Welches Autohaus finanziert trotz negativer Schufa? – Top 7

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The idea of getting financing through a car dealership is an obvious one when buying a vehicle. After all, you know the people at the dealership personally, which often creates a certain level of trust. But if you have a negative Schufa record, it's not easy to get a loan - car dealerships as well as banks often turn down customers with negative Schufa listings. We have searched car dealerships that approve financing for the vehicle despite a negative Schufa record. The question is: "Which car dealership finances despite negative credit bureau?", respectively "Where can I buy a car with a negative credit bureau?"

We have also checked whether financing through a car bank despite negative Schufa is an alternative. In addition, you can also finance the car despite negative Schufa via 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.

Nur wenige Autohäuser finanzieren selbst (also ohne Bank)

What you can learn here

Fast alle Autohäuser in Deutschland vergeben den Kredit an Ihre Kunden nicht selbst. Stattdessen arbeiten deutsche Autohäuser üblicherweise mit verschiedenen Banken und Kreditinstituten zusammen. Dementsprechend hat das Autohaus keinerlei Einfluss, ob der Kredit trotz negativer Schufa vergeben wird oder nicht. Die Entscheidung über einen Kredit liegt fast immer bei der Bank. Da so gut wie alle deutsche Banken in Deutschland eine Schufa Anbindung haben, ist die Vergabe eines Darlehens bei negativen Einträgen in der Schufa praktisch kaum möglich. Daher stellt sich die Frage „Welches Autohaus finanziert trotz negativer Schufa?“ sich aufgrund des fehlenden Einflusses des Autohauses gar nicht.

Bei einer Autofinanzierung ohne Bank stehen die Chancen trotz negativer Schufa oft gut

However gibt es auch einige wenige Autohäuser in Deutschland, welche die Abwicklung des Kredits selbst in die Hand nehmen. Hierbei handelt es sich häufig um eine Art Mietkauf. Das Autohaus behält den Fahrzeugbrief und einen Zweitschlüssel des Wagens. Der Kreditnehmer zahlt den Wagen mit einer Miete ab. Diese Autohäuser sprechen explizit Kunden mit negativer Schufa an. Das jeweilige Autohaus finanziert also trotz negativer Schufa – und das auch noch ohne Bank!

Gerät der Mieter allerdings in Zahlungsverzug, zieht das Autohaus den Wagen wieder ein. Das ist streng, aber ein Auto ohne Bank und Schufa zu finanzieren musste ja schließlich auch einen Haken haben. Ein weiterer Haken ist übrigens, dass die Autohaus-Direktfinanzierung sehr viel teurer ist als eine alternative Finanzierung über Anbieter wie bon credit*.

Welches Autohaus finanziert trotz negativer Schufa? – 7 Autohäuser, die trotz negativer Schufa ein Auto finanzieren

If you're wondering "Which car dealership finances despite negative Schufa?" the following list can probably help you out. You can find more information on the amount of the rates of the car dealers in the article Buy a car on installments despite negative credit bureau.

car dealerSeatFinancing despite negative Schufa?What cars are for sale?
#1Honda HettstedtHettstedt (Hall)Yes, for private individualsUsed cars of all brands mtt prices under 10.000 € for people with residence Hettstedt +50 km.
#2H+P car rentalChemnitzYes, for companies and individualsUsed cars between 10.000 - 20.000 €, Italian brands: Fiat, Alfa Romeo,
#3your dream carLower SaxonyYes, for private individuals3.000 € - 13.000 € - Wide range of brands and models
#4Auto ScheldtWuppertalYes, for private individualsUsed cars of all brands with prices up to 6.000 €
#5Eurocar MG / Autocentrum RheydtMönchengladbachYes, for private individualsUsed cars of all brands with prices up to 6.000 €
#6Hessen Auto CenterFrankfurt am MainYes, for private individualsGebrauchtwagen aller Marken mit Preisen zwischen 4.000 € bis zu 10.000 €
#7Amaxmotors/ Autohaus SüdLinz, AustriaYes, for private individuals aber nicht ohne BankPrimarily vans such as VW T6 and Ford Galaxy but also some sedans, station wagons and sports cars. Prices between € 10,000 and € 40,000
Overview table - Which car dealership finances despite negative Schufa?

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 dealership offers car financing without Schufa. Interested parties receive a long-term lease agreement with a purchase option at a later date. The redemption of the car from the long-term lease is possible, but not mandatory. If circumstances change, the lease can also be terminated again 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 maintenance of the vehicle and fuel costs must be affordable from freely disposable income. The dealership finances cars despite negative Schufa within a radius of 50 km around Hettstedt. 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, Hainstraße 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.

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

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

6. Hessen: Hessen Auto Center in Frankfurt am Main

Das Hessen Auto Center finanziert Fahrzeuge aus dem eigenen Bestand für 12 Monate. Eine Finanzierung ist dabei trotz negativer Schufa möglich. Da Autohaus finanziert PKW, die mindestens 4.000 € und maximal 10.000 € kosten. Die Anzahlung muss hierbei mindestens 40 Prozent betragen. Zudem müssen die letzten 3 Lohnzettel vorgelegt werden, damit das Frankfurter Autohaus einer Finanzierung trotz negativer Schufa zustimmt.

