Used car financing without down payment

One Used car financing without down payment is available via a Vario financing, a Car leasing, a car subscription or one car loan possible. The monthly installments are calculated with the Vario financing, the car subscription and car leasing very low. With a car loan, on the other hand, the monthly installments are higher. This is because you pay off the car with a car loan. The car therefore becomes your property. On the other hand, with both subscription and leasing models, as well as Vario financing, you only pay for the depreciation of the car. This means that you do not own the car later.

Vario Finanzierung bedeutet dass nur der Wertverlust des Autos finanziert wird. Daher sind die Raten geringer
Vario financing means that only the depreciation of the car is financed. Car leasing, car, subscription are similar. Therefore, the installments are lower, but the car does not belong to you later and you have to pay another contract.

You can get a Used car financing without down payment also build yourselfby financing the down payment of the financing through a loan. For this we recommend Smava* or bon credit*.

5 ways to finance a used car without down payment

1.) Vario financing: The classic used car financing without down payment

One Vario financing is a Car financing with low rates, which at the same time without a down payment gets by. Vario financing is common for new cars, but is also available to used car buyers. The advantage of low rates and the missing deposit stand the High final installment at the end of the term against.

Car dealerships like MyCar* also offer Vario financing without a down payment. Although these are new cars, they are heavily discounted. Therefore, Vario financing from My Car is a good alternative to used car financing without a down payment. At Car dealership24 on the other hand is even Vario financing for used cars possible without a down payment. You should check whether this is worthwhile in view of the high discounts.

Vario without down payment at MeinAuto
Vario without down payment at MeinAuto

When does Vario financing make sense?

Vario financing is aimed in particular at people with flexible lifestyles who like to try out new things. Vario financing is particularly well suited to...

  1. if you don't have the money for a down payment.
  2. if you are not yet sure about your dream car.
  3. if you would like to try out different brands and models without making a long-term commitment.
  4. but also if you need planning security and want to know the later purchase price in advance.
  5. especially if you are self-employed and can deduct the cost of the car.

When is a "vario" unsuitable for you?

Vario financing doesn't make sense for you,

  1. if you don't enjoy trying out new cars.
  2. but also if it is important to you to get from A to B as cheaply as possible.
  3. if you want to make any modifications to the car (trailer hitch, new boxes, sleeping accommodation).
  4. if you want to become the owner of the car.

2.) A used car financing without down payment with a car subscription

Car subscriptions offer several advantages over owning a car and are therefore particularly popular with people who do not want to make a long-term commitment. In contrast to a leasing contract, the lessor takes care of everything for you with a car subscription. In the monthly rate are therefore also Insurance premiumsThe price includes all services, such as tire change, registration, taxes and any maintenance and repairs. Therefore, with a car subscription you can order your car, have it delivered and start driving right away.

Self-employed and entrepreneurs can also save taxes with a car subscription. Because the costs for the car subscription are depreciable.

If you need financing with a bad credit rating or negative Schufa, you can rely on the providers of Finn* or VW* because a bad Schufa is not an exclusion criterion here. Further providers to the Auto subscription despite negative credit bureau can be found in the linked article.

In this article, we'll show you the 5 best providers if you're looking for a Auto subscription despite negative credit bureau you would like to conclude. These providers enable you to be mobile in financially difficult situations.

When does a car subscription make sense?

A car subscription financing is aimed at people who only need a car for a short time. But also as a permanent solution, a car subscription is suitable for people who constantly want to try something new. Especially well suited is a car subscription for you,.

  1. if you want to have an all-inclusive contract.
  2. if easy and fast progress is important to you.
  3. as long as you want to stay flexible and buying a car is too inconvenient for you.
  4. in case you want to change the car more often.
  5. in the event that you soon move to another city or abroad and therefore a car purchase is out of the question.
  6. but also if you are self-employed and can deduct the cost of the car.

When is a car subscription unsuitable for you?

However, a car subscription does not make sense for you,

  1. unless you enjoy trying out new cars.
  2. if you want to compare rates for insurance yourself.
  3. especially if it is important to you to get from A to B as cheaply as possible.
  4. but also if you might want to make modifications to the car (trailer hitch, new boxes, sleeping accommodation).
  5. last but not least, if you want to become the owner of the car.

