Car loan rules in Other euro countries
- Across the EU, lenders must show the APRC, which compounds the monthly rate and includes the lender’s costs. The rules in this mode follow the EU Consumer Credit Directive; your country may add its own.
- Balloon and residual-value finance is common across Europe.
- Under the EU Consumer Credit Directive you can repay early at any time, and compensation is capped at 1% of the amount repaid early (0.5% with a year or less left), never more than the interest saved.
- You have 14 days to withdraw from a consumer credit agreement.
Sources: EU Consumer Credit Directive. Rules checked October 2026.
How to use this calculator
Choose Find my APR and enter the price, your down payment, the term and the monthly payment from your offer. The calculator works backward to the APR that lenders in Other euro countries must disclose, and shows the same loan as a nominal rate and an effective rate. Choose Find my payment to turn a quoted rate into a monthly payment. All figures are in EUR and you can switch country at the top of the page.
Frequently asked questions
What is the APRC?
The annual percentage rate of charge is the effective annual rate EU lenders must show. It compounds the monthly rate and includes the lender’s costs.
What does it cost to repay a car loan early in the EU?
Under the Consumer Credit Directive compensation is capped at 1% of the amount repaid early, or 0.5% with a year or less left, and never more than the interest saved.