Hessen Auto Center Frankfurt

Adresse: Borsigallee 2-4, 60388 Frankfurt am Main

7. Linz, Österreich: Amaxmotors, car dealership south

Amaxmotors ist ein Gebrauchtwagen-Händler aus dem oberösterreichischen Linz. Das Autohaus hat sich auf Transporter und Kastenwagen für Kunden mit schlechter Bonität spezialisiert. Zusätzlich bietet das Autohaus aber auch Limousinen, Kombis und Sportwagen von Ford, Mercedes, Porsche, Jaguar und einiger weiterer Marken an.

Bei dem Linzer Autohaus kannst du kein Auto auf Raten ohne Bank kaufen. Das Autohaus hat lediglich Erfahrung in der Kreditvermittlung in schwierigen Fällen an Kunden mit schlechter Bonität und Problemen mit der Schufa oder KSV.

Achtung!

Autohaus Süd also explicitly addresses customers who cannot get a loan from other car dealerships because they have a negative entry with a credit agency. If you have a negative Schufa or a bad KSV (Austrian equivalent to the German Schufa), there are still chances to get financing from Autohaus Süd in Linz. Autohaus Süd says about this:

questionI have a KSV entry, can I still finance a car?

Answer Autohaus Süd: Yes, not every negative report disqualifies you as a creditworthy market participant.

Likewise, Autohaus Süd expressly welcomes people who already have one or the other loan in place. The following note can be found on the website of the car dealership:

question: I already have one or more financing, can I still finance a car?

Answer Autohaus Süd: YesThere is almost no citizen who has not already financed something at some bank.

But also seasonal workers who are often rejected by traditional banks have a chance here. The car dealership south is therefore a good alternative to the Credit despite Schufaeven if the conditions are likely to be somewhat worse.

question: I am a seasonal worker, can I get funding during the seasonal break?

Answer Autohaus Süd: Yes,please provide us with a confirmation from your employer that you will be rehired at the beginning of the season.
Amaxmotors Car Dealership South in Linz Austria

Address: Wienerstrasse 459, 4030 Linz, Austria

8. 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?

Financing despite negative Schufa at the dealership directly - Everything you need to know

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 - Everything you need to know

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

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.

Top 15 – Welche Autobank finanziert trotz negativer Schufa?

Hier sind 15 Autobanken und eine grobe Einschätzung der Chancen eine Finanzierung trotz negativer Schufa bei der Autobank zu erhalten.

#AutobankChancen bei Finanzierung mit schlechter Schufa
#1Mazda Finance
Finanzierung über die Santander Consumer Bank*
⚠️ schlechte Chancen,
aber es besteht die Chance online den maximal verfügbaren Kreditbetrag bei der Santander Consumer Bank* anzufragen
#2Fiat Bank/ FCA Bank Deutschland⚠️ schlechte Chancen
#3Ford Bank⚠️ schlechte Chancen
#4Honda Bank⚠️ schlechte Chancen
#5Skoda Bank⚠️ schlechte Chancen
#6Opel Bank⚠️ schlechte Chancen
#7PSA Finance Deutschland⚠️ schlechte Chancen
#8Renault Bank⚠️ schlechte Chancen
#9Toyota Kreditbank⚠️ schlechte Chancen
#10Seat Bank⚠️ schlechte Chancen
#11Mercedes-Benz Bank⚠️⚠️ sehr schlechte Chancen
#12Volkswagen Bank (VW Bank)⚠️⚠️ sehr schlechte Chancen
#13Audi Bank⚠️⚠️ sehr schlechte Chancen
#13BMW Bank⚠️⚠️ sehr schlechte Chancen
#14Porsche Bank⚠️⚠️ sehr schlechte Chancen
#15AutoBank (Österreich)⚠️ ⚠️ ⚠️ Konkurs – Keine Anfrage mehr möglich
Tabelle: Welche Autobank finanziert trotz negativer Schufa

Warum die Finanzierung bei negativer Schufa über eine Autobank oft nicht klappt

Die Vergleichstabelle bescheinigt bei jeder Autobank schlechte oder sehr schlechte Chancen, wenn es um eine Finanzierung trotz negativer Schufa geht. Während man durchaus einige Banken findet die auf die Frage „Which bank gives credit despite negative credit bureau?“ direkt „hier“ rufen (siehe den Beitrag) gestaltet sich die Suche nach einer Autobank Finanzierung trotz negativer Schufa deutlich schwieriger.

Das liegt daran, dass Autobanken keine Ratenkredite vergeben, die über die gesamte Laufzeit gleichmäßig abbezahlt werden. Stattdessen arbeiten Autobanken mit 3-Wege-Finanzierungen (Ballon-Finanzierungen) welche die Kreditsumme stark aufblähen.

