Car Insurance: Accelerate Your Project
With a monthly payment of CAD 375.40/month over 72 months, Morgane was able to borrow CAD 21,750 at 7.69% for a total amount due of CAD 27,042 and hit the road with her used car.
Upgrade your vehicle with a Car Insurance at the best rate? It's a smart move! Whatever your auto project, Commasotto is here to guide you and offer the solution that perfectly fits your budget. Finance up to 100% of your vehicle's value(1) and enjoy fixed monthly payments, set together from the start. With Commasotto, you have all the tools to make the right choice. Don't wait any longer—discover the benefits of our Car Insurance and simulate your loan online today!
Drive with Peace of Mind
For your security and that of your loved ones, you can opt for optional insurance. Depending on your situation when taking out your Car Insurance and your individual needs, this insurance linked to your auto loan provides coverage in case of:
- Total and Permanent Disability
- Temporary Total Work Disability
- Death
- Job Loss
Benefits of Commasotto Car Loan
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Personal auto loan from CAD 8,500 to CAD 93,000*
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Fixed interest rate for the entire duration of your loa
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No down payment required
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100% online application with no processing fees
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Funds received within 48 hours
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Monthly payments tailored to your needs, adjustable on request
Buying a car has never been this simple.
Take your car project to the next level with our Car Loan & Insurance!
We understand that behind every project is a unique individual with their own story and situation. Commasotto adapts to your needs and supports you every step of the way!
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Your family is growing, and you need a more spacious vehicle: sedan, minivan, family car, utility van, or camper van. Now is the perfect time to simulate your car loan!
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Your car is broken beyond repair: Buying a new vehicle is often more cost-effective than paying for expensive repairs. Whether you buy from a private seller or a dealership, Commasotto will tailor the financing to your project.
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First-time driver: You’re looking to get your first car. Commasotto can guide you through your first personal auto loan, whether for a new or used vehicle. Check out our Consumer Loan Guide!
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Car enthusiast: You want the latest model. Once your trade-in is deducted, you may need a loan to cover the full purchase. Your Commasotto advisor will help you find the financing solution that fits your needs.
Un exemple de prêt auto et ce qu'il faut en retenir
Loan Amount
15,000 CAD
Over 72 months
- Fixed APR 7.69%
- Monthly Payment CAD 258.84
- Total Loan Cost CAD 3,636.48
- Total Amount Due CAD 18,636.48
Your Questions About Commasotto Car Insurance
How long does it take to receive the funds?
After completing my car loan application, how soon will I have access to the funds?
If you have already estimated the amount needed for your car purchase and want to plan ahead, here is the timeline for accessing your loan:
The loan amount will be credited to your bank account within 48 business hours once your application is processed. (Subject to approval of your application by Commasotto and after the legal withdrawal period and submission of all required documents).
Why apply for your car loan online with Commasotto?
What are the benefits? Can I apply with confidence? Here's the answer.
Applying for your car loan online with Commasotto means:
Convenience
You can submit your application comfortably from home without traveling. No need to print or send documents by post or in person—saving both time and paper!
Speed
In just a few clicks, complete your car loan request and get a preliminary approval. Funds can be credited to your account within 48 business hours (1).
Efficiency
Once your online form is validated and initial approval is granted, you can securely download your loan offer as a PDF from your Personal Secure Space.
Security
Apply with peace of mind! Commasotto provides a highly secure environment for your loan request. As part of Arkéa Financements & Services, our system complies with the strictest data security standards to protect your information.
Supportive Guidance
We value authenticity, transparency, and trust. Every borrower has a unique project, and our experts are here to support you throughout your car loan journey. Human expertise, fully dedicated to you.
(1) Funds are credited within 48 business hours after processing your request, subject to approval of your application by Commasotto and completion of the legal withdrawal period along with required documentation.
What is the APR?
A simple question with a detailed answer: let’s break down what APR includes.
