{"id":15762,"date":"2025-06-27T16:34:23","date_gmt":"2025-06-27T15:34:23","guid":{"rendered":"https:\/\/www.afc69.fr\/?p=15762"},"modified":"2025-06-27T13:39:38","modified_gmt":"2025-06-27T12:39:38","slug":"credit-auto-chez-un-concessionnaire-et-taux-caches","status":"publish","type":"post","link":"https:\/\/www.afc69.fr\/?p=15762","title":{"rendered":"ARTICLE CNAFC &#8211; CREDIT AUTO CHEZ UN CONCESSIONNAIRE ET TAUX CACHES."},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.afc-france.org\/conso\/credit-auto-taux-caches\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"637\" src=\"https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94-1024x637.png\" alt=\"\" class=\"wp-image-15763\" srcset=\"https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94-1024x637.png 1024w, https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94-300x186.png 300w, https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94-768x477.png 768w, https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94-483x300.png 483w, https:\/\/www.afc69.fr\/wp-content\/uploads\/2025\/06\/image-94.png 1110w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p><strong>Pour financer l\u2019achat d\u2019un v\u00e9hicule avec un cr\u00e9dit \u00e0 la consommation, prenez garde aux taux cach\u00e9s et au manque de transparence !<\/strong><\/p>\n\n\n\n<p>Lorsqu\u2019on ach\u00e8te une voiture chez un concessionnaire, il est fr\u00e9quent qu\u2019on vous propose un cr\u00e9dit \u00e0 la consommation pour financer l\u2019achat. Ces offres peuvent sembler pratiques\u2026 mais attention :\u00a0elles ne sont pas toujours transparentes.<\/p>\n\n\n\n<p>Le probl\u00e8me consiste en des taux flous, parfois tr\u00e8s \u00e9lev\u00e9s pour les consommateurs.<\/p>\n\n\n\n<p>Certains concessionnaires proposent des cr\u00e9dits sans indiquer clairement le&nbsp;TAEG (Taux Annuel Effectif Global), ou donnent des chiffres contradictoires selon les vendeurs. Pourtant, le TAEG est&nbsp;l\u2019indicateur officiel obligatoire&nbsp;pour comparer le co\u00fbt r\u00e9el d\u2019un cr\u00e9dit. Il comprend&nbsp;le taux d\u2019int\u00e9r\u00eat, les frais de dossier, l\u2019assurance, etc.<\/p>\n\n\n\n<p>Ne pas le communiquer d\u00e8s la simulation est&nbsp;ill\u00e9gal. Et cela peut cacher un&nbsp;taux beaucoup plus \u00e9lev\u00e9 que ce qu\u2019on vous annonce oralement.<\/p>\n\n\n\n<p>Ce qu\u2019il faut faire :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exigez le TAEG \u00e9crit, d\u00e8s la premi\u00e8re simulation.<\/li>\n\n\n\n<li>Comparez syst\u00e9matiquement\u00a0avec d\u2019autres offres (banque, organismes de cr\u00e9dit, simulateurs en ligne).<\/li>\n\n\n\n<li>Ne signez rien dans la pr\u00e9cipitation.\u00a0Prenez le temps de v\u00e9rifier le co\u00fbt total du cr\u00e9dit (mensualit\u00e9s \u00d7 dur\u00e9e).<\/li>\n\n\n\n<li>Refusez toute offre qui manque de clart\u00e9\u00a0sur le taux ou les conditions.<\/li>\n<\/ul>\n\n\n\n<p>Bon \u00e0 savoir :&nbsp;Votre banque propose souvent des&nbsp;conditions plus avantageuses&nbsp;que celles des cr\u00e9dits propos\u00e9s en concession. Il est donc essentiel de&nbsp;ne pas se limiter \u00e0 l\u2019offre du vendeur.<\/p>\n\n\n\n<p>En d\u00e9finitive, un bon prix pour une voiture peut cacher un&nbsp;mauvais cr\u00e9dit. La vigilance s\u2019impose :&nbsp;transparence du taux, comparaison des offres et refus de toute pression \u00e0 signer&nbsp;doivent devenir des r\u00e9flexes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour financer l\u2019achat d\u2019un v\u00e9hicule avec un cr\u00e9dit \u00e0 la consommation, prenez garde aux taux cach\u00e9s et au manque de transparence ! Lorsqu\u2019on ach\u00e8te une voiture chez un concessionnaire, il est fr\u00e9quent qu\u2019on vous propose un cr\u00e9dit \u00e0 la consommation &hellip; <a href=\"https:\/\/www.afc69.fr\/?p=15762\">Continuer la lecture <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":15763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[60],"tags":[],"class_list":["post-15762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communiques-de-presse"],"_links":{"self":[{"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/posts\/15762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15762"}],"version-history":[{"count":3,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/posts\/15762\/revisions"}],"predecessor-version":[{"id":15782,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/posts\/15762\/revisions\/15782"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=\/wp\/v2\/media\/15763"}],"wp:attachment":[{"href":"https:\/\/www.afc69.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.afc69.fr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}