3.) A used car financing without down payment with Car Leasing

Also a Car Leasing allows you to finance a used car without a down payment. About Car dealership24 or Leasing market you will find many providers who will also finance a used car at a reasonable price. In contrast to the car subscription, you pay with a car leasing insurancetax and registration yourself. However, this also gives you more choices in the selection of providers, which you can use to your advantage.

Another advantage in car leasing is that the Costs tax deductible can be made. Thus, car leasing is particularly worthwhile for the self-employed and entrepreneurs who can take advantage of these opportunities.

If you have a bad credit rating and a Car leasing without Schufa you should be very careful when leasing a car. We looked at a few providers and found that many are not reputable. They often charge too high fees for little or no service.

Therefore, in this article we have 7 credit free car leasing providers on seriousness checked. Many providers of car leasing without Schufa act only as an intermediary and charge you additional fees. Sometimes even without you getting a car.

Car dealerships like MyCar offer car leasing without a down payment. Although these are new cars, they are heavily discounted. Therefore, the leasing offer from My Car is a good alternative to used car financing without a down payment. At Car dealership24 on the other hand is even Vario financing for used cars possible without a down payment. You should check whether this is worthwhile in view of the high discounts.

Leasing without down payment at MeinAuto
Leasing without down payment at MeinAuto
Conditions example leasing without down payment at MeinAuto
Conditions example leasing without down payment at MeinAuto

When does a car lease make sense?

Car leasing is aimed at people who want to try something new more often. Self-employed people appreciate tax structuring options when leasing.

Car leasing is especially good for you,.

  1. as long as easy and fast progress is important to you.
  2. if you want to compare rates for insurance yourself.
  3. as long as you want to stay flexible and buying a car is too inconvenient for you.
  4. if you want to change the car more often.
  5. if you are moving to another city or abroad soon and therefore buying a car is out of the question.
  6. but also if you are self-employed and can deduct the cost of the car.

When is a car lease unsuitable for you?

Car leasing, on the other hand, doesn't make sense for you,

  1. if you don't enjoy trying out new cars.
  2. if it is important to you to get from A to B as cheaply as possible.
  3. but also if you want an older used car.
  4. if you want to make any modifications to the car (trailer hitch, new boxes, sleeping accommodation).
  5. in case you want to become the owner of the car.

4.) A used car financing without down payment with a car loan

A Car loan without Schufa is well suited to setting up used car financing without a down payment in difficult cases. However, for this come No classic branch banks in question, as they do not play along with credit without a credit history.
Instead, only specialized financial institutions, which can still grant loans even in difficult cases.

If you would like more specific information about used car financing without a down payment, we recommend an inquiry at Smava* or bon credit*.

You can find more providers in the article "Car loan without Schufa". The registration certificate part 2 (vehicle title) usually does not have to be deposited with the car loan without Schufa. As with the Car loan without vehicle registration you retain flexibility in the event of a later sale. We advise you to keep the registration certificate part 2 with a car loan and not to assign it to the bank.

We advise to keep the registration certificate part 2 in case of a car loan and not to assign it to the bank.

In the case of a car loan with a poor credit rating, interest rates range from 5 to 10 %, resulting in monthly payments starting at around €200 for financing without a down payment for a cheaper used car.

A big advantage of the car loan in used car financing is that you become the owner of the car. Thus, your monthly installments contribute to the fact that you pay off the car and that it belongs to you in the end. With a car subscription, car leasing or vario financing, you are legally only the owner. The terms owner and owner are used synonymously in everyday life, but legally there is a big difference.

Difference owner and owner of a thing

info

A Owner of a thing is who can access them. Thereby the thing is thus within the sphere of influence of the owner. In contrast, the Ownership of a thing the right of exploitation and dominion over a thing. With the right of exploitation, the owner may sell the thing. If the owner uses the thing himself, he is the owner at the same time.

When does car financing make sense?

Car financing is aimed at people who know what kind of car they want. The car becomes your property, which significantly reduces costs in the long term. In addition, having your own car gives you more freedom when it comes to choosing a repair shop and making additions and modifications. Car financing is particularly well suited to...

