Which car dealership finances despite negative credit bureau? – Top 5 tableau

The thought of getting financing through a car dealership is obvious when buying a vehicle. After all, you know the people in the dealership personally, which often results in a certain level of trust. But if you have a negative Schufa entry, it is not easy to get a loan - car dealerships as well as banks often reject customers with a negative Schufa listing. We looked for car dealerships that would approve financing for the vehicle despite a negative Schufa entry. The question is: "Which car dealership finances despite negative credit bureau?" respectively. "Where can I buy a car with a negative credit bureau?We also checked whether financing via a car bank is an alternative despite negative credit bureau. You can also transfer the car despite a negative credit bureau Finance Credit Bureau-free loans. So far we have provided you with this most complete tableau via all car dealers known to us who finance despite negative credit bureau.

Financing directly at the car dealership despite negative credit bureau

When looking for car dealerships that grant loans despite negative credit bureau entries, it was noticeable that there two different types of car dealer financing gives. The most common are car dealerships that work with banks to finance their customers' cars. Here, the car dealership only mediates the customer to the bank. The bank is solely responsible for checking and approving the loan. Therefore, it is often difficult with this model Car loan despite negative credit bureau to get. Because a negative Schufa entry is a direct exclusion criterion for many banks. However, we were also able to find some car dealerships that provide the loan for the car themselves. This allows these car dealerships to grant loans based on more flexible criteria. People with negative Schufa entries have a chance of getting a loan from these houses.

The disadvantage of financing from a car dealership is that car dealerships only grant loans to customers from the surrounding area. In NRW we found 2 car dealerships without a Schufa query, but none in Bavaria or Rhineland-Palatinate. Therefore, despite negative credit bureau at the car dealership, loans are ruled out for many interested parties due to their place of residence.

Car loan without Schufa as an alternative to dealer financing

An alternative to finance a car with a negative credit bureau is a Car loan without Schufa. Special banks and credit intermediaries are requested for financing. These banks also give one Credit despite negative credit bureau entries, which is why the financing of your car is often also in very difficult cases still succeeds. If you apply for a car loan despite negative credit bureau from bon credit* or Maxda* you decide not tied to a specific car dealership. Because as soon as the loan is in your account, you can choose your dream car. If your credit rating is at least mediocre, you can get a cheaper loan Smava* or even a Car loan without vehicle registration under consideration.

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.

Comparison of car dealership financing despite negative credit bureau and loans despite negative credit bureau from the credit specialist

5 car dealerships that finance a car despite negative credit bureau

Almost all car dealerships in Germany do not grant the loan to their customers themselves. Instead, German car dealerships usually work with various banks and credit institutions. Accordingly, the car dealership has no influence on whether the loan is granted or not despite negative credit bureau. The decision about a loan is almost always made by the bank. Since almost all German banks in Germany have a Schufa connection, it is practically impossible to grant a loan with negative entries in the Schufa.

However there are also a few car dealerships in Germany that take care of the processing of the loan themselves. This is often a kind of hire purchase. The dealership keeps the registration document and a spare key for the car. The borrower pays off the car with a rent. However, if the tenant defaults on payment, the car dealership will collect the car again. If you are asking yourself "Which car dealership finances despite negative credit bureau?" The following list can probably help you. You can find more information on the amount of the installments of the car dealerships in the article Buy a car on installments despite negative credit bureau.

The following car dealerships finance despite negative credit bureau:

1. Saxony-Anhalt: Honda Hettstedt

In Hettstedt, about 40 km northwest of Halle, the Honda Hettstedt car dealership offers auto financing without Schufa. Interested parties receive a long-term rental contract with a later purchase option. The replacement of the car from the long-term rental contract is possible, but not mandatory. If the circumstances change, the rental agreement can also be terminated with a notice period of 3 months. Honda Hettstedt is also aimed at the unemployed or people with poor credit ratings. However, the loan installments plus vehicle maintenance and fuel costs must be affordable from disposable income. The car dealership finances cars within a radius of 50 km from Hettstedt despite negative credit bureau. This also includes the cities of Magdeburg and Halle.

