Products
Find the best financing plan to meet your goals
Simple Interest Vehicle Financing
At Firma Car, we offer financing based on simple interest loans—a straightforward and transparent way to finance your vehicle.
What does this mean for you?
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Interest is only charged on the outstanding balance. This means your payment goes first toward interest that has built up since your last payment, and the rest reduces your principal (the amount you borrowed).
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Paying on time keeps your costs lower. Since interest accrues daily on your remaining balance, making your payments on or before the due date helps reduce the total amount of interest you pay over the life of the loan.
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Paying early can save you money. If you make extra payments or pay off your loan early, you’ll pay less interest overall, because we only charge interest on what you still owe.
GAP (Guaranteed Asset Protection)
When you finance a vehicle, your insurance may not always cover the full amount you owe if your car is totaled or stolen. That’s where GAP Protection comes in.
What is GAP?
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GAP stands for Guaranteed Asset Protection.
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It covers the “gap” between your insurance payout and the amount you still owe on your loan.
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Without GAP, you could be left responsible for paying thousands of dollars out of pocket if your car is declared a total loss.
Why choose GAP Protection?
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Peace of mind knowing you’re not stuck with a loan balance for a car you can no longer drive.
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Protection against unexpected losses, especially in the first years of your loan when depreciation is highest.
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Affordable coverage that can save you from major financial stress.
