CaixaBank launches the Auto ECO loan to promote the purchase of sustainable vehicles

• The new financing solution applies to new or used vehicles with a CERO or ECO environmental label
• The loan offers a 2% discount from the very beginning, applicable throughout the whole life of the loan if the vehicle has the DGT environmental label
• This new service complements other mobility solutions promoted by CaixaBank, such as ‘Facilitea Coches’, the portal that enables financing of used vehicles in collaboration with dealerships and sector partners

CaixaBank has launched the new Auto ECO loan, a new loan aimed at consumers for the purchase of more sustainable vehicles—whether new or second-hand—including passenger cars, quadricycles, scooters, motorcycles, and commercial or passenger-derived vehicles (up to 3,500 kg MAM). The requirement is that the purchased vehicle must have a CERO or ECO environmental label issued by the Directorate-General for Traffic (DGT).

The loan offers a 2% discount, applicable immediately upon signing. To maintain this discount throughout the life of the loan, the customer must submit the vehicle’s technical sheet proving possession of the corresponding environmental label within three months of signing the loan. This ensures the discounted interest rate is applied at all times.

If the deadline is missed, the customer may submit the documentation later to regain the discount. If the vehicle has the environmental label, the discounted interest rate will be re-applied starting the month after the document is submitted, without retroactive effect.

To facilitate this process, CaixaBank offers its usual contact channels, both through its extensive branch network and via the CaixaBank app.

This new service complements other mobility solutions for customers promoted by CaixaBank, such as the ‘Facilitea Coches’ project—a portal for financing used and second-hand vehicles, in collaboration with dealerships and other sector partners. This initiative supports car sales in a secure environment with highly competitive financing conditions.

Decarbonising the sector

In addition to offering solutions that integrate sustainability criteria and promote sustainable consumption, CaixaBank supports various industrial and business sectors in investing in the development of sustainable projects through advisory services and access to necessary financing.

As part of its sustainability strategy, CaixaBank is committed to achieving net-zero emissions by 2050. To this end, it has set intermediate emission reduction targets for 2030 in its financing and investment portfolios in sectors with high greenhouse gas emissions, including the automotive sector, for which it has set a goal of reducing emission intensity by 33% by 2030, using 2022 as the baseline year.

To achieve this goal, CaixaBank has activated strategic levers aimed at boosting financing for specific projects related to the production of more efficient or electric vehicles, as well as steering its financing portfolio toward clients with lower CO₂ emissions impact.

Partnerships to transform mobility

Through CaixaBank Payments & Consumer, its subsidiary specialising in consumer finance and payment solutions, CaixaBank has renewed its alliance with Arval, a global leader in vehicle leasing and mobility solutions, through to 2030. The agreement aims to develop innovative financial solutions that facilitate access to more sustainable mobility.

This partnership is expected to finance 200,000 vehicles during this period, supporting mobility transformation in Spain and fleet renewal—resulting in safer vehicles and lower CO₂ emissions.

Since 2010, the alliance between CaixaBank and Arval has led to the sale of 180,000 vehicles in Spain.

A leading sustainability entity in Europe

CaixaBank is an institution with a strong historical commitment to the social impact of its activities and the responsibility to promote a positive economy for people’s well-being.

Following the launch of its 2025–2027 Sustainability Plan, part of CaixaBank’s Strategic Plan, the bank has committed to mobilising €100 billion in sustainable finance to continue progressing toward a more sustainable economy and support the economic and social development of individuals.

This includes financing renewable energy projects, clean mobility, and efficient buildings, providing solutions that accelerate the sustainable transition of businesses and families, promoting financial inclusion, supporting education and employment, and addressing the challenges posed by increasing longevity.

CaixaBank stands out in the evaluations of leading global analysts and rating agencies that assess sustainability management, performance, transparency, and integration into business operations, such as S&P Global, Fitch, MSCI, CDP, ISS ESG, Sustainalytics, and FTSE4 Russell.