Honda Hettstett in Saxony-Anhalt

address: Autocenter Hettstedt, Ritteröder Straße Gewerbering 2, 06333 Hettstedt

2. Saxony: H+P car rental

The provider H + P car rental from Chemnitz also offers car financing despite negative credit bureau. Here you have not only cars but also vans in the program. Despite negative credit bureau, the car dealership finances vehicles from companies and the self-employed in particular. The strict requirements of the GDP directive for vehicles in the pharmaceutical industry can also be met.

H+P car rental in Saxony

address: H+P car rental GmbH, HainstraĂźe 139, 09130 Chemnitz

3. Lower Saxony: Your dream car

YourDream Car Logo

Your dream car is a car dealership based in Lower Saxony that finances cars despite negative credit bureau. The provider is aimed at people who need or want to finance a vehicle with poor creditworthiness. In addition to pensioners and the unemployed, this also includes business founders or people with exhausted credit limits. However, you should be sure that you can pay the monthly maintenance for the car. Because if there is a delay in the monthly payment, the dealership will have the car picked up within a week.

Serious impression, excellent customer feedback

The employees and the manager of the car dealership Your Dream Car from Lower Saxony always made a friendly and open-minded impression on the phone. The ratings of the car dealership on the relevant portals also speak for a reputable provider who finances vehicles with poor credit ratings. Your dream car received 4.8 out of a possible 5 stars at Autoscout24 and a recommendation rate of 98 %. As with all car dealerships Loans to low-income people such as Hartz IV recipients or min-jobbers, the prices of the vehicles are somewhat higher.

YourDreamCar in Lower Saxony

address: Your dream car GmbH, Bundesstr. 2a, 30989 Gehrden OT Ditterke

4. North Rhine-Westphalia: Auto Scheldt - car dealer without Schufa financing from NRW

Auto Scheldt from Wuppertal has been selling cars for over 20 years. For people with a low credit rating, the car dealership offers financing despite negative credit bureau. As with the other providers, a down payment must first be made. The remaining amount will then be deducted. Only people residing in North Rhine-Westphalia are accepted. Auto-Scheldt is one of the best-known car dealers who offer financing without Schufa in NRW.

Car dealership that finances despite negative Schufa Scheldt in NRW

address: Auto Scheldt GmbH, Bocksledde 34, 42283 Wuppertal

5. North Rhine-Westphalia: Eurocar MG/ Autocentrum Rheydt - car dealer without Schufa financing from NRW

The Autocentrum Rheydt in Mönchengladbach finances inexpensive cars even if they have a negative credit bureau or a poor credit rating. In addition to Auto Scheldt, Eurocar MG is the second car dealer to offer financing without Schufa financing in NRW. If you're wondering "Where can I buy a car with a negative Schufa?" and live near Mönchengladbach, you could find what you're looking for at the Autocentrum Rheydt. The dealership is willing to finance up to €3,000 of the purchase price. The dealership requires a 25 % deposit. The remaining price of the vehicle is financed by the dealership for a maximum of 12 months. For customers with a poor credit rating, the car dealership has older vehicles that are priced between 2,000 and 4,000 euros.

Address: Autocentrum Rheydt, Dahlener Str. 308, 41239 Mönchengladbach

Car dealership that finances despite negative Schufa Eurocar MG/ Autocentrum Rheydt in NRW

6. Baden Wuerttemberg: FK car rental

The provider FK permanent rental has closed permanently.

