Credit or rental: how to finance your electric car 

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Credit for the purchase of an electric or hybrid car

For a period of 6 to 12 months ,
from € 1,500.

Rate in force from 01/09/2023 at 30/09/2023 .

Public sector agents, go to electric
Discover our BFM Liberty 1 loan – clean vehicle

There is no shortage of reasons for switching to electric: want an alternative to petrol and diesel fuels,
Willingness to reduce your carbon footprint, government incentives, mobility facilitated in town ..
Are you ready to change your habits and ride more green and responsible ?
Public sector agents, we help you opt for an electric or hybrid car
with our Loan loan Liberty 1 – Clean vehicle.

Choose the French Mutualist Bank to take advantage of the entire SG offer and exclusive advantages.
More than 1.2 million customers already trust us.

Aeras Convention

Aeras agreement (ensure and borrow with an aggravated health risk): for any question relating to the Aeras agreement, you can find out about the Vocal Information server on 0 801 010 801 (free green number) or from our “Referent service” by phone from Monday to Friday from 9 a.m. to 6 p.m. at 01 58 10 97 52 or 01 58 10 97 54. To find out more, go to the official website of the Aeras agreement (www.Areas-Info.Fr).

Personal data

Your email address is compulsory for processing your request. It is used by the BFM, controller, only in order to send you your simulation request by email.

You benefit from a right of access, rectification, erasure as well as a right to the limitation of the treatments that you can exercise by sending an email to [email protected] or by sending a letter, specifying your identity and your contact details in BFM – Customer knowledge service – 56 rue de la Glacière – CS 11408 – 75705 Paris Cedex 13.

You also have the right to define general and specific guidelines defining the way you mean that these rights be exercised after your death.

You have the right to submit a complaint to the National Commission for Data Protection (CNIL), a control authority in charge of compliance with personal data obligations.

Example of a clean vehicle loan for an amount of € 2,000 over a period of 12 months

Fixed taeg of:

Fixed annual debtor rate of 0.99%

Monthly payments:

Excluding insurance called 2 Falcultative

Total amount due:

Without case fees and excluding insurance called 2 optional

A credit you engage and mustbe reimbursed. Check your repayment capacity before you commit.

In the event of membership in the so -called group insurance (2), subscription of € 1.23 per month, to add to the credit deadline. Total amount due for the so -called (2) optional insurance: € 14.76, i.e. a TAEA (effective annual insurance rate) of 1.38 %, not included in the loan of the loan. Conditions in force from 01/09/2023 to 30/09/2023 for any subscription to the standard contract (for insureders under the age of 60). For a credit of another duration and/or amount or for any subscription to the senior contract (for the insured of 60 years and beyond), ask your adviser in SG agency.

3 steps to request funding
of your electric or hybrid car

The benefits of the Liberty 1 – Loan Loan 1 – Clean Vehicle

Flexible

Offer valid on any type of clean vehicle: electric, hybrid, new or used.

Flexible

Free Modulation of monthly payments (4) .
Free (5) postponement of your deadlines during the duration of your loan.

Anticipation

Total or partial early reimbursement at no cost.

Free of charge

No file fees.

Adapted

Choice of the amount and duration of your loan (1)
Delayed depreciation (3) free from 1 to 3 months.

Secure

Loan insurance for optimal protection in the event of unforeseen events (2) . Simplified membership: no medical formality up to € 20,000 and simplified health questionnaire from € 20,000 to € 50,000 for – 60 years.

Need to finance a hybrid and electric car ?
Contact us

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Be recalled later

Our advisers answer you according to your availability.

