Santander 1Plus Auto Santander Bank DE
0% effektiver Jahreszins
- Repräsentativer Jahreszins: 0 % p.a.
- Darlehenslaufzeit: 12–48 Monate
- Maximaler Darlehensbetrag: 30.000 €
- Hauptmerkmal: 0% Händlerfinanzierung
Compare Car Finance in Germany
Live offers across tracked providers in Germany — updated daily from the Giraffy database.
Live offers
25 live offers compared from 16 providers, from 0% effektiver Jahreszins. Updated daily.
VW Bank Autokredit Volkswagen Bank
4.49% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,49 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 100.000 €
- Hauptmerkmal: Marken des VW-Konzerns
BMW Bank Autokredit BMW Bank DE
4.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 100.000 €
- Hauptmerkmal: BMW Group Finanzierung
Toyota Kreditbank Toyota Kreditbank DE
4.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 80.000 €
- Hauptmerkmal: Japanische Qualität
Audi Financial Services Audi Financial Services
4.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 150.000 €
- Hauptmerkmal: Audi Finanzierung
Porsche Financial Services Porsche Financial Services
4.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 200.000 €
- Hauptmerkmal: Premiumsegment
Norisbank Autokredit Norisbank
4.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 4,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 50.000 €
- Hauptmerkmal: Schnelle Genehmigung
Mercedes-Benz Bank Mercedes-Benz Bank DE
5.49% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,49 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 150.000 €
- Hauptmerkmal: Premiumfinanzierung
Opel Bank DE Opel Bank DE
5.49% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,49 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 70.000 €
- Hauptmerkmal: GM-Konzernfinanzierung
Peugeot Finance DE Peugeot Finance DE
5.49% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,49 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 80.000 €
- Hauptmerkmal: Französischer Stil
Volkswagen Financial Services DE Volkswagen Bank
5.90% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,9 % effektiver Jahreszins (repräsentativ)
- Darlehenslaufzeit: 12–72 Monate
- Maximaler Darlehensbetrag: 100.000 €
- Hauptmerkmal: VW-Konzernmarke (VW/Audi/Skoda/SEAT/Porsche); Ballonoption; Marktführer
Ford Credit DE Ford Credit DE
5.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 80.000 €
- Hauptmerkmal: Ford-Partner-Tarife
HVB Autokredit HypoVereinsbank
5.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 80.000 €
- Hauptmerkmal: Vollbank
Postbank Autokredit Postbank
5.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 50.000 €
- Hauptmerkmal: Online-Prozess
Santander Consumer Santander Consumer Bank DE
5.99% effektiver Jahreszins
- Repräsentativer Jahreszins: 5,99 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 100.000 €
- Hauptmerkmal: 0% Partnerangebote
BMW Bank Autofinanzierung DE BMW Bank DE
6.40% effektiver Jahreszins
- Repräsentativer Jahreszins: Repräsentativer Jahreszins: 6,4 %
- Darlehenslaufzeit: 24–60 Monate
- Maximaler Darlehensbetrag: 150.000 €
- Hauptmerkmal: BMW Group Eigenmarke (BMW/MINI); Kauf- und Leasingoptionen; Restwertgarantie
Wüstenrot Autokredit Wüstenrot Bank
6.49% effektiver Jahreszins
- Repräsentativer Jahreszins: 6,49 %
- Darlehenslaufzeit: 12–60 Monate
- Maximaler Darlehensbetrag: 50.000 €
- Hauptmerkmal: Verknüpfte Ersparnisse
Mercedes-Benz Bank Autofinanzierung DE Mercedes-Benz Bank DE
6.90% effektiver Jahreszins
- Repräsentativer Jahreszins: Repräsentativer Jahreszins: 6,9 %
- Darlehenslaufzeit: 24–60 Monate
- Maximaler Darlehensbetrag: 200.000 €