Car dealership that despite negative Schufa financed FK in BW

Address: FK car rental. Friedhofstr. 13. 71711 Steinheim

Financing through a car dealership despite negative credit bureau has two major disadvantages

If the borrower defaults on payment, car dealerships confiscate the car after a very short time. The car dealerships can do that because legally it is only one long-term lease acts. That's how it is at the car dealership your dream car a maximum payment delay of only one week is granted. If you need longer to pay an installment, the dealership will have the car picked up with the second key. Also are all payments made so far are forfeited and there is no longer any claim to the car. If you want to finance your car through a car dealership despite negative credit bureau, you should never default on payment.

The dealership says:

If you are in arrears with an installment, we will give you a one-time opportunity to pay your installment within one week. If this does not happen, we will have the vehicle picked up by a collection agency. Your deposit and the installments paid up to that point have expired.

Car dealership Your dream car for dealing with the vehicle in the event of late payment

Another disadvantage When financing through a car dealership lies in the very high costs and the inflexible modalities compared to one Car loan despite negative credit bureau.

Does the tow truck come with dealership financing despite a negative Schufa?
Does the tow truck come with a car dealership financing despite negative credit bureau? If you default on payment, the dealership will sometimes confiscate the car within a week.

Due to the immediate collection of the car in the event of a slight delay in payment, car dealership financing is not recommended despite negative credit bureau. In addition, credit rates are well above those for conventional ones Loans despite negative credit bureau becomes due.

Next, let's look at the major car manufacturers' banks. Can you help out in a difficult situation with a loan despite negative credit bureau?

Which car bank finances despite negative credit bureau?

Car banks can offer financing and the associated new vehicle from a single source. However, car banks are banks at one brand bound. Added to this are the inflexible conditions for car bank financing. This includes 3-way financing with the requirement for a down payment and a final installment.

The 3-way financing is often even more difficult to get for people with bad credit than a installment loan. Because of the initially cheaper rates, a high final payment is due at the end of the term. As a result, the car bank bears a higher risk. In addition, only new cars or annual cars can be financed through the car banks. These are naturally more expensive than used cars. This further worsens the prospect of lending from the car banks if the credit rating is poor. It is therefore not possible to obtain car financing from a car bank despite negative SCHUFA.

Which car bank finances despite negative Schufa? - None
Which car bank finances despite negative credit bureau? - None!

Used car financing despite negative credit bureau

in the post Buy a car on installments despite negative credit bureau we have already pointed out that if the credit bureau is negative, financing a cheap used car is one of the few real ways to get mobile again.

Used car financing despite negative credit bureau – If the credit bureau is negative, a small car with a mileage of 50,000 to 100,000km and a vehicle age of three to eight years recommended. You get such a car under 5,000 euros and a Used car financing despite negative credit bureau is possible in many cases.

These cheap small cars have already suffered the greatest loss in value and still have reliable technology. With the cheaper credit rates of cheap used car financing, you avoid the debt spiral despite an existing negative Schufa entry.

There are other ways to further increase the chances of approval for used car financing despite negative credit bureau. This includes the Assignment of the vehicle registration document to the bank. In the linked article you will find four banks where this is possible. However, if there is a negative Schufa entry, further measures must be taken to ensure that the loan approval works. This includes the Application with a second applicant. The creditworthiness of the second applicant is used to compensate for the negative Schufa entry. The second applicant uses his income to guarantee that the bank can seize the loan in the event of default.

Alternatively, car dealership direct financing is also possible despite negative credit bureau. The providers Honda Hettstedt, your dream car, Auto Scheld or the Autocentrum Rheydt also offer used car financing directly through the car dealership despite negative credit bureau.

Used car financing despite negative credit bureau

Used car financing despite negative credit bureau

small car with:

  • a mileage of 50,000 to 100,000km
  • and a vehicle age of three to eight years

make you mobile, are Reliable and help you debt spiral to avoid.


Used car financing without Schufa and credit check

A used car financing without Schufa and minimal credit check is with the provider Honda Hettstedt, your dream car, Auto Scheld or the Autocentrum Rheydt possible. Alternatively, you can get financing through credit intermediaries such as bon credit* Available to get used car financing without Schufa.

often However, the providers of used car financing without Schufa will still obtain information from Schufa and in the case of hard negative entries such as Failure to provide property information, Creditor satisfaction excluded or a running one consumer bankruptcy proceedings deny financing for your used car. A used car financing without a credit check is therefore not possible with any provider.

