Cars in instalments in Chisinau — no bank, no proof of income

No cash down payment — trade in your car

If you don't have cash for the down payment, you can pay it with your car. We value it on the spot and count its value towards the down payment (trade-in). If the valuation exceeds 20% of the price, the difference reduces the financed amount and the monthly payment; if it is lower, you top up the rest in cash.

Instalments, a car loan or leasing — what's the difference

We are neither a bank nor a leasing company: we provide instalments ourselves, for cars from our own stock. That makes it simpler than a loan, and you choose from the cars in this catalogue.

• A car loan — a contract with a bank or microfinance company: you usually need proof of income and a credit check, and you repay the lender, not the seller.
• Leasing — the leasing company buys the car and owns it until the end of the contract; you pay for the right to use it and buy it out at the end.
• AUTOHUB instalments — a contract directly with us: your ID, a guarantor and the down payment, a same-day decision and early repayment with no penalty. The car stays pledged as security until the final payment, but you drive it from day one.

How the payment is calculated

We finance the price minus the down payment. Interest is 0.05% per day on the outstanding balance, so the faster you repay, the less interest you pay. Early repayment is allowed at any time with no penalty: the payment is recalculated from the new balance. The catalogue shows the payment for a five-year term — a shorter term means a higher monthly payment but less interest overall.

Calculated with the same formula as our calculator: 0.05% per day on the outstanding balance, equal payments, rounded up to the nearest euro. A larger down payment or early repayments mean less interest overall.

What you need

We provide the instalments ourselves, without a bank: you need your ID and a guarantor, no proof of income is required, and the decision comes the same day.

• Your passport or ID card.
• A guarantor — required.
• A down payment from 20% — in cash or with your car as a trade-in.
• Car insurance — required.

Frequently asked questions about instalments