  1. if you want to avoid a down payment or you simply don't have the money for it.
  2. if you want to finance a used car without down payment and final installment
  3. when you yourself Compare rates for insurance would like
  4. if you want to make additions or modifications (trailer hitch, new boxes, sleeping accommodation)
  5. if you want to become the owner of the car.
  6. if it is important to you to get from A to B as cheaply as possible.
  7. but also if you want an older used car.

When is car financing unsuitable for you?

Auto financing is for people with a longer-term planning horizon. It doesn't make sense for you,

  1. if you want to have an all inclusive contract
  2. If you're moving abroad soon
  3. but also if you want to change the car more often

5.) Used car financing without down payment with a Dealership Financing

One Used car financing without down payment is also possible via car dealership financing. Although we have mentioned in the article Buy a car on installments despite negative credit bureauThe suppliers require a small down payment of between €350 and €750, but there are also ways of circumventing the down payment by constructing the system yourself.

In order to make a used car financing without a down payment nevertheless possible, there is namely the possibility to make the down payment via Smava* or bon credit* to finance. For smaller amounts below € 500 is also suitable free of charge mini loan from cashier*.

These down payments are what car dealerships require for direct financing:

  • Your dream car in Lower Saxony: from 350 € deposit
  • Auto Scheldt in North Rhine-Westphalia: from 500 € deposit
  • Autocentrum Rheydt in North Rhine-Westphalia: from 750 € deposit

Other alternatives to the Used car financing despite negative credit bureau can be found in the linked article. There you will also find out how you can still finance a used car despite the rejection of the loan.

Vario financing vs. car subscription vs. leasing vs. car loan

One Used car financing without down payment is available via a Vario financing, a Car leasing, a car subscription or one car loan possible. The monthly installments are very low with Vario financing, car subscription and car leasing. With a car loan, the monthly costs are significantly higher. This is because with a car loan you pay off the car. On the other hand, with both subscription and leasing models, as well as with Vario financing, you only pay for the depreciation of the car.

In the following table you will find the most important differences between a Vario financing, car leasing, a car subscription, as well as a car loan at a bank or the car dealership directly.

Vario financingcar subscriptionCar leasing Car financing through a bank or credit intermediaryCar financing through a car dealership
Vario financing down payment:

Financing without down payment

Car subscription deposit:

Financing without down payment

Car lease down payment:

Financing without down payment

Financing (bank) Down payment:

Financing without down payment

Financing (dealership) Down payment:

Financing possible without down payment if the down payment is paid via a separate loan

Vario financing monthly installments:

very low

Car subscription monthly rates:

very low

Car leasing monthly rates:

very low

Financing (bank) monthly installments:

somewhat higher

Financing (car dealership) monthly installments:

somewhat higher

Vario financing Terms:

12 - 60 months


Car subscription terms:

12 - 36 months


Car leasing terms:

12 - 60 months


Financing (bank) Terms:

12 - 120 months


Financing (bank) Terms:

12 - 36 months


Vario financing damages:

Damage must be reported to the lessor and can cause high additional costs


Car subscription damages:

Damage must be reported to the lessor and can cause high additional costs


Car leasing damages:

Damage must be reported to the lessor and can cause high additional costs


Financing (Bank) Damages:

The repair of damage is your own responsibility


Financing (car dealership) Damage:

The repair of damage is your own responsibility


Vario financing tax:

Rates for self-employed fully deductible (rates are 100% costs).


Car subscription tax:

Rates for self-employed fully deductible (rates are 100% costs).


Car leasing tax:

Rates for self-employed fully deductible (rates are 100% costs).


Financing (bank) Tax:

Only interest portion of installments deductible for self-employed, car belongs to you and is depreciable


Financing (bank) Tax:

Only interest portion of installments deductible for self-employed, car belongs to you and is depreciable


Vario financing purchase:

Option to purchase at the end of the term


Car subscription purchase:

No purchase possible, The car must be returned to the dealer at the end of the contract


Car leasing purchase:

No purchase possible, The car must be returned to the dealer at the end of the contract


Financing (bank) Purchase:

Loan installments finance the purchase price from day one


Financing (car dealership) Purchase:

Loan installments finance the purchase price from day one


Vario financing return:

Return of the car to the lessor possible at no additional cost at the end of the term, but not obligatory



Vario financing planning security:

The purchase price is fixed at the beginning, which creates planning security.


