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We are a credit broker, not a bank. No upfront fees.

DeutchCrediet

Loans

Car loan

A car loan lets you finance your vehicle independently of the dealer – and as a cash buyer you can often negotiate a better price.

Calculate & enquire How it works

Key terms at a glance

Loan amount
€2,500 to €100,000
Term
12 to 96 months
APR (depending on credit standing)
3.49 % to 12.99 %
Satisfied customer holding car keys in an auto repair workshop

Overview

A car loan is a purpose-bound instalment loan for buying a car, motorbike or camper. Because the purpose is fixed, banks often offer better terms than for general-purpose loans.

The term should match how long you plan to use the vehicle. Some banks hold the registration certificate part II as security until the loan is repaid in full.

Key facts

  • For new and used cars, including EVs
  • Independent of the dealer
  • Term matched to vehicle use
  • Fixed monthly instalment

Eligibility

  • At least 18 and resident in Germany
  • Regular income
  • Current account in Germany
  • Positive credit check by the bank
  • Purchase contract or binding offer for the vehicle

Typical documents

  • ID card or passport
  • Proof of income
  • Purchase contract or vehicle offer
  • Registration certificate part II if required
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.

How it works

  1. 1

    Set your budget

    Work out which instalment suits you – including insurance, tax and running costs.

  2. 2

    Send enquiry

    Enter the purchase price and desired term. Free and non-binding.

  3. 3

    Receive offers

    We compare suitable offers and explain all costs and conditions.

  4. 4

    Drive off

    After signing, the bank pays out – often directly to the seller.

FAQ

Can I finance a used car?

Yes. Many banks finance used cars; some apply an age limit to the vehicle. We check this for your specific offer.

How does this differ from dealer financing?

With a bank loan you are a cash buyer at the dealer and can negotiate discounts. Dealer financing can also be attractive – what matters is comparing the total cost.

Do I need a down payment?

Not necessarily. A down payment does reduce the loan amount, instalment and interest cost.

What happens to the registration certificate?

Depending on the bank, part II may be held as security and returned to you once the loan is repaid.

Calculate & enquire

Adjust amount and term and send your enquiry right away. The financing type is already selected.

Key terms at a glance

Loan amount
€2,500 to €100,000
Term
12 to 96 months
APR (depending on credit standing)
3.49 % to 12.99 %

Your loan enquiry

Your loan

Financing type: Car loan

€2,500€100,000

Term

For example: used car, new kitchen, heat pump

Your situation
Your contact details

For questions about your enquiry

Finish

We never ask for bank details, PINs, TANs or ID copies via a form.

Please note: a loan is a commitment for years. Only borrow what you could repay safely even if your circumstances change. Over-indebtedness can harm your creditworthiness for a long time. Already struggling with payments? Free help is available from recognised debt advice services, e.g. consumer advice centres, Caritas or Diakonie.

Other financing