Car loan
Drive for less: pledging the vehicle as loan security provides access to preferential interest rates for new and used cars.
Net loan amount
€3,000 – €80,000
Duration
12 – 96 months
Representative APR (example)
ab 3.99 % eff. p. a.
Why choose a specialized car loan?
A car loan is earmarked specifically for vehicle purchases. Because the vehicle itself serves as collateral, lenders offer significantly lower rates than standard unsecured loans. You also gain leverage to negotiate cash buyer discounts at dealerships.
Key benefits
- ✓For new and used vehicles
- ✓Duration matching vehicle lifespan
- ✓Negotiate cash discounts with dealers
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 02
Eligibility & Documentation
Transparent requirements for vehicle acquisition:
Vehicle Age & Type
Applies to brand new cars, demonstrations, and quality pre-owned vehicles up to 10–12 years at term completion.
Steady Earnings
Regular income from employment, pensions, or self-employment with verifiable stability.
Vehicle Certificate
Depending on the lender, the registration title may be held as collateral during the repayment term.
Purchase Agreement
A copy of the sales agreement from the dealer or private seller acts as proof of purchase.
Process
4 Steps to your vehicle financing
From calculation to delivery:
Set price & down payment
Determine purchase price, down payment or trade-in value to pinpoint your exact financing need.
Compare car rates
We screen specialized automotive credit rates across our lending network.
Negotiate as cash buyer
With your loan approval in hand, negotiate cash discounts of 10%–20% with car dealerships.
Payout & drive off
Funds are disbursed to the seller or your account. Pick up your vehicle with total peace of mind.
Simulation
Calculate monthly payment for Car loan
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Car loan FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €18,000, 60 months duration, borrowing rate 3.92% p.a. fixed, representative APR 3.99%, monthly payment €331.00, total amount payable €19,860.00. Subject to status and affordability.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.