Car subscription return:

Return of the car to the lessor at the end of the term mandatory


Car lease return:

Return of the car to the lessor without additional costs Term obligatory


Financing (Bank) Return:

No return possible, but you can sell the car


Financing (car dealership): Return

No return possible, but you can sell the car


Vario financing total cost:

High total cost, as no down payment is made and the installment only covers depreciation.



Car subscription total cost:

High total cost, as no down payment is made and the installment only covers depreciation.


Car leasing total cost:

High total cost, as no down payment is made and the installment only covers depreciation.


Financing (bank) Total cost:

Lower overall cost because you pay off the vehicle with the installment.


Financing (dealership) Total cost:

Lower overall cost because you pay off the vehicle with the installment.


Vario financing final installment:

High final installment when the car is bought off at the end "balloon payment".


Car subscription final installment:

No redemption possible


Car leasing final installment:

No redemption possible


Financing (bank) Final installment:

Used car financing without down payment and final installment


Financing (bank) Final installment:

Used car financing without down payment and final installment


Vario financing extra kilometers:

High surcharge for additional kilometers


Car subscription extra kilometers:

High surcharge for additional kilometers


Car leasing excess mileage:

High surcharge for additional kilometers


Financing (bank) excess mileage:

Additional kilometers are not tracked and are therefore without additional payment


Financing (car dealership) Multimile:

Additional kilometers are not tracked and are therefore without additional payment


Vario financing dealing with the car:

Careful handling of the car is absolutely necessary


Car Abo Handling the car:

Careful handling of the car is absolutely necessary


Car leasing dealing with the car:

Careful handling of the car is absolutely necessary


Financing (bank) handling the car:

The car is yours and you can decide for yourself how to handle it


Financing (car dealership) Handling the car:

The car is yours and you can decide for yourself how to handle it


Vario financing property:

Car is not paid off and therefore it does not become your property


Car subscription property:

Car is not paid off and therefore it does not become your property


Car leasing property:

Car is not paid off and therefore it does not become your property


Financing (bank) property:

Car is paid off and is then your property


Financing (car dealership) Property:

Car is paid off and is then your property


Vario financing changes:

Modifications to the car, tuning or attachments are not possible


Car subscription changes:

Modifications to the car, tuning or attachments are not possible

Car leasing changes:

Modifications to the car, tuning or attachments are not possible

Financing (Bank) Changes:

Modifications to the car, tuning or attachments are possible

Financing (dealership) Changes:

Modifications to the car, tuning or attachments are possible

Requirements for down payment free financing

Used car financing, can be done through the options highlighted above. Even if the requirements and conditions differ slightly in each case, you must have a fixed German residence have be of legal age and about a stable income have. Direct car dealer financing has the lowest income requirements. Often pensioners, Hartz IV recipients and people in part-time or Aufstocker with precarious employment are accepted. Of course, the installments for the car must still be affordable and also be afforded.

These are 4 basic prerequisites for used car financing with no down payment in detail:

1.) You need a German identity card, a Residence within Germany and a German account.

Voraussetzungen Gebrauchtwagen-Finanzierung ohne Anzahlung

2.) In addition, you must of legal age its

Voraussetzungen für eine anzahlungsfreie Finanzierung: Volljährig

3) With a used car financing without down payment, the monthly installments are higher than with a comparable financing with down payment. Therefore you need a stable monthly income.

Verlässliches Einkommen als Voraussetzungen für eine anzahlungsfreie Finanzierung
reliable income

4. ) Where from you draw the income plays a role in the Financing through a car dealership nur role is of secondary importance. People with Hartz 4 or mini-jobs are also accepted here. But also Self-employed used car financing is available through Autohaus Direktfinanzierungen.

Gebrauchtwagen Finanzierung ohne Anzahlung: Eine Direktfinanzierung von einem Autohaus steht auch Personen in prekären Beschäftigungsverhältnissen offen
Direct financing from a car dealership is also open to those in precarious employment

However, if you have a car subscription or a Car Leasing you should have a permanent employment relationship with a company that From 12 months or longer. Here also only workers, employees, civil servants, pensioners and retirees are accepted.

Used car financing without down payment and final installment

You can achieve used car financing without a down payment and final installment if you have a Credit instead of leasing or subscription uses. With a car loan you work Unlike leasing or subscription models already from the first day of paying off the loan.