Open your account

Open your SG account and benefit from the advantages of the French Mutualist Bank. € 80 offered for the online opening of a first bank account. *

Several motivations push to take the electric or hybrid turn: whether ecologically, or financially to anticipate fluctuations in fuel price.
Indeed, these models do not emit, little or no CO2, and allow fuel savings. Since in the case of a hybrid engine, there is a combination of thermal (petrol or diesel) and electric. As for the electric motor, it recharges on specific terminals that can be implemented at home, if not available in town or in a service station. Admittedly, it is necessary to include the cost of this energy in your budgetary estimate but it remains less compared to that of thermal. [Learn more]

You can also benefit from financial incentives such as:
– Discounts on your car insurance: many insurers encourage being more respectful of the environment by granting pricing advantages in the form of a bonus.
– The conversion bonus: you can get up to 5,000 euros for the purchase of an electric or rechargeable hybrid vehicle, provided that its autonomy in electric mode is more than 50 km new or used.
– Of the Hybrid or electric car credits dedicated to civil servants at attractive rate allow you to smooth your investment over time. [Learn more]

Ready to take the steering wheel of electric or hybrid ? Simulate your electric and hybrid car credit ?

How to facilitate your transition to an electric or hybrid vehicle ?

To replace your diesel or petrol vehicle, or simply equip yourself, you can opt for green mobility which reconciles practicality, lesser pollution and respect for the environment and the life setting.
To choose the clean car that best suits your ecological and economic motivations, we offer some useful information.

What advantages to choose an electric or hybrid vehicle ?

You can replace your vehicle with a less polluting, cleaner vehicle and act concretely for environmental protection in a responsible manner.
Green mobility is also a way to anticipate energy increases and city restrictions while enjoying government incentives and Credits dedicated to electric or clean vehicles.

Tips to choose the right vehicle:

• Define your motorist profile according to your uses and lifestyle.
  This reflection will allow you to head more easily to the vehicle that suits you.
• Analyze your need for autonomy. Even if the territorial network of the charging stations is increasingly dense, installing a terminal at your home can be saving time and allowing you to optimize your expenses.
• Evaluating your budget to estimate which scenario between a new or used purchase will be the most interesting for you. To do this, you need to consider the aid and advantages of electric vehicles on their funding (Electric or hybrid car credit, state bonus, ecological bonus…), And on their maintenance (Recharge bonus, insurance benefits…).

Find these tips in detail on your Public Public Information Platform HERE.

Another project to be completed ?
Discover our car/motorcycle offers

New car credit

Buy the new car of your dreams

Used car credit

Finance your used vehicle

Motorcycle/scooter

Opt for a two -wheeler with an adapted credit

Loan allowed at 1 euro per day

Finance your driving training

The BFM Loan Owner 1 is a financing solution proposed by the French Mutualist Bank to help you finance the purchase of your new or used hybrid or electric vehicle.

(1) non -affected depreciable loan, granted by and subject to acceptance of your file by the French Mutualist Bank and to hold a bank account in Société Générale agency (with desired wage domiciliation). Legal withdrawal period of 14 days. See Conditions at Société Générale agency.
(2) Group insurance contract known as – Death – Total and irreversible loss of autonomy – Total or partial permanent disability – Total temporary incapacity for work, subscribed by the French Mutualist Bank, with SOGECAP (Société Anonyme governed by the code of Insurance) and presented by Société Générale, in its capacity as an insurance intermediary whose registered office is located 29, boulevard Haussmann (Paris IXE), in its capacity as an insurance intermediary, ORIAS registration n ° 07 022 493 (www.orias.Fr). It is optional but recommended. Standard insurance rate given as an indication that can evolve and excluding possible surprise.
(3) Subject to acceptance by the French Mutualist Bank. Within the limit of 3 months maximum and under the conditions set for the credit contract. During the delay of depreciation, only interest and if the insurance subscription is taken are taken.
(4) Subject to acceptance by the French Mutualist Bank. Excluding insurance contributions possibly subscribed. Possible development under the conditions and limits set for the credit contract.
(5) Subject to acceptance by the French Mutualist Bank. Excluding insurance contributions possibly subscribed. Possible postponement under the conditions and limits set for the credit contract.

* Account opening bonus of € 80: Offer valid until 12/31/2023 to non -Société Générale Major customers for a first online request for a bank account company Société Générale. The premium of 80 euros is conditioned on the creation of a minimum of 5 payments during the first three months following the effective opening of the account and is paid to the bank account no later than four months after its opening.

** The French Mutualist Bank, as processing manager, processes the data collected to ensure the management of your request. To find out more about the management of your personal data and to exercise your rights, you can consult our “Personal Data” section at the bottom of the site or click here.