- Hauptmerkmal: Mercedes-Benz-eigene Marke; Neu- und Gebrauchtwagen mit Gebrauchtwagengarantie; flexible Ausstattungsoptionen
Toyota Kreditbank Autofinanzierung DE Toyota Kreditbank DE
7.40% effektiver Jahreszins
- Repräsentativer Jahreszins: 7,4 % effektiver Jahreszins (repräsentativ)
- Darlehenslaufzeit: 24–60 Monate
- Maximaler Darlehensbetrag: 80.000 €
- Hauptmerkmal: Toyota/Lexus-Markenfahrzeug; Neuwagen; Ballonfinanzierung möglich
Santander Consumer Bank Autokredit DE Santander Consumer Bank DE
7.90% effektiver Jahreszins
- Repräsentativer Jahreszins: 7,9 % effektiver Jahreszins (repräsentativ)
- Darlehenslaufzeit: 12–84 Monate
- Maximaler Darlehensbetrag: 75.000 €
- Hauptmerkmal: Unabhängige Bank; Mehrmarkengeschäft; Neu- und Gebrauchtwagen; schnelle Online-Entscheidung
Bis zu 50€ - Empfehlen und Geldprämie sichern! Santander Consumer Bank DE
€50 /Monat
Bis zu 50€ - Empfehlen und Geldprämie sichern! von Santander Consumer Bank DE (Autofinanzierung) in Kredite. Live-Angebot, das täglich von Giraffy verfolgt wird.
- Anbieter: Santander Consumer Bank DE
Kostenloses Girokonto mit 250 Euro Sommer-Bonus Santander Consumer Bank DE
€250 /month
- Anbieter: Santander Consumer Bank DE
Volkswagen Bankplan Volkswagen Bank
€500 /Monat
Volkswagen Bank Plan von der Volkswagen Bank (Autofinanzierung) im Bereich Kredite. Aktuelles Angebot, täglich aktualisiert von Giraffy.
- Anbieter: Volkswagen Bank
Hyundai Finanzierung Hyundai Capital
Price on request
Volkswagen Bank Autokredit Volkswagen Bank
Price on request
What is Car Finance in Germany?
Car finance lets you spread the cost of a vehicle over time instead of paying the full price up front. In Germany the main routes are a classic Autokredit (a straightforward instalment loan), balloon-style financing such as Ballonfinanzierung or the Drei-Wege-Finanzierung (three-way financing), and Leasing. With a classic loan you borrow a fixed amount and repay it in equal monthly instalments until you own the car outright. With balloon financing you pay lower monthly instalments plus a large final payment, the Schlussrate, at the end. The Drei-Wege-Finanzierung then gives you three choices at the end: pay the Schlussrate and keep the car, return the vehicle, or refinance the balance.
Leasing is different again: you pay to use the car for a term and hand it back, without an intention to own it.
How the German market works
The market is dominated by captive banks owned by the carmakers, which finance sales of their own brands, alongside independent consumer-credit banks. Because manufacturers use finance to sell cars, headline promotions can be very aggressive, including 0%-Finanzierung (zero-percent) offers on selected models. Independent and bank lenders compete with flexible loans that can be used at any dealer or for a private purchase, which can give more room to negotiate the cash price.
Every application involves a Schufa credit check, and the true cost of a loan is expressed as the effektiver Jahreszins (effective annual percentage rate), which bundles in interest and mandatory charges so offers can be compared on a like-for-like basis.
Benefits
Spread the cost — turn a large purchase into predictable monthly payments.
0% promotions — captive banks periodically offer interest-free financing on selected models.
Lower monthly outlay — balloon structures reduce monthly instalments in exchange for a final Schlussrate.
Flexibility at term end — the Drei-Wege-Finanzierung lets you keep, return or refinance the car.
Ownership option — unlike leasing, a classic Autokredit ends with you owning the vehicle.
