Ranking of car loans in Germany - October 2026

✓ Pros

• ✓No processing fee
• ✓Attractive entry rate from 2.45% APR
• ✓Wide loan amount range from €1,500 to €65,000
• ✓Fully applicable online

✕ Cons

• ✕The advertised rate is only a starting ("ab") rate - the actual rate depends on individual creditworthiness
• ✕Detailed terms on early repayment and further fees were not visible on the offer page
• ✕No flat rate without a credit check apparent

✓ Pros

• ✓Fixed nominal interest rate for the entire term
• ✓Two term models: with and without a balloon payment
• ✓High maximum loan amount of up to €150,000
• ✓No separate processing fee according to our database

✕ Cons

• ✕APR from 5.29% is considerably higher than the figure originally recorded in our database
• ✕Early-repayment penalty of 1% of the remaining balance for full early repayment
• ✕Vehicle registration document (Kfz-Brief) must be pledged as collateral
• ✕Minimum loan amount of €3,000 (rather than the €500 in our database)

✓ Pros

• ✓No processing fee
• ✓Fee-free unscheduled repayments up to 20% per year
• ✓Fee-free payment holiday
• ✓No need to submit vehicle registration certificate part II

✕ Cons

• ✕APR on bank's page higher than originally advertised (5.59%-6.59%)
• ✕Only available to individuals
• ✕Requires a digital account check