G1 guide #2: how to choose between paying in cash, financing or consortium when buying a car

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Buying a car isn't just about choosing the model - it's about deciding how to pay. In this episode of the Guia g1 podcast, planner Paula Bazzo explains when it is better to pay in cash, finance or join a consortium - and how to avoid mistakes that weigh on the budget.
Whoever pays in cash eliminates debt and can get discounts or extra benefits at the dealership. On the other hand, it immobilizes a high value on an asset that depreciates over time, losing the income that this money could generate in investments.
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Financing is recommended for those who need the car immediately, but do not have the full value. It requires a down payment and charges interest - currently around 2% per month.
The consortium is interest-free, but charges an administration fee and reserve fund - and serves buyers who are not in such a hurry to have the vehicle, as it may depend on a draw or bid to release the letter of credit.
Bazzo also recommends that buyers pay attention to the Total Effective Cost (CET) of the financing - which includes interest, Tax on Financial Operations (IOF), insurance and fees - and evaluate the impact of inflation on the consortium, as the installments are adjusted by IPCA.
According to the financial educator, it is essential to compare equivalent plans (same value and term) and be wary of offers that promise "zero interest", as they tend to have high payments or short terms.
This episode was originally published on 11/10/2025.
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