotted it at another seller.
Rather than pushing a single offer, we compare the solutions from our financing network to present you with a clear proposal, new or used, for private individuals as well as the self-employed and companies. You keep a single point of contact from start to finish, and you decide freely: the request is free and without obligation.
Even after a bank refusal, a solution exists in the vast majority of cases. Fill in the form in two minutes, and we'll get back to you with a concrete proposal, often within 48h.
Three ways to move forward with us
A car from our stock
Spotted a vehicle at Caroo? We finance and handle everything in one place.
See our available carsA car found elsewhere
Is the car at another seller? No problem, we finance it anyway.
Leasing and renting for professionals
Self-employed or a company? Operational or financial leasing, renting: we guide you to the right formula.
Car loan and leasing: a solution for every profile
Car loan
The classic car loan in Belgium. You repay in fixed monthly instalments, with no down payment required: up to 100% of the price can be financed. Ideal for private individuals.
Hire purchase
A financing formula where you make an initial payment, followed by fixed monthly instalments. At the end of the contract, you can become the owner of the vehicle under the agreed terms. Available as « rent to own » through our partner or as a classic financing.
Balloon credit
Lower monthly payments, with a final amount — the « balloon » — to settle or refinance at the end. Useful to preserve your cash flow.
Renting / private lease
An all-inclusive formula with a fixed monthly fee, often including maintenance and insurance. You drive without worrying about resale.
Financial leasing
For professionals: you finance the vehicle over the term and can become its owner at the end of the contract.
Operational leasing
For professionals: a monthly rent, services included, without carrying the vehicle on your balance sheet. The car remains the lessor's.
Please note, borrowing money also costs money.
How it works
- You fill in the form a few details about your project.
- We contact you we complete the file with you.
- We consult our financing network to find the best offer.
- We present you an offer clear, often within 48h after a complete file.
- Signature and handover all that's left is to drive.
Why finance your car with Caroo
A single point of contact, from A to Z
We build the file with you, consult the lenders and present you with the best offer. No need to multiply the steps.
We compare for you
Rather than a single bank, we approach several partners from our financing network to find the solution best suited to your situation.
Free and without obligation
Making a request commits you to nothing and costs nothing. You only sign if the proposal suits you.
Transparent terms
In Belgium, all fees are mandatorily included in the APR: no hidden costs, you know exactly what you pay.
Your data protected
Your information is used solely to process your financing request, in compliance with the GDPR.
Consumer credit intermediary
SC Motors SRL (Caroo), enterprise number BE 0420.036.229, acts as a consumer-credit agent on an ancillary basis, registered with the FSMA. Caroo does not grant the credit itself: it is provided by the lender, subject to acceptance of the file.
Request your financing
Frequently asked questions
Can I finance a car bought somewhere other than Caroo?
Yes. Whether the car comes from our stock or another seller, we handle the financing.
What if my bank refused my loan?
We consult our financing network to find a suitable solution, including after a refusal elsewhere. Nothing is guaranteed, but a solution exists in the vast majority of cases.
Is it for private individuals or professionals?
Both. Private individuals, self-employed, liberal professions and companies (SMEs).
How long does it take to get an answer?
Often within 48h after receiving a complete file.
Is the request free and without obligation?
Yes, the request is free and without obligation.
What documents do I need for a financing request?
Usually: your ID card, proof of income (payslips, tax assessment) and the vehicle details. For professionals, we also ask for the company number. We tell you exactly what to provide after your request.
Can I finance a used car?
Yes. We finance both new and used cars. Depending on the age and mileage of the vehicle, some formulas are more suitable than others — we guide you to the right one.
Do I have to pay a down payment?
Not necessarily. The instalment loan lets you finance up to 100% of the price, with no down payment. Other formulas, such as hire purchase, start with an initial payment. We explain what applies to your project.
What is the APR?
The APR (Annual Percentage Rate) is the total cost of your credit expressed as a percentage. In Belgium, it mandatorily includes all fees: it's the only figure to compare to know what financing really costs you.
Can I repay my loan early?
Yes. Belgian law allows you to repay all or part of your credit before the due date. Depending on the contract, a limited and capped fee may apply.
Ready to finance your next car?
Fill in the form, we handle the rest.
Request my financing