Daher ist eine 3-Wege-Finanzierung der Autobanken für Personen mit schlechter Bonität oftmals noch schwieriger zu bekommen als ein installment loan einer „normalen“ Bank. Das hat mehrere Gründe:

  • Durch die zunächst günstigeren Raten wird eine hohe Schlusszahlung am Ende der Laufzeit bei einer Finanzierung über die Autobank fällig. Dadurch trägt die Autobank ein höheres Risiko und weist Personen mit negativer Schufa ab
  • Erschwerend kommt hinzu, dass Autobanken meistens nur Kredite für Neu – oder Jahreswagen vergeben. Dies bläht die Kreditsumme noch weiter auf und es ist oftmals eine sehr gute Bonität erforderlich, um bei dieser hohen Summe noch kreditwürdig zu sein.

Bei einer Finanzierung über die herstellereigenen Autobanken fallen Personen mit schlechter Bonität also meistens durchs Raster. Zwar hat die Autobank als Herstellerbank ein Interesse daran, dass der Hersteller mehr Autos absetzen kann, allerdings gleicht dieser Vorteil die beiden genannten Nachteile bei weitem nicht aus. Schlussendlich ist eine Autobank Finanzierung trotz negativer Schufa daher eher unrealistisch.

3 Tipps zur Autobank Finanzierung trotz negativer Schufa

Wenn du eine Autobank Finanzierung (trotz negativer Schufa) dennoch in Angriff nehmen möchtest, findest du hier 3 Tipps, wie du eine Autobank Finanzierung trotz der negativen Schufa-Listung erhalten kannst.

1. Günstigen Gebrauchtwagen wählen

Du kannst deine Chancen auf einen Kredit (trotz negativer Schufa) aber deutlich verbessern, in dem du einen günstigeren Gebrauchtwagen finanzierst. Von einer (teuren) Neuwagen Finanzierung bei negativer Schufa ist -auch um dich selbst zu schützen- abzuraten. Meistens bieten die Autobanken aber keine Gebrauchtwagen Kredite an und du musst stattdessen auf einen Jahreswagen ausweichen.

2. Anzahlung so hoch wie möglich

Zudem solltest du bei einem negativen Schufaeintrag eine höhere Anzahlung wählen, sodass die aufgenommene Summe bei der Autobank kleiner wird. Dadurch erhöhst du deine Chancen, einen Kredit einer Autobank zu bekommen. Wähle die Anzahlung daher so hoch wie möglich.

3. Kreditsumme unter 10.000 Euro

Autobanken finanzieren zudem eher trotz negativer Schufa, wenn die Kreditsumme unter 10.000 Euro liegt. Versuche daher nach Möglichkeit den Rest über die Anzahlung abzudecken.

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.

Diese günstigen Kleinwagen haben den größten Wertverlust bereits hinter sich und haben dennoch zuverlässige Technik. Durch die günstigeren Kreditraten einer Gebrauchtwagen-Finanzierung vermeidest du die Schuldenspirale trotz bestehendem negativen Schufa Eintrag.

Increase chances of approval

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, direct car dealer financing is also possible despite negative Schufa. The provider Honda Hettstedt, Ihr Traumauto, Auto Scheld, Autocentrum Rheydt, Hessen Auto Center oder das Autohaus Süd also offer used car financing despite negative Schufa through the dealership directly.

3 to 8 years old and between 50,000 - 100,000 km is optimal to get car financing despite negative Schufa

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 werden sich die Anbieter der Gebrauchtwagen-Finanzierung ohne Schufa but still draw a Schufa information and in case of hard negative entries how Failure to provide property information, Creditor satisfaction excluded or a running one consumer bankruptcy proceedings eine Finanzierung deines Gebrauchtwagens verneinen. Eine Gebrauchtwagen-Finanzierung ohne Bonitätsprüfung ist daher bei keinem Anbieter möglich.

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

Der Vorteil einer Finanzierung über Banken und Kreditvermittler liegt darin, dass du viel freier in der Auto-Auswahl bist. Schließlich bist du nicht an die wenigen Autohändler mit Privatfinanzierung gebunden, sondern kannst frei entscheiden. Dadurch erhältst du oftmals einen günstigeren Preis für dein Wunschauto. Daher stellen Kredite trotz negativer Schufa von Banken und Kreditvermittlern 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 on installments despite a negative Schufa score, you can ask for financing from a car dealership that offers financing despite a bad Schufa score. In this case, you can pay off the car through a long-term lease agreement that you sign with the dealership. However, since this type of financing is very expensive and you are also very poorly protected legally, it is better to choose another option. Suitable for this are car loans from banks, which are also bad credit and be awarded despite negative Schufa entries. This way you don't lose the car 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, Ihr Traumauto in Lower Saxony, and Auto Scheldt and Eurocar MG from North Rhine-Westphalia. When you buy a car from a car dealer with private financing, you have to expect higher costs than with other car dealers. This is because car dealers calculate with high default rates. To avoid these additional costs, you can take out a 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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