Banco Nación and Volkswagen Argentina have launched a targeted vehicle financing program called “+Autos con BNA,” offering dedicated credit lines for buyers purchasing new zero-kilometer cars at official dealerships across the country, according to joint statements released by both entities.
The financing initiative gives prospective buyers access to personal loans without pledges, allowing individuals to request up to 20.000.000 de pesos to purchase eligible vehicles. Under the parameters set by the state-owned bank and the German automaker, participating vehicles cannot exceed a maximum ceiling price of $60.000.000, with repayment terms structured between 24 and 48 months utilizing the French amortization system.
This program arrives as Argentina’s automotive sector navigates shifting consumer financing conditions, offering structured relief for buyers seeking predictable monthly installments. Simultaneously, the financial institution rolled out a separate digital debt regularization program targeting credit card holders facing arrears, highlighting a broad push by the state bank to address consumer portfolio performance across different financial segments.
Financing Terms and Rates for the Volkswagen Line
The “+Autos con BNA” framework establishes differentiated annual nominal rates, known locally as Tasa Nominal Anual (TNA), which vary based on a customer’s payroll relationship with the bank and the chosen repayment horizon. Borrowers who credit their salary accounts directly through Banco Nación secure preferential rates, accessing a 27% TNA for 24-month operations and a 30% TNA for terms stretching between 30 and 48 months.
For customers who do not receive their earnings through the state-owned institution, the financing terms adjust to a 37% TNA for 24-month loans and a 40% TNA for maturities running from 30 to 48 months. Official guidelines state that all applications undergo standard credit evaluation and formal approval processes in accordance with current banking regulations.
Management of the credit line is handled directly through authorized official Volkswagen dealerships. Customers can review eligible inventory and initiate loan applications tailored to their financial profiles on-site at participating commercial points of sale.
Eligible Vehicle Models and Purchase Limits
The program applies to a broad selection of popular Volkswagen models distributed through the brand’s authorized dealer network, provided individual sticker prices remain below the $60.000.000 threshold. According to official automotive catalogs cited in market disclosures, the lineup includes passenger cars and utility vehicles such as the Polo, Tera, Virtus, Nivus, T-Cross, Taos, Saveiro, and Amarok.
Because the financing operates as an unpledged personal loan, buyers maintain flexibility in structuring their asset purchases while operating inside the established up to $20.000.000 maximum funding cap. Dealership representatives coordinate both vehicle selection and credit submission paperwork to streamline the acquisition process for buyers.
Digital Refinancing for Credit Card Holders in Arrears
Alongside the automotive credit push, Banco Nación implemented a digital, self-managed restructuring channel designed to assist credit card customers managing past-due obligations amid elevated delinquency levels across the broader financial system. The initial rollout of this regularization program specifically serves clients with debts classified under risk categories 3, 4, or 5, granting them access to structured repayment plans extending up to 96 months.
The state bank introduced a 100% digital self-service platform allowing clients to execute debt refinancing agreements remotely without visiting a physical branch, ensuring automated accounting registration of each transaction. Bank figures indicate that the institution processed more than 62.000 operaciones de refinanciación totaling upwards of 310.000 millones de pesos. The newly launched digital portal alone captured over 7.500 refinanciaciones debt restructuring transactions within its first 24 hours of live operation, pointing to strong initial demand for remote debt resolution tools.
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