FIRMAT PLANAUTO S.A.

What FIRMAT PLANAUTO S.A. does

FIRMAT PLANAUTO S.A. (legal name: Firmat Planauto para Fines Determinados S.A. de Capitalización y Ahorro), commercially known as Planauto, is a privately held Argentine capitalization and savings company headquartered in Firmat, Santa Fe, founded in 1995 under regulatory approval from Argentina's Inspección General de Justicia de la Nación (IGJ Resolutions N° 1276/95 and N° 299/96). The company administers capitalization titles (títulos de capitalización y ahorro) under which individual subscribers pay monthly quotas over a 330-month (27.5-year) term toward a defined nominal value typically corresponding to a vehicle, while participating in monthly prize drawings; subscribers whose number is drawn receive the nominal value and stop paying. Planauto offers three core product lines: Plan Auto (cars from Chevrolet, Fiat, Ford, Nissan, Peugeot, Renault, Toyota, Volkswagen, and Chinese brands such as Tiggo, GWM, BAIC, JAC), Plan Moto (Honda, Yamaha, KTM, Bajaj motorcycles), and Plan Recambio (vehicle trade-in/upgrade). The associated mutual, Asociación Mutual Apla (founded 1999), provides supplementary benefits including telemedicine, life and health insurance, legal/accounting/tax advisory, and tourism discounts to subscribers.

The operating model rests on a regulated recurring revenue stream with three subscription components: a monthly commercial fee (cuota comercial) of 3 per mil of the nominal value, a monthly sweepstakes fee (cuota de sorteo) of 1 per mil, and a one-time subscription right fee (derecho de suscripción) of two commercial quotas. An additional revenue stream is generated from interest on mathematical reserve loans, where subscribers can borrow against accumulated savings. Planauto monetizes its plan base through a hybrid distribution model combining a network of official agencies and independent producer-advisors who conduct in-home sales consultations, a Virtual Agency (Agencia Virtual) self-service portal for payments and plan management, and broad payment-rail integration with Rapipago, Pago Fácil, Mercado Pago, MODO, Visa, Mastercard, Cabal, Maestro, and bank transfers via Pago Mis Cuentas. The company operates 9 physical offices across Argentina (Firmat HQ, San Salvador de Jujuy, San Miguel de Tucumán, Salta, Posadas, Neuquén, Trelew, Puerto Madryn, Concepción del Uruguay) and employs 83 people.

Name

FIRMAT PLANAUTO S.A.

Legal name

Firmat Planauto para Fines Determinados S.A. de Capitalización y Ahorro

Website

https://planauto.com.ar

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

FIRMAT PLANAUTO S.A. (Planauto) is a privately held Argentine capitalization and savings company, founded 1995 in Firmat, Santa Fe, that administers 330-month vehicle savings plans (Plan Auto, Plan Moto, Plan Recambio) for individual Argentine consumers through a nationwide official agency network and a virtual self-service portal.

Ownership category

akta.pro rank

Headquarters

HQ city

Firmat

HQ country

Argentina

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Monthly Commercial Fee (Cuota Comercial): Monthly subscription fee calculated as 3 per mil (3‰) of the Nominal Value of the title. Includes savings quota, sweepstakes quota, and administrative charge except for collection fees. Customers pay monthly installments over 330 months.
2. Sweepstakes Entry (Cuota de Sorteo): Monthly fee equivalent to 1 per mil (1‰) of the Nominal Value that grants the holder the right to participate in monthly prize drawings.
3. Subscription Rights (Derecho de Suscripción): One-time fee equivalent to two commercial quotas paid at the time of subscribing to the capitalization title.
4. Mathematical Reserve Loans: Customers can borrow against their accumulated savings (mathematical reserve), providing additional revenue from interest on these loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

FIRMAT PLANAUTO S.A. is an Argentine capitalization and savings company that sells subscription-based savings plans (Plan Auto, Plan Moto, Plan Recambio) under which individual subscribers pay monthly installments over 330 months toward a defined nominal value tied to a vehicle, while participating in monthly prize drawings where the drawn number receives the nominal value and ceases further payments. The company is regulated by Argentina's Inspección General de Justicia de la Nación under Resolutions N° 1276/95 and N° 299/96, and supplements its plans through a mutual benefit society (Mutual Apla) offering telemedicine, insurance, and advisory services.

