Finance · Personal advice
Good finance suits both your vehicle and your life. Explore conventional instalments, leasing and balloon finance: we help you compare the options.
More flexibility for your mobility
Found your vehicle and want to spread the purchase price over monthly payments? Or would you like to use a car for a set period? Together, we look at your budget, preferred term and plans for the vehicle.
There's more to compare than a low monthly payment: the deposit, total cost and any final payment matter too. We explain the differences clearly and help you find a suitable offer.
Three routes to your vehicle
The main differences are how you pay and what happens at the end of the term.
With conventional finance, you repay the agreed loan amount plus interest in regular monthly instalments. The loan is fully repaid after the last instalment.
Suits you if you want to keep your vehicle long term and plan even repayments.
With leasing, you pay to use the vehicle for a set period. It remains the lessor's property and is usually returned at the end of the contract.
Plan ahead: Depending on the contract, an upfront payment, excess mileage or damage on return may incur additional costs. A purchase option exists only if agreed.
Part of the loan remains outstanding until the end of the term. This can make monthly payments lower than fully repaying the loan over the same period. The agreed balloon payment is due at the end.
Plan ahead: Set aside funds for the final payment in good time. Refinancing requires a new agreement and incurs additional costs; returning the vehicle is not automatically an option.
Your situation matters
Interested in finance without a SCHUFA check? Talk to us. We offer relevant options in selected circumstances and check whether a suitable offer is available for you.
No SCHUFA check does not mean no assessment of ability to pay. Proof of income and other documents may still be required. The finance partner decides based on its acceptance criteria.
We explain the requirements and costs before you decide. This does not constitute advance approval or a guarantee of a particular interest rate.
Discuss your options personallyYour next step
Tell us your vehicle or purchase price, desired monthly payment and possible deposit. Please only send sensitive financial documents after discussing this with us.
We compare the relevant options with you and explain the term, requirements, costs and end-of-contract arrangements.
You receive an individual offer. The contract can be concluded following review and acceptance by the finance partner.
Finance offers depend on your place of residence or business and the provider. Worldwide access to our vehicle marketplace does not mean every finance option is available in every country.
We offer personal advice
Instalments, leasing or a balloon payment: together we'll find the approach that suits your plans.