However can bon credit* at a Income of 1,300 euros and more often enable used car financing without a Schufa query. Here you will get a credit without offered by Sigmabank. If you have a net income of at least 1,600 euros, you can finance a used car up to 5,000 euros without credit bureau. With a net income of €1,800, used car financing without Schufa is possible up to €7,500.

Alternative: Loans despite negative credit bureau from banks and credit intermediaries

provider like bon credit,* Maxda,* or the Sigma bank* can get a car financing even with a negative credit bureau and in difficult cases - such as when receiving sick pay - enable. This makes them a good alternative if you need answers to questions like "Which car dealership finances despite negative credit bureau?" or "Where can I buy a car with a negative credit bureau?“ urgently needed. Because you are not tied to the car dealership when it comes to loans. In addition, the credit without collateral such as vehicle registration document or registration certificate part II can be paid out. Therefore, you can first get the loan on your account and then buy your dream car from a private person, dealer or manufacturer. So you are much more flexible than with financing directly through the car dealership, since only the in-house cars are financed there, which may not always be the best offer.

But also the provider Smava* Loans with mediocre creditworthiness can still arrange a loan despite negative credit bureau. In addition, Smava only requires a minimum income of €600.

When it comes to amounts below €1000 suitable are also the providers Vexcash*, ferratum* and cashper* recommended in difficult cases. In many difficult cases, these mini loan providers approve the loan – even with negative credit bureau entries. Vexcash offers instant payouts in under an hour. At Ferratum, lending is also possible without proof of income.

More choice, cheaper prices

The advantage of financing through banks and credit brokers is that you are much freer in your choice of car. After all, you are not tied to the few car dealers with private financing, but can decide freely. This often gives you a lower price for your dream car. Therefore ask Loans despite negative credit bureau from banks and credit intermediaries a good alternative to car dealers with private financing.

If you need a loan of more than 1000 euros, the providers will come bon credit*, Maxda*, Sigma credit bank, Smava*, Creditolo*, credimaxx* or Auxiliary* in question. If you need less than 1000 euros, mini loans are available from ferratum, cashper or Vexcash recommended in difficult credit cases. there is Vexcash*the fastest mini loan provider and pays out the loan to your account in less than an hour for an additional charge. ferratum* however, does not require proof of income and cashper* makes the money available free of charge for loans under €600, even in difficult cases.

Alternative loans despite negative Schufa from banks and credit intermediaries.

Where can I buy a car with a negative credit bureau?

Where can I buy a car in installments with a negative credit bureau?

If you want to buy a car in installments despite a negative credit bureau score, you can ask a car dealership that grants financing despite a bad credit bureau score. Here you can pay off the car via a long-term rental contract that you conclude with the car dealership. However, since this type of financing is very expensive and you are legally very poorly protected, it is better to choose another alternative. Car loans from banks are suitable for this, which are also granted with poor creditworthiness and despite negative credit bureau entries. This way you don't lose the car right away if there are payment problems.

Which car dealers with private financing are there?

In Germany there are only a few car dealers with private financing without a bank. These include: Honda Hettstedt in Saxony-Anhalt, H+P car rental in Saxony, your dream car in Lower Saxony and Auto Scheldt and Eurocar MG from North Rhine-Westphalia. If you buy a vehicle from a privately financed car dealership, you should expect higher costs than other car dealerships. This is because car dealerships calculate with high failure rates. To avoid these additional costs, you can Credit with bad credit at bon credit* or another provider and buy a vehicle from any dealer at a lower price.

*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.

Cover photo: geralt on Pixabay. tow truck: cdz on Pixabay. Icons made by photo3idea_studio & Freepik from www.flaticon.com.

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