The financial entity enables this line to promote consumer financing and make improvements to homes or buy a vehicle, among other possibilities.
The new line of financing is made up of four credits at reduced interest and without commissions, conditions that are offered until next April 30.
Within this line, is the loan “Vamos Renueva tu Casa”. It is intended for clients who wish to make improvements to their home and includes the acquisition of furniture, electrical appliances, technology, works and reforms. The maximum amount is 60,000 euros with a repayment term that extends up to 8 years. The interest rate can reach 3.90%, with no opening commission.
For its part, the “Vamos Coche” loan is aimed at financing the acquisition of new or second-hand vehicles. Cars or motorcycles that have “Eco” or “Zero” certification will have an improvement in the price of the loan. The maximum amount for this credit is 75,000 euros, without an opening commission and with an interest rate that can reach 4.90%.
The new line also includes the “Digital Loan”. This product is exclusively for customers of Ibercaja’s digital banking service to access financing quickly and conveniently through the mobile app or Ibercaja’s web banking. The processing time, the rate at a competitive rate, the absence of commissions and the ease of use of the digital channel are some of the characteristics of this product.
Finally, there is the “Easy Loan”. This fast concession modality is specially designed for customers who need to cover any financing need for the acquisition of consumer goods or services. It is available through the Ibercaja branch network.
digital channels
Ibercaja expects that more than 60% of the contracting of these products will materialize through its digital channels: website, app and the new Ibercaja digital banking, which makes it easier for customers to have the advantages of these four products at any time. .
This percentage is in line with the growing use of digital channels by Ibercaja customers. Operations carried out through digital banking now represent 76.2% of the bank’s total operations.
In 2021, the number of digital customers grew to reach 877,408, thanks to the increase in users of the mobile app and Ibercaja Pay.
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