How to choose
Compare offers on the effektiver Jahreszins rather than the monthly instalment alone, since a low monthly payment may hide a large Schlussrate. Decide whether you want to own the car or prefer the lower payments and end-of-term flexibility of balloon financing. With a 0% offer, check whether you could negotiate a bigger cash discount by paying outright, because the finance may be priced into the car. Watch the deposit required, the total amount repayable, any arrangement fees, and whether the loan is tied to one brand or usable anywhere. Consider your Schufa standing before applying.
Leading providers in Germany
The captive banks are central: Volkswagen Bank, BMW Bank, Mercedes-Benz Bank DE, Audi Financial Services, Toyota Kreditbank DE and Ford Credit DE each finance their own brands and run promotional 0% or low-rate deals. Santander Consumer Bank DE is a major independent auto lender that finances many brands and private purchases, and HypoVereinsbank offers general consumer loans that can be used for a car. Captives often win on brand-specific promotions, while independent lenders can offer flexibility across dealers.
What it costs
Pricing ranges from 0% promotional financing on selected new models up to typical single-digit APRs for standard loans, depending on your credit profile, the term and the deposit. A longer term lowers the monthly instalment but raises total interest paid; a balloon structure lowers monthly payments but leaves a substantial Schlussrate to settle or refinance at the end. Always look at the total amount repayable and the effektiver Jahreszins, and factor in insurance and running costs, which are separate from the finance itself.
Protections and regulation
Consumer credit in Germany is regulated under consumer-credit law, and lenders are supervised by BaFin. You are entitled to clear pre-contract information and a standard 14-day right of withdrawal (Widerrufsrecht) on most consumer loan agreements. Lenders must state the effektiver Jahreszins so costs are comparable, and they assess affordability, including a Schufa check. For balloon and three-way products, the contract must set out the Schlussrate and your end-of-term options.
Common questions
Autokredit or balloon financing? A classic Autokredit spreads the full cost and ends in ownership; balloon financing lowers monthly payments but leaves a large Schlussrate. Is 0% really free? The interest is zero, but check whether a cash buyer could negotiate a bigger discount. What is the Schlussrate? The large final payment in balloon or three-way financing. Do I need good credit? Lenders run a Schufa check and price accordingly. How do I compare offers? Use the effektiver Jahreszins and the total repayable.
Car Finance in Germany — FAQ
What is the best car finance rate in Germany right now?
Giraffy tracks 5 car finance products across Santander Bank DE,Volkswagen Bank,BMW Bank DE,Toyota Kreditbank DE,Audi Financial Services lenders in Germany. Compare by APR to find the most cost-effective way to finance your vehicle.
What types of vehicle finance are available?
Common vehicle finance types include hire purchase (you own the car at the end), personal loans (borrow the cash outright), dealer finance, and leasing (no ownership). Compare total cost of credit — not just monthly payments — to find the most affordable option.
What credit score do I need for car finance?
Most mainstream lenders require a fair to good credit score. Specialist lenders offer car finance to those with poor or limited credit history, but typically at higher APRs. Check your eligibility using a soft-search tool before applying to avoid unnecessary hard searches on your credit file.
Can I get car finance with bad credit?
Yes — specialist lenders offer car finance to borrowers with a poor credit history, but at higher interest rates. A larger deposit reduces risk for the lender and may secure you a better rate. Improving your credit score before applying is the most cost-effective long-term approach.
What fees should I watch for on a car finance deal?
Watch for origination fees, documentation fees, prepayment penalties, and GAP insurance charges. These can add significantly to the total cost of a car finance deal. Always compare total cost of credit — not just the monthly payment or headline APR.
Is it cheaper to get car finance through a dealer or directly with a lender?
Dealer car finance is convenient but not always the cheapest — dealers often earn commission on the finance package. Comparing independent lenders via Giraffy before visiting a showroom gives you a benchmark rate. Arriving with pre-approved car finance puts you in a stronger negotiating position.
What happens if I want to settle a car finance deal early?
Early settlement typically involves paying the outstanding capital plus a settlement fee (usually 1–2 months' interest). Check the specific early repayment terms in your agreement before settling early.