The Annual Percentage Rate (APR) represents the total cost of a loan expressed as an annual percentage.
This rate includes the nominal interest rate, which determines the loan interest, as well as any fees associated with obtaining the credit.
For consumer loans, interest is calculated on an actuarial basis, estimating the actual amount of interest the borrower will repay, which typically covers:
- Application or processing fees charged by the bank
- Broker or intermediary commissions
- The cost of optional insurance linked to the loan
Any other mandatory fees required to receive the loan, such as account management fees if opening an account with the lender is necessary, must also be included.
The APR is expressed as an annual percentage relative to the borrowed amount.
It is a useful metric for comparing different loan offers, helping you evaluate the total cost of borrowing.
You can calculate or estimate the APR using an online simulation tool.
It’s important to note that the APR cannot exceed the legal interest rate cap in effect, which sets the maximum lawful interest rate.
Interest caps vary depending on factors such as the loan amount, contract duration, and type of credit.
How can I track the progress of my loan application?
Have you submitted an online or in-store loan request and want to check its status?
Log in to your Secure Personal Space using the ID provided to you by email after submitting your loan application. The progress of your application will be displayed on the home page of your Secure Personal Space.
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If any action is required from your side, you will be notified both in your personal space and via email.
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If you experience unusually long delays, you can contact your advisor by phone or email listed under "My Profile" → "My Contacts" in your Secure Personal Space.
View Policy Terms
Example of a Personal Insurance-Linked Loan (excluding optional insurance): for a total credit
amount of CAD 14,500, repayable over 60 monthly installments of CAD
289.50 (excluding optional insurance). Fixed Annual Percentage
Rate (APR): 7.60% (excluding optional insurance). Fixed debtor rate: 7.35%. One-time fees:
CAD 0.00. Total credit cost: CAD 2,867.00. Total amount payable by
the borrower: CAD 17,367.00. First installment due in 30 days. Effective loan term: 60
months. You have a right of withdrawal. Annual Insurance Percentage Rate (AIPR) for a single
insured (excluding any additional premiums) covered at 100% based on the Comfort coverage
(including Death, Total and Irreversible Disability, and Temporary Total Incapacity) under the
"My Personal Insurance" policy no. 5035: 2.91%, representing a monthly insurance cost of CAD
18.85, added to the monthly installment indicated above. The total insurance cost over the full
loan term is CAD 1,131.00. Optional group borrower insurance "My Personal Insurance" policy no.
5035 is underwritten by Arkéa Financements & Services with Suravenir and Suravenir Assurances,
companies regulated by the French Insurance Code. Offer available for loans ranging from CAD
7,975 to CAD 87,000, with repayment periods from 12 to 120 months. Fixed APR: 7.60%.
Subject to acceptance of your application by Arkéa Financements & Services, expiration of the
legal withdrawal period, submission of required documents, and unchanged personal and financial
circumstances at the time of signing your loan agreement.
Conditions effective as of 07/09/2025.
Commasotto offers a range of insurance-linked financing solutions developed by Arkéa
Financements & Services.
Lender: Arkéa Financements & Services – Headquarters: 335, rue Antoine de Saint-Exupéry, 29490
GUIPAVAS - Public Limited Company with Management Board and Supervisory Board, share capital CAD
304,500,000 – RCS Brest B 338 138 795. Insurance brokerage company, ORIAS registration no. 07
019 193 (verifiable at www.orias.fr).
Advertising document for informational purposes only and non-binding.
* The borrowable amount depends on the type of project you wish to finance. For example, for home renovations with insurance coverage, you can borrow from CAD 7,975 to CAD 87,000 over repayment periods ranging from 12 to 120 months.
** Fixed APR of 4.90% for an energy-efficiency Renovation Loan of CAD 17,400 over a 12-month repayment period.
(1) Bank transfer within 48 business hours after processing your request. Subject to acceptance of your credit file by Arkéa Financements & Services, expiration of the legal withdrawal period, and submission of required documents.