Credit or rental: how to finance your electric car ?

You wish to acquire a more ecological vehicle ? Ecological bonus, conversion bonus, purchase on credit or rental, we give you the keys to go to the end of your project.

The advantages of electric car credit and rental

• Credits 1 up to € 75,000 without required 2
• Credits with deferral 3 and possible early reimbursements
• Flexible rental formulas with long -term purchase and rental option
• Budget control with all inclusive rent

Aids to buy an electric or hybrid car

The choice of an electric vehicle is ecologically more responsible than that of a thermal vehicle, but its acquisition cost is generally higher. To lighten the bill, the state and the regions have set up help to encourage motorists to the energy transition, and allow you to reconcile your economic and ecological requirements. Let’s do a check in !

The ecological bonus

This is aid granted by the State to encourage the purchase or rental of vehicles (new or used) which do not emit CO2 (electric or hydrogen). Its amount can go up to € 7,000 on conditions.

New vehicles

Ecological Bonus scale

Categories	Scales from January 1, 2023
Electric and/or hydrogen vehicles of maximum € 47,000 including tax and less than 2.4 tonnes for people whose reference tax income is	€ 7,000* maximum (capped at 27% of the vehicle price)
Electric and/or hydrogen vehicles of maximum € 47,000 including tax and less than 2.4 tonnes	€ 5,000 maximum (capped at 27% of the price of the vehicle)

* The ceiling of 27% of the acquisition price applies to the “basic” bonus of € 5,000, but not to the increase of € 2,000.

Used vehicles

The amount of the ecological bonus for an electric vehicle is € 1,000.

Conditions for obtaining the ecological bonus

New cars must:

• weigh less than 2.4 tonnes for private vehicles
• cost less than € 47,000
• Roll on electricity or hydrogen, or these two combined energy sources (no hybrid vehicle)
• be purchased, or rented for minimum 2 years
• be registered in France.

Used cars must:

• Not having traveled more than 6,000 km
• to be at least 2 years old and not be sold within 2 years of their acquisition.

Regarding the applicant:

• He must be domiciled in France
• The same person can only have a bonus every 3 years
• He undertakes not to resell the vehicle having benefited from the bonus in the year following the acquisition, under penalty of having to repay the perceived bonus.

The conversion bonus (or scrap premium)

This bonus, cumulative with the ecological bonus, is an aid for the purchase or rental of a little polluting vehicle in exchange for the rebate of an old polluting vehicle (from Crit’Air 3).

Amount of the conversion premium

Terms	Motorization	Reference tax income (RFR) by share < 6358 € et gros rouleurs 4	Reference tax income (RFR) by share < 14 089 €	Reference tax income (RFR) per share between € 14,089 and € 22,983
All taxes included price < 47 000 € Weight < 2,4 t	Electric (battery or hydrogen)	€ 6,000 (capped at 80% of the vehicle price)	€ 2,500
All taxes included price < 47 000 € Weight < 2,4 t	Crit’air 1	€ 4,000 (capped at 80% of the vehicle price)	€ 1,500	–

Conditions of the conversion bonus

• The vehicle reinforced must have been registered for the first time before 2011 for a diesel vehicle and before 2006 for a petrol vehicle.
• If the new vehicle is new or registered for less than 6 months, it will have to issue a maximum of 122 g of CO2 per km .
• If the new vehicle is used, it will have to issue a maximum of 132 g of CO2 per km .
• As for the bonus, the acquisition cost must not exceed € 47,000 including tax and the weight must be less than 2.4 tonnes.
• A natural person can only benefit from it once.

The amount of the premium may reach, in the best of cases, the € 6,000 for a private car. The amount is increased by € 1,000 in ZFE (low -emission zones) and can reach € 3,000 if a local community grants aid of the same kind in ZFE .

Regional aid

Local aid can be offered to you, under conditions. Consult the websites of your region, department or commune directly to find out for your eligibility for devices.

A credit for the purchase of your electric car

2 car loans are offered to you to finance the purchase of your electric or hybrid car, depending on the characteristics of the vehicle you choose and its impact on the environment. To respond to our commitments in favor of the ecological transition, and to encourage more responsible mobility, we have set the Credit rate for electric and hybrid cars at 3.68% Fixed TAEG.

