AvailableBMW 320d Gran Turismo xDrive
M Sport, ACC, 360 cameras, 6WB, Hi-Fi
- 2019
- 163,829 km
- Diesel
- 190 hp
€20,490Previous price €21,490
VAT included, not deductible
from €329/month
VAT-free external credit
Financing for buying cars from within the European Union, under the tax rules that apply to your company. We check eligibility and help with the offer and the documents.
- 10–50%down payment
- 12–60 monthsfinancing term
- 24–48 hto approval
- 21%VAT saved on purchase
Why choose VAT-free external credit
Financing on the net value
The credit is calculated on the car's net value, which can reduce the amount financed compared with a classic scenario with VAT included.
Your company becomes the owner
The car is bought directly by the company, and ownership belongs to your company from the moment of purchase.
A clear cost structure
You receive the financing offer with the down payment, estimated payment, interest and related costs before you submit the application.
What is VAT-free external credit?
VAT-free external credit lets eligible companies finance the purchase of a car from the European Union starting from the net value, under the tax conditions that apply.
Purchase from the EU
The financing is meant for buying cars from eligible suppliers in the European Union.
Direct invoicing
The purchase documents are issued according to the structure of the transaction and the tax conditions that apply.
Payment to the supplier
The lender pays the approved amount directly to the supplier, as set out in the contract.
VAT treatment
We check the conditions for buying at net value and the tax obligations that apply in Romania.
Who can apply?
Financing is available to eligible companies, depending on the company's profile, its financial position and the car's characteristics.
Company type
Financing for companies registered in Romania, on the terms set by the lender.
Valid VAT number
We check the VAT registration and the validity of the number in VIES, where applicable.
Ability to pay
The lender reviews the financial position and the ability to repay.
Car eligibility
The car's age, value and supplier must meet the lender's conditions.
Eligibility and final terms are set after the lender's review. Approval is not guaranteed.
Is your company newly founded? See the leasing options available
How it works
Send the company and car details
Tell us the company, the model you want and the car's specifications.
Receive the financing offer
We present the financing structure, with the down payment, estimated payment and the main costs.
Send the documents and sign
You submit the documents requested, and after approval you sign the contract and pay the down payment.
Payment and delivery
The lender pays the supplier, and the car is delivered to your company.
Estimate the payment
Enter the car's net value, the down payment and the term. Interest applies to a balance 21% lower than with a finance lease.
Interest: 3.99% + EURIBOR 3M (2.5%) = 6.49% a year
Costs not included, communicated separately: insurance, registration, transport, review and other fees, depending on the offer. An indicative simulation, not a firm offer. The final offer, with every cost detailed, comes after the application is reviewed.
Documents needed
The documents you need for the application:
- Registration certificate and company identification details (CUI)
- Articles of association
- ID documents of the administrator and shareholders
- Financial statements: balance sheet and trial balance, if the company has them
- The car's documents and the supplier's offer
- Other documents, if the lender requests them
Request an offer
The calculator figures fill in by themselves and you can change them. Approval usually takes 24–48 hours.
Cars available in stock
Drivepoint cars available now, with the price and the VAT scheme shown on each.
- Available
ReservedBMW X4 G02 M40d xDrive
M Sport Diff, Adaptive M Chassis, ACC, HK, Parking 360
- 2021
- 139,137 km
- Diesel MHEV
- 340 hp
€31,490
VAT included, not deductible
from €506/month
AvailableMINI Cooper S F56
GT Limited Edition, JCW Trim, Panoramic, HK, Adaptive LED
- 2019
- 148,000 km
- Petrol
- 192 hp
€16,490
Previous price €17,490VAT included, not deductible
from €265/month
AvailableBMW 530i G30 xDrive
Ventilated comfort seats, Adaptive LED, 360 cameras, HUD
- 2018
- 189,000 km
- Petrol
- 252 hp
€21,490
21% VAT included, deductible · €17,760 excl. VAT
from €285/month
AvailableSkoda Octavia Combi RS Plus
Panoramic roof, ACC, Matrix, Massage, Adaptive suspension
- 2022
- 135,000 km
- Diesel
- 200 hp
€23,880
Previous price €27,49021% VAT included, deductible · €19,736 excl. VAT
from €317/month
AvailableFord Ranger Raptor
FOX Suspension, Matrix LED, B&O, 360° cameras
- 2022
- 43,500 km
- Petrol
- 292 hp
€53,490
21% VAT included, deductible · €44,207 excl. VAT
from €711/month
AvailableBMW 530e G30
M Sport, Adaptive LED, 360 cameras, Display Key
- 2020
- 204,600 km
- Petrol PHEV
- 292 hp
€22,490
Previous price €22,990VAT included, not deductible
from €361/month
AvailableBMW 730d G11 LCI
M Sport, xDrive, Sunroof, Adaptive LED, Soft Close
- 2021
- 184,900 km
- Diesel MHEV
- 286 hp
€39,490
21% VAT included, deductible · €32,636 excl. VAT
from €525/month
AvailableBMW X5 45e G05
M Sport, xDrive, Air suspension, Panoramic roof, Laserlight
- 2020
- 215,000 km
- Petrol PHEV
- 394 hp
€37,990
21% VAT included, deductible · €31,397 excl. VAT
from €505/month
Can't find the model you want?
