El Banco Nación and Volkswagen Argentina launched a joint financing program on August 11, 2026, offering peso-denominated loans for zero-kilometer vehicles in up to 48 installments. According to joint announcements covered by outlets including Infobae and LM Neuquén, the initiative operates under the “+Autos con BNA” program to expand vehicle access through official dealerships using preferential financing terms.
Financing Terms and Borrowing Limits
Borrowers can request up to $20 million to purchase eligible Volkswagen vehicles priced up to 60 million pesos, according to Infobae. The program utilizes a French amortization system with loan terms spanning 24 to 48 months. LM Neuquén notes that all loan grants remain subject to credit evaluation, approval, and administrative processing by the bank.
Interest Rates and Tier Structures
Nominal Annual Interest Rates (TNA) vary based on the borrower’s repayment timeline and whether they receive their salary through the bank. According to Banco Nación’s official schedule reported by LM Neuquén:
- Up to 24 months: The TNA is 27% for customers with payroll accounts at Banco Nación, and 37% for all other users.
- 30 to 48 months: The TNA is 30% for salary account holders, and 40% for non-payroll customers.
Sample Calculation and Requirements
Bank data from the online “+Autos” simulator outlines a concrete borrowing scenario for a $40 million loan paid over 48 months. According to Infobae and LM Neuquén, a customer receiving salary payments at Banco Nación requesting that amount faces a monthly installment of $1,835,110,95. Under that specific simulation, the TNA sits at 36%, the Total Financial Cost (CFT TNA) reaches 43,56%, and the applicant must demonstrate a net monthly income of $6,117,036,51.
Application Process and Eligible Models
Applications are processed directly through participating official Volkswagen dealerships. Infobae reports that the vehicle lineup includes models such as the Polo, Tera, Virtus, Nivus, T-Cross, Taos, Saveiro, and Amarok, provided they fall below the 60 million peso ceiling. Customers must visit official sales points to check specific model availability, review applicable conditions, and submit documentation for credit evaluation.
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