Portuguese 
English 
Spanish 
3 min of reading 
0 comments 
Consumers Are Increasingly Turning to Credit to Acquire Vehicles and Turning the Internet into a Key Ally in the Buying Process
The search for automotive credit has established itself as a growing phenomenon in Brazil in 2024. As the economic scenario proves challenging and, at the same time, digital consumption intensifies, vehicle financing recorded a 50% growth in online searches, according to a survey by Webmotors, the largest automotive ecosystem in the country.
Furthermore, the data confirms that over 16 million unique queries were made in just one year, reinforcing the importance of the digital environment as a central stage in the car buying journey.
Digital Research Redefines Consumer Behavior
According to Mariana Perez, CPO of Webmotors, the intense search reveals a consumer who is increasingly aware and, therefore, more demanding.
“The search for detailed information shows that people are better prepared. They use the internet to compare, simulate, and make decisions autonomously”, she emphasized.
-
A new law being voted on in Brazil proposes a minimum fare of R$ 10 per trip and R$ 2.50 per kilometer for Uber and 99 drivers, and promises to ensure they earn as well as taxi drivers did during the golden age of taxis in the country.
-
Bauer Group collapses after failed judicial recovery: 25 years, 800 vehicles, and a network of gas stations leave a debt of R$ 50 million and 100 layoffs, exposing costs, tight margins, and expensive credit in Brazil.
-
Premium Brazilian brand born during the pandemic brings fine cocoa from Bahia to Switzerland, Germany, and France, has won 9 awards, and claims to have the 2nd best milk chocolate in the world: meet Luz Cacau.
-
Júnior Friboi has just purchased one of the largest feedlots in all of Brazil, located in Goiás, with the capacity to produce 180,000 cattle per year, and the manager has already come forward to reassure employees about layoffs.
Consequently, according to Perez, the decision-making process no longer starts inside the dealership. “A large portion of consumers arrives at the purchase after a long process of online analysis, which reinforces the relevance of financing as the main credit alternative for vehicle acquisition,” she stated.
Trending Keywords Reveal Trends
Just as in other digital sectors, searches for automotive credit also point to strategic terms on the rise.
- “Car Financing Company”: 50% growth in searches in 2024.
- “Simulate Car Financing”: 22% increase in the same period.
- Furthermore, according to B3 (São Paulo Stock Exchange), 7.2 million units were financed in 2024, representing 20% of all industry sales.
- Meanwhile, the automotive market as a whole grew 14% in sales over the past year, driven precisely by the expansion of credit.
Thus, it is clear that financing not only attracts consumer interest but also sustains the growth momentum of the automotive sector.
Most Common Questions About Financing
On the other hand, besides looking for offers, millions of Brazilians seek to understand how this credit modality works. Among the main questions raised by Webmotors, the following stand out:
- How Does Car Financing Work?
Financing is a credit contract wherein the bank or financial institution lends the necessary amount for purchasing the vehicle. Thus, the consumer pays in monthly installments, which include interest and additional costs. Until repayment, the car remains as collateral for the payment. - How to Calculate Car Financing?
To calculate correctly, it is necessary to consider the vehicle price, the down payment, the interest rate, the Effective Total Cost (CET), and the payment term. Thus, these factors determine the installment amounts and the final cost. As a result, online simulators become essential, as they help visualize the impact of conditions before contracting. - How to Simulate Car Financing?
With digital tools, the process is quick and simple. To do this, just provide the car value, the available down payment, and the desired term. Then, the system generates estimated installments, the total to be paid, and the final interest.
Credit as the Engine of the Automotive Sector
According to data gathered in 2024, the internet has established itself as a protagonist in the buying decision process.
Additionally, consumers increasingly turn to digital platforms to plan, compare, and close deals, transforming financing into the most practical and accessible alternative.
For Mariana Perez, “the trend is that the digital environment will continue to expand its role as a central space for the buying and selling of vehicles.”
Thus, this movement not only democratizes access to credit but also redefines the automotive market, making it more transparent, practical, and connected to the real needs of Brazilians.
Therefore, vehicle financing proves to be more than a trend: it establishes itself as a strategic engine of the Brazilian automotive industry.
And you, do you believe financing will continue to be the main gateway for those dreaming of buying or trading their car in the coming years?
Seja o primeiro a reagir!