Overview
- A joint communiqué announced Tuesday between Banco Nación and Volkswagen launched the '+Autos con BNA' program that offers personal loans of up to ARS 20 million for new Volkswagen 0 km vehicles.
- Loans are for 24 to 48 months with French amortization, cover vehicles priced up to ARS 60 million, are processed at participating Volkswagen dealerships, and remain subject to Banco Nación credit approval.
- Interest is explicitly tiered by relationship with the bank: payroll‑accredited customers face a TNA of 27% for 24 months and 30% for 30–48 months while non‑accredited applicants face TNAs of 37% and 40% for the same terms.
- The launch comes alongside an expanded digital refinancing channel that the bank says processed more than 62,000 restructurings in 2026 for over ARS 310 billion and offered online plans of up to 96–120 months in some products.
- The product increases borrower flexibility by being lien‑free but keeps risk control via credit screening, and it could widen access to new cars while shifting more payrolls to Banco Nación, a move that may affect banks' retail deposits and consumer debt quality.