• Folding fees offered
• Report of monthly payment possible 3
• Decision at the local level by your fund
• Personalized monitoring of your project

• Folding fees offered
• Report of monthly payment possible 3
• Decision at the local level by your fund
• Personalized monitoring of your project

Example of Auto TAEG fixed at 3.68%: For an amount of € 10,000, lasting 5 years and intended for financing 1 of a new electric or hybrid vehicle, you reimburse 59 monthly payments of € 182.46 and one last of € 182.18 . Global effective annual rate (TAEG) fixed of 3.68% (fixed debtor rate: 3.62%). Total amount due by the borrower: € 10,947.32 . No file fees. The amount of monthly payments indicated above does not include the optional option usually proposed: death insurance, total and irreversible loss of autonomy, incapacity for work and permanent disability. Insurance calculated on the remaining capital due, with an amount of 1st monthly subscription of € 11.66, a total amount over the duration of the credit of € 364.04 and an effective annual insurance rate (TAEA) 1.46%. Conditions on 08/01/2023.

Example of Auto TAEG fixed at 4.45%: For an amount of € 10,000, lasting 5 years and intended for financing 1 of a new vehicle without ecological penalty, you reimburse 59 monthly payments of € 185.79 and one last of € 186.09 . Global effective annual rate (TAEG) fixed of 4.45% (fixed debtor rate: 4.36%). Total amount due by the borrower: € 11,147.70 . No file fees. The amount of monthly payments indicated above does not include the optional option usually proposed: death insurance, total and irreversible loss of autonomy, incapacity for work and permanent disability. Insurance calculated on the remaining capital due, with an amount of 1st monthly subscription of € 11.66, a total amount over the duration of the credit of € 366.20 and an effective annual insurance rate (TAEA) 1.47%. Conditions on 08/01/2023.

Finance your electric vehicle for rent

You do not wish to become immediately the owner of your car ? Think about leasing ! With long -term rental (LLD) or rental with purchase option (LOA), benefit from a vehicle with rent suitable for your situation.

• Possibility of an advance ecological bonus and conversion bonus
• An all -inclusive formula : maintenance, assistance and borrower insurance are included 5
• New or used vehicle : easily change car so that it adapts to your needs
• A personalized contract : Adjust the rental time, the number of kilometers and the desired contribution

Electric vehicles: advantageous insurance

You benefit from advantageous rates to cover the batteries as well as the connection cables. Until December 31, 2023, you also benefit from a Decrease in your auto insurance contributions Thanks to the exemption from TSCA (Special Tax on Insurance Conventions). To take advantage of it, the registration certificate of your vehicle must have been issued after January 1, 2021.

On a daily basis, take public transport #sédéplacemounspolluer

Your questions about electric car credit or hybrid

You want more information on electric car credit or leasing rental ?

Contracts subscribed to Crédit Mutuel Leasing . Crédit Mutuel Leasing – Specialized Credit Establishment approved by the Prudential Control and Resolution Authority – Registered at the ORIAS under number 09 046 570 (www.orias.Fr). Société Anonyme à Capital of 35 353 530 euros – Headquarters: Tour D 2, 17 bis Place des Reflets, 92988 Paris La Défense Cedex – France – RCS Nanterre 642 017 834 – Intracommunicat TVA N ° TVA 77 642 017 834 – Website: www.CREDITMUTURE-LEASING.Fr. Crédit Mutuel Leasing is an entity of Crédit Mutuel Alliance Federal.

1 After study and subject to acceptance of your file by your Crédit Mutuel Caisse. After expiration of the legal withdrawal period of 14 days and the legal period of provision of funds.

2 with or without contribution for financing the vehicle by credit. See cash conditions.

3 With the Modulconso option, it is possible to postpone 2 deadlines per year, over 12 months slippery. The deadlines whose levy is delayed do not generate calculation of additional interests but are postponed at the end of the credit.

4 people whose distance between their home and their place of work is greater than 30 km or performing more than 12,000 km per year as part of their professional activity with their personal vehicle.

5 According to the chosen formula.