However, this also has the consequence that the monthly installments with the car loan higher than with a car lease. This is because with leasing, the monthly installments are kept low by the subsequent final installment. Financing a used car without down payment and final installment therefore has a higher monthly rate as a result. Nevertheless, the costs are lower overall, since you reduce the remaining loan amount each month through repayment.

You have the following options for used car financing without down payment and final installment

1) Fully finance the used car through credit.

The easiest way to get used car financing without a down payment and final installment is to take out a loan before going to the dealership. To remain flexible in the event of a later sale, we recommend the Car loan without car registration Deposit with the bank. You can take out this loan before you buy the car. In addition, such a loan gives you more freedom in the event of a possible sale of the car, and avoids a costly release of the registration certificate part II (KFZ letter).

If you have a bad credit rating, even a Car loan without Schufa from bon credit* can be concluded. Here, too, no deposit of the registration certificate part II is required. Compared to financing through a car dealership, you are much freer to choose a car with a loan that you conclude yourself. Often you can also choose much cheaper cars.

In any case, make sure that you are not offered residual protection insurance (RSV). This often has high Protective contributions and little benefit to you.

2) Finance remaining down payment via loan

You can also obtain used car financing without down payment and final installment by using the Installment purchase of a car through the car dealership and the remaining down payment through a Loan cover.

For the credit, the same applies here as under point 1.

3) Leasing zur Gebrauchtwagen Finanzierung ohne Anzahlung und Schlussrate

Car dealerships like MyCar* bieten Autoleasing auch ohne Anzahlung und Schlussrate an. Es handelt sich hierbei aber vorwiegend um Neuwagen. Der Anbieter bietet aber hohe Neuwagenrabatte an, weshalb das Leasing eine gute Alternative zur Gebrauchtwagen Finanzierung ohne Anzahlung und Schlussrate sein kann.

4) Vario Finanzierungen zur Gebrauchtwagen Finanzierung ohne Anzahlung und Schlussrate

Car dealerships like MyCar bieten Auto Vario Finanzierungen ohne Anzahlung und Schlussrate an an. Auch hierbei handelt es sich vorwiegend um Neuwagen, die sich aufgrund hoher Neuwagenrabatte aber lohnen. Daher stellt auch die Vario-Finanzierung von Mein Auto* eine gute Alternative zur Gebrauchtwagen Finanzierung ohne Anzahlung und Schlussrate dar.

Alternative used car financing with small down payment via car dealer

Manche Autohändler bieten ebenfalls Finanzierungen für bei Ihnen gekaufte Autos an. Hierbei werden nur sehr geringe Anzahlungen verlangt. Daher sind diese Finanzierungen eine Alternative, wenn du eine Gebrauchtwagen Finanzierung ohne Anzahlung suchst. Die geringste Anzahlungen verlangen folgende Händler:

  • Your dream car in Lower Saxony: Gebrauchtwagen Finanzierung ab 350 € Anzahlung
  • Auto Scheldt in North Rhine-Westphalia: Gebrauchtwagen Finanzierung from 500 € deposit
  • Autocentrum Rheydt in North Rhine-Westphalia: Gebrauchtwagen Finanzierung ab 750 € Anzahlung

Conclusion: Used car financing without down payment

for one Finanzierung eines Gebrauchtwagens spricht in erster Linie der niedrigere Preis. Ein Neuwagen verliert immerhin rund ein Vierteil seines Werts bereits im ersten Jahr. Eine Financing without down payment dabei über mehrere Wege realisierbar. Hierzu gehören:

Bei Abo und Leasing Modellen und der Vario Finanzierung bezahlst du lediglich den Wertverfall des Autos. Dadurch gehört dir das Auto zwar später nicht, die Raten sind aber günstiger. Bei einem Autokredit bezahlst du mit den Kreditraten hingegen dein Eigentum ab. Wenn die Kreditraten bezahlt sind, gehört dir das Auto und weitere Zahlungsverpflichtungen entfallen. Die Finanzierung über ein Darlehen hat daher bei der Gebrauchtwagen Finanzierung ohne Anzahlung einen besonderen Charme.

*Affiliate link: If you get to a provider via one of these links from my website, I may receive a commission. This does not result in any additional costs for you. ❤️ THANK YOU for using these links! ❤️

Disclaimer: This is well researched but non-binding information.

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