Download Free Car Loan Agreement (Comodato) Template for Somahoz (Word/PDF)

If you are planning to lend your car to a family member, friend, or employee in Somahoz, Spain, doing it with a handshake is never a good idea. In Spanish legal terms, lending a vehicle for free is known as a Contrato de Comodato de Vehículo (Gratuitous Vehicle Loan Agreement). This essential private contract protects the owner from unexpected liability—such as speeding tickets, toll evasions, or even criminal charges tied to the vehicle—while legally granting the borrower the right to drive it. Whether you are navigating rural roads around Somahoz or heading onto the A-8 motorway, having this document in the glove compartment prevents major legal and bureaucratic headaches.

Instructions on how and where to submit it in Somahoz

Because a Contrato de Comodato is a private agreement between two parties, it does not need to be physically submitted to the Dirección General de Tráfico (DGT) to be legally binding. However, to ensure full legal protection and validity before Spanish authorities and insurance companies, follow these steps in and around Somahoz:

• Signing: Both the lender (comodante) and the borrower (comodatario) must sign and date every page of the agreement.
• DGT Notification (Recommended): While not strictly mandatory for a gratuitous loan, notifying the DGT of the regular driver (conductor habitual) through their official digital headquarters (Sede Electrónica de la DGT) or via a local gestoría in Cantabria ensures that fines are sent directly to the actual driver rather than the registered owner.
• Municipal Registry (Optional): If you wish to give the document a certified date (fecha cierta) to prevent fraud or disputes regarding the timeline, you can have the signatures validated before a Notary Public or register the contract digitally, though private signing between witnesses is usually sufficient for simple loans.

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT (COMODATO)

En Somahoz (Cantabria), a [Día] de [Mes] de [Año]

REUNIDOS / PARTIES

De una parte, D./Dña. [Nombre y Apellidos del Propietario], mayor de edad, con DNI nº [Número de DNI], y domicilio a efectos de notificaciones en [Dirección completa en Somahoz u otra localidad], en adelante el COMODANTE (Lender / Owner).

And on the other part, D./Dña. [Nombre y Apellidos del Conductor], mayor de edad, con DNI nº [Número de DNI], y domicilio en [Dirección completa], en adelante el COMODATARIO (Borrower / Driver).

Ambas partes se reconocen la capacidad legal necesaria para otorgar el presente documento, y a tal fin / Both parties mutually recognize their legal capacity to execute this document, and to this end:

EXPONEN / STATEMENTS

Primero. Que el COMODANTE es el actual propietario del vehículo cuyas características se detallan a continuación:
First. That the LENDER is the current owner of the vehicle detailed below:
- Marca / Make: [Marca, ej. Seat]
- Modelo / Model: [Modelo, ej. León]
- Matrícula / License Plate: [0000-XXX]
- Bastidor / VIN: [Número de bastidor]

Segundo. Que el COMODATARIO está interesado en el uso temporal y gratuito del citado vehículo, y el COMODANTE accede a cederlo bajo las condiciones estipuladas en este contrato.
Second. That the BORROWER is interested in the temporary and free use of the aforementioned vehicle, and the LENDER agrees to lend it under the conditions stipulated in this contract.

CLÁUSULAS / CLAUSES

Primera. Objeto y gratuidad. El COMODANTE cede en uso gratuito (comodato) al COMODATARIO el vehículo descritos en el expositivo primero. El presente contrato tiene carácter estrictamente gratuito; por tanto, no genera obligación de pago alguno en concepto de alquiler.
First. Object and gratuitousness. The LENDER yields for free use (comodato) to the BORROWER the vehicle described above. This contract is strictly gratuitous; therefore, it does not generate any payment obligation as rent.

Segunda. Duración. El presente contrato entra en vigor el día de la fecha y tendrá una duración de [Indicar duración, ej. 6 meses / Indefinida a falta de revocación]. El COMODANTE podrá reclamar la devolución del vehículo en cualquier momento si concurre causa justificada o necesidad urgente.
Second. Duration. This contract enters into force on the date hereof and shall last for [Indicate duration]. The LENDER may claim the return of the vehicle at any time if justified cause arises.

Tercera. Gastos de uso y mantenimiento. Serán de cuenta exclusiva del COMODATARIO todos los gastos derivados del uso del vehículo, tales como consumo de combustible, peajes, lavado, ITV (si caducara durante el periodo), así como las reparaciones derivadas de un mal uso o desgaste ordinario. El seguro obligatorio seguirá pagándolo el COMODANTE, si bien el COMODATARIO se obliga a cumplir con todas las condiciones de la póliza.
Third. Expenses and maintenance. All expenses derived from the use of the vehicle, such as fuel, tolls, washing, ITV, and ordinary maintenance, shall be borne exclusively by the BORROWER. Mandatory insurance shall continue to be paid by the LENDER, though the BORROWER must comply with the policy terms.

Cuarta. Infracciones y multas. El COMODATARIO asume íntegramente la responsabilidad por cualquier infracción de las normas de tráfico, seguridad vial o normativa municipal cometida durante el periodo de vigencia de este préstamo, comprometiéndose a abonar las multas y sanciones que pudieran imponerse.
Fourth. Infractions and fines. The BORROWER assumes full responsibility for any traffic or municipal infractions committed during the loan period, committing to pay all resulting fines and penalties.

Y en prueba de conformidad, ambas partes firman el presente contrato por duplicado en el lugar y fecha arriba indicados.
And as proof of conformity, both parties sign this contract in duplicate at the place and date indicated above.

Fdo. El Comodante (Lender): ___________________      Fdo. El Comodatario (Borrower): ___________________

Additional documentation required

To ensure that driving a borrowed vehicle in Somahoz and throughout Spain is completely trouble-free with police authorities (like the Guardia Civil de Tráfico), the borrower should always carry the following paperwork inside the vehicle:

• Permiso de Circulación (Registration Certificate): Proves who the legal owner of the vehicle is.
• Ficha Técnica (ITV Card): Contains the technical specifications and valid inspection stamps.
• Proof of Insurance: While physical receipts are no longer strictly mandatory to carry by law in Spain since databases check it electronically, having the latest receipt of the insurance policy (Recibo del Seguro) avoids delays during routine stops.
• Signed Copy of this Comodato Agreement: Highly recommended to have in the glove box, especially if the driver's surname differs from the owner's, to instantly clarify the legal possession of the car.

Expert Tip: Always double-check your car insurance policy before handing over the keys. Some Spanish insurance companies limit drivers under 25 years old or drivers with less than two years of driving license experience. If your borrower falls into these categories, call your insurance broker to add them as an occasional driver (conductor ocasional) to avoid any unpleasant surprises regarding coverage refusals in the event of an accident in Cantabria.