Product overview

FIRMAT PLANAUTO S.A. is a capitalization and savings company offering three main savings plans—Plan Auto, Plan Moto, and Plan Recambio—that enable subscribers to acquire vehicles, motorcycles, or exchange their current vehicles through monthly installments over 330 months. Subscribers participate in monthly prize drawings where winning numbers receive the nominal plan value, eliminating further payments. The company provides access via a virtual agency portal (Agencia Virtual) for account management and payments, and supplements its offerings through Mutual Apla, a benefit club providing insurance, telemedicine, and advisory services. The company has operated for over 29 years and is regulated by Argentina's Inspección General de Justicia de la Nación.

Differentiator

Problem solved

Functional benefit

Brands

• Mutual Apla: Asociación Mutual Apla is an affiliated mutual society providing protection (telemedicine, life and health insurance), gestoría and advisory services, tourism, and exclusive discounts for Planauto members.

Products and services

• Plan Auto
• Plan Moto
• Plan Recambio
• Agencia Virtual Online self-service portal allowing Planauto subscribers to pay monthly quotas, view plan status, update personal information, print payment coupons, and access free 24/7 telemedicine services.
• Mutual Apla (Club de Beneficios) Asociación Mutual Apla is an affiliated mutual society providing Planauto members with benefits including free telemedicine, life and health insurance, vehicle acquisition assistance, legal/accounting/tax/financial advisory, tourism advisory, and exclusive discounts through the Club de Beneficios program.

Quantifiable outcome

• Monthly prize drawings provide opportunity to stop paying upon winning
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Partnerships

One partnership is on record.

• Mutual AplacoreStrategic or Co-development PartnerMutual Apla is an associated mutual providing additional benefits to Planauto subscribers. Apla offers services including free telemedicine, life insurance, health insurance, legal and accounting advice, financial advice, tourist services, and exclusive discounts for associated members. Planauto subscribers can access these benefits through the Club de Beneficios platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Plan Rombo: Argentine capitalization and savings plan administered for Renault vehicles; uses the same monthly quota + monthly prize draw structure over multi-year contracts, directly competing for the same vehicle-acquisition subscriber.
• Plan Ford: Ford Argentina's capitalization plan offering for Ford vehicles, structured around monthly quotas and periodic prize drawings in the same way as Planauto's Plan Auto.
• Plan Volkswagen: Volkswagen Argentina's capitalization plan, mirroring the monthly-savings-plus-draw mechanic that Planauto employs to deliver vehicles.
• Círculo de Suboficiales del Ejército: Argentine mutual association that historically administers capitalization/savings titles and consumer benefits to affiliated members; same regulatory category under IGJ and a similar recurring installment model.
• Plan Chevrolet: GM-backed capitalization plan in Argentina with analogous monthly installment structure and prize-draw adjudication mechanism for Chevrolet vehicles.

Broad incumbents

• Banco de la Nación Argentina: State-owned Argentine bank with nationwide personal lending, vehicle credit lines, and savings products; a broad incumbent competing for the same consumer vehicle-acquisition spend.
• Banco Macro: Large Argentine private bank offering consumer credit, payroll loans, and savings products that compete for the same household budgets Planauto targets with its vehicle savings plans.

Emerging players

• Mercado Pago: Argentine consumer fintech offering credit, installments, and savings adjacent to Planauto's recurring-payment model; represents a digital-native threat to traditional capitalization plans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PlanautoArg
• Instagraminstagram.com/planautoarg
• LinkedInlinkedin.com/company/planauto

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FIRMAT PLANAUTO S.A.