IPVA 2026: Pay in 12x Installments & Unlock Exclusive Benefits

The new year brings the traditional IPVA 2026 collection, a significant event for the country's automotive sector. With a fleet exceeding 120 million vehicles, including cars, motorcycles, trucks, and buses, the tax represents a major expense for owners.

For many, the timing is challenging, arriving amidst post-holiday financial pressure. However, a new digital solution is changing the landscape of tax payments. The Zul+ application, created by Estapar, allows drivers to manage this cost efficiently.

By offering parcelization in up to 12 installments on credit cards, the app transforms a heavy single expense into manageable monthly payments. This approach not only eases the immediate financial impact but also provides a suite of exclusive benefits for users.

IPVA is one of the largest recurring costs for vehicle owners in Brazil. State governments levy taxes ranging from 2% to 4% of the vehicle's value, creating a substantial dent in household budgets.

This financial obligation arrives at a specific moment of high expenditure. Following the festive season, families are often dealing with the costs of summer vacations and the purchase of school materials.

The concentration of the payment calendar in the first few months of the year exacerbates this pressure. States such as São Paulo, Minas Gerais, Rio de Janeiro, and Paraná are among those where the deadline approaches rapidly.

Consequently, the need for flexible payment options has never been more apparent. The ability to defer or split this cost can significantly alter a family's financial stability for the quarter.

Addressing this need, the Zul+ application introduces a streamlined method for settling tax debts. The platform allows users to parcelar o IPVA (pay IPVA in installments) up to 12 times using a credit card.

Heitor Chaves, Director of Products at Estapar, emphasizes the utility of this feature. He notes that installment payments help drivers organize their budgets and reduce the impact of the tax at the beginning of the year.

"O parcelamento do IPVA ajuda o motorista a organizar o orçamento, reduz o impacto no início do ano e permite uma relação mais equilibrada com as despesas obrigatórias."

The application is not limited to the vehicle tax alone. It also facilitates the parceling of licensing fees and fines, offering a centralized hub for vehicular financial obligations.

Transactions are designed to be simple and secure, with multiple payment methods available:

• Pix instant transfer
• Debit card payments
• Credit card installments
• Digital wallets

Paying through Zul+ offers more than just convenience; it provides tangible financial returns. In 2026, users who settle their IPVA via the app are eligible for a package of exclusive benefits.

These incentives are designed to offset future driving costs. The rewards program includes immediate cashback for fuel purchases and discounts on Blue Zones (Zona Azul) parking.

Furthermore, users receive a substantial credit within the app's rewards program, Vale Bônus. This credit amounts to R$ 250 and can be utilized at thousands of establishments.

The versatility of the Vale Bônus credit ensures it adds real value to the user's daily life, redeemable at:

• Various retail stores
• Restaurants and snack bars
• Service providers

The Zul+ ecosystem extends far beyond tax payments. It functions as a comprehensive vehicle management tool, offering services that streamline the daily life of drivers.

Currently, the IPVA payment feature is active in 13 states across Brazil. This wide coverage ensures that a large portion of the country's vehicle owners can access these benefits.

Supported States:

• São Paulo
• Minas Gerais
• Rio de Janeiro
• Espírito Santo
• Rio Grande do Sul
• Paraná
• Santa Catarina
• Mato Grosso
• Goiás
• Bahia
• Pernambuco
• Ceará
• Roraima

Beyond payments, the app provides the CRLV-e (Electronic Vehicle Registration and Licensing Certificate). It also offers a toll tag with no monthly fee, valid on all national highways.

Additional services include auto insurance from top providers and parking spot reservations at stadiums, arenas, and airports.

The introduction of flexible payment solutions like Zul+ represents a significant shift in how Brazilian drivers manage their annual tax obligations. By decoupling the large lump-sum payment from the immediate budget, the financial strain is significantly alleviated.

For the 2026 fiscal year, the combination of installment plans and reward incentives creates a compelling case for digital adoption. Drivers are encouraged to review the specific regulations and deadlines applicable to their state to maximize these opportunities.

Ultimately, the ability to transform a mandatory expense into a series of manageable payments—while earning fuel cashback and bonus credits—offers a pragmatic path to financial health for millions of vehicle owners.