Free Car Loan Agreement Template in Cangas (Word/PDF): Download and Legal Guide

Are you planning to lend your car to a family member, a friend, or an employee in Cangas without charging rent? In Spain, doing this informally can lead to severe tax and administrative penalties from the DGT (Directorate-General for Traffic) or the Tax Agency. To legally protect yourself and the driver, you need a specific document known as a Contrato de Comodato de Vehículo (Gratuitous Vehicle Loan Agreement). This article explains how this concept works under Spanish law and provides a ready-to-use bilingual template tailored for residents in Cangas.

Instructions on how and where to submit it in Cangas

Unlike a vehicle sale, a gratuitous loan contract does not strictly need to be registered at the DGT to be valid between private parties; however, doing so or notifying the traffic headquarters prevents major headaches. Here is how to handle the bureaucracy in and around Cangas (Pontevedra):

• Private Execution: The easiest and most common way is for both the lender (comodante) and the borrower (comodatario) to sign the private agreement provided below in duplicate. Both parties should keep a signed copy in the vehicle at all times.
• Optional DGT Notification (Cambio de Conductor Habitual): If the borrower is going to use the vehicle continuously for more than 30 days, it is highly recommended to register them as the "Habitual Driver" at the DGT provincial headquarters in Pontevedra (Jefatura Provincial de Tráfico de Pontevedra). This ensures that fines are correctly notified and prevents liability disputes.
• Notary Public: If you want maximum legal security, you can take the signed contract to a local notary in Cangas to have the signatures officially notarized (notarización de firmas).

CONTRATO DE COMODATO DE VEHÍCULO (PRÉSTAMO GRATUITO) / GRATUITOUS VEHICLE LOAN AGREEMENT

En Cangas (Pontevedra), a [Día] de [Mes] de [Año]. / In Cangas (Pontevedra), on [Day] of [Month], [Year].

REUNIDOS / PARTIES

De una parte, D./Dña. [Nombre del Propietario], mayor de edad, con DNI [DNI del Propietario] y domicilio en [Dirección en Cangas], en adelante el COMODANTE (Propietario).
On the one hand, Mr./Ms. [Owner's Name], of legal age, with ID [Owner's ID] and address at [Address in Cangas], hereinafter the LENDER (Owner).

Y de otra parte, D./Dña. [Nombre del Prestatario], mayor de edad, con DNI [DNI del Prestatario] y domicilio en [Dirección], en adelante el COMODATARIO (Usuario).
And on the other hand, Mr./Ms. [Borrower's Name], of legal age, with ID [Borrower's ID] and address at [Address], hereinafter the BORROWER (User).

Ambas partes se reconocen mutua capacidad legal para otorgar el presente contrato y / Both parties mutually recognize their legal capacity to enter into this agreement and

EXPONEN / DECLARE

PRIMERO. Que el COMODANTE es el actual propietario del vehículo cuyas características son: / That the LENDER is the current owner of the vehicle with the following characteristics:
- Marca / Make: [Marca]
- Modelo / Model: [Modelo]
- Matrícula / License Plate: [Matrícula]
- Bastidor / VIN: [Número de Bastidor]

SEGUNDO. Que el COMODANTE cede de forma gratuita el uso del citado vehículo al COMODATARIO, y éste lo acepta, bajo las siguientes: / That the LENDER gratuitously assigns the use of the aforementioned vehicle to the BORROWER, who accepts it, under the following:

CLÁUSULAS / CLAUSES

PRIMERA (Gratuidad / Gratuitousness): El presente contrato es de carácter estrictamente gratuito. Queda prohibida cualquier contraprestación económica por el uso del vehículo. / This contract is strictly gratuitous. Any financial compensation for the use of the vehicle is prohibited.

SEGUNDA (Duración / Duration): El préstamo del vehículo tendrá una duración de [Indicar duración, ej: 1 año / Indicar fecha de inicio y fin] a partir de la firma de este documento. / The vehicle loan shall last for [Indicate duration] starting from the signing of this document.

TERCERA (Uso autorizado / Authorized Use): El COMODATARIO se compromete a utilizar el vehículo exclusivamente para fines particulares/laborales, respetando en todo momento las normas de tráfico y seguridad vial. Queda prohibido ceder el uso del vehículo a terceros. / The BORROWER undertakes to use the vehicle exclusively for private/work purposes, respecting traffic and road safety regulations at all times. Subleasing or lending the vehicle to third parties is prohibited.

CUARTA (Gastos y Multas / Expenses and Fines): Serán de cuenta del COMODATARIO todos los gastos derivados del uso del vehículo, tales como carburante, peajes, mantenimiento rutinario, así como el pago de todas las multas o sanciones de tráfico que se impongan durante el periodo de vigencia de este préstamo. / The BORROWER shall bear all expenses derived from the use of the vehicle, such as fuel, tolls, routine maintenance, as well as the payment of all fines or traffic penalties imposed during the term of this loan.

Y en prueba de conformidad, firman el presente documento por duplicado en el lugar y fecha arriba indicados. / And as proof of conformity, they sign this document in duplicate at the place and date indicated above.

Fdo. El Comodante / Signed (Lender)          Fdo. El Comodatario / Signed (Borrower)

Additional documentation required

To ensure that the loan of the vehicle is fully compliant with Spanish traffic and insurance regulations in Cangas, make sure the following documents accompany the template:

• Valid Mandatory Insurance (Seguro de Coche): The vehicle must have an active compulsory civil liability insurance policy. Crucial Expert Tip: Inform your insurance company that another person will regularly drive the car. If an accident occurs and the driver is not declared on the policy (especially if they are young or newly licensed), the insurance company might try to claim right of recovery (derecho de repetición) for damages.
• Vehicle Documentation: The original Permiso de Circulación (Registration Certificate) and Tarjeta de Inspección Técnica (ITV card, with the up-to-date ITV sticker displayed on the windshield).
• Valid Driving License: The borrower must possess a valid driving license recognized in Spain.
• Identity Documents: Copies of the DNI or NIE of both the owner and the borrower attached to the contract.

Closing paragraph with expert tips

Drafting and signing a Contrato de Comodato is a simple yet powerful safeguard. For residents in Cangas, keeping this signed agreement in the glove compartment alongside the vehicle's papers will instantly clarify any roadside police check regarding who owns the car and why you are driving a vehicle registered under a different name. Furthermore, in the event of speed camera tickets or parking fines issued by the Concello de Cangas, this document makes the identification process straightforward, ensuring that the actual driver assumes their legal and financial responsibilities without harming the vehicle owner's record.