We search by budget, engine and equipment, inspect the car and present it to you before you buy.
Car sourcingIs your company newly founded?
There is a leasing option for companies without an annual balance sheet, with its own conditions.
Leasing for new companiesWhat our customers say
Real experiences from people who chose Drivepoint.
Nota 10, totul transparent, profi, cu rabdare si bun simt, masini premium, cu istoric clar, fara emotii. Recomand
Serioși, transparenți și foarte amabili! Am achiziționat un BMW X5, istoric clar, raport calitate preț corect! Mi-au prezentat toate serviciile pe care le ofera si au fost alaturi de mine cu toate!
Am adus o mașină pe comandă prin Drivepoint și tot procesul a decurs foarte bine. M-au ajutat cu alegerea, verificarea și aducerea mașinii, iar comunicarea a fost clară pe tot parcursul. Recomand!
Super bune servicii si produse! Pe langa ca masina este tipla, băieții se mișca super rapid si te ajuta cu absolut tot ce ai nevoie, in cazul meu a fost Leasing, nu a trebuit sa vorbesc cu nimeni de la banca, doar am semnat😀
Am achizitionat o masina si am fost multumit de interactiunea cu vanzatorul. A fost deschis la o negociere usoara si m-a ajutat inclusiv cu raportul de daune pentru a vedea istoricul masinii. Recomand!
Experiență foarte bună. Totul a fost clar, rapid și fără complicații, iar mașina a fost exact cum mi-a fost prezentată. Recomand!
Super experiență am avut. Sunt la a 3-a achizitie intermediata de drivepoint. Si de data asta totul a decurs rapid, transparent și profesional. Recomand cu încredere această companie!
Tot procesul a fost simplu și transparent, de la alegerea mașinii până la acte și livrare. Recomand!
Frequently asked questions
What is VAT-free external credit?
It is financing for companies buying a car from an EU supplier, calculated on the car's net value. It has the structure of a loan, not of a finance lease. The exact terms are in the lender's offer.
Who can apply for the financing?
Companies with a valid VAT number that meet the lender's criteria. These differ from case to case; we check eligibility before the offer and cannot guarantee approval.
Is a valid VAT number required?
Yes. For an intra-Community supply without VAT the company needs a valid VAT number, which we check in VIES where it applies.
Does it mean I no longer pay VAT?
Not necessarily. The foreign invoice can be without VAT, but the intra-Community acquisition is declared in Romania, where VAT is due and, if the company has the right to deduct, can be deducted within the limits of the law. For cars the deduction is 50% or 100%, depending on use. Confirm with your accountant.
Who owns the car?
Your company owns the car directly, from the moment of purchase.
What is the interest rate?
Interest is 3.99% + EURIBOR and applies to a balance 21% lower than with a finance lease, because the financing starts from the net value. The final offer, with every cost detailed, comes after the application is reviewed.
How long does approval take?
Approval usually takes 24–48 hours, and the whole process 2–5 working days on average from the moment the documents are submitted.
What are the costs of the financing?
Interest is 3.99% + EURIBOR; any fees and separate costs appear in the offer with every cost detailed. The calculator on the page is a simulation, not a firm offer.
Can I buy a car from Germany?
In principle yes, if the supplier can invoice under the rules of an intra-Community supply and the car and the company fit the lender's requirements. We check the supplier and the car before the offer.
What documents are needed?
Usually the company's identification details, articles of association, ID documents of the administrator and shareholders, financial statements and the car's documents. The lender confirms the final list.
Can I repay early?
It depends on the financing contract. The conditions for early repayment, including any fee, are in the lender's offer.
How is it different from a finance lease?
The credit has the structure of a loan: the buyer is usually the owner from the purchase. With a finance lease, the lender stays the owner until the last obligation is paid. Accounting and tax treatment differ, so check with your accountant.