Car Loan without Schufa: How to Secure Your Mobility Quickly and Reliably
24 Jun 2025
Katrin Straub
Managing Director at nextsure
A negative Schufa entry makes buying a car more difficult, but not impossible. We show you how to secure a car loan without Schufa for quick mobility while avoiding costly mistakes. Learn how to identify reputable providers and explore what alternatives are available.
The topic in brief and concise terms
A car loan without Schufa almost always comes from foreign banks and is associated with significantly higher interest rates, as German institutions are obliged to conduct a Schufa check.
Reputable providers of credit without a credit check never demand advance fees or charges for the application process.
Despite waiving the Schufa credit check, a credit assessment is always conducted based on income statements and bank statements.
Für viele Menschen bedeutet ein Auto Unabhängigkeit und ist im Alltag unverzichtbar. Ein negativer Schufa-Eintrag kann den Traum vom eigenen Fahrzeug jedoch schnell platzen lassen, da deutsche Banken gesetzlich zu einer strengen Bonitätsprüfung verpflichtet sind. Doch es gibt Wege, auch mit einem schwachen Score eine Finanzierung zu erhalten. Ein Autokredit ohne Schufa kann eine Lösung sein, birgt aber auch Risiken wie hohe Zinsen von über dreizehn Prozent. Dieser Artikel führt Sie durch den Prozess, erklärt die Voraussetzungen und zeigt Ihnen, wie Sie seriöse von unseriösen Angeboten unterscheiden, um sicher und schnell mobil zu sein.
The most important facts about a car loan without Schufa
A car loan without a Schufa check is the last hope for many to own a vehicle. Before deciding on this route, you should be aware of the key points. Here is a summary of the core statements:
Origin of the loan: As German banks are legally required to conduct credit checks, including Schufa inquiries, these loans almost always come from foreign banks, often from Switzerland.
Credit check does occur: "Without Schufa" does not mean "without a credit check". Providers assess your creditworthiness based on proof of income and bank statements.
Higher costs: The higher risk for the bank leads to significantly higher interest rates, which often exceed ten percent.
Vehicle as collateral: Unlike a standard instalment loan, the financed car serves as collateral, which can improve the chances of approval.
Seriousness is crucial: Reputable brokers do not charge upfront costs or fees for processing your application.
These points form the basis for an informed decision. The next step is to take a closer look at the functioning and specific requirements.
Requirements for vehicle financing without a credit check
Even if no Schufa data is requested, you must meet several criteria as an applicant. This is how the banks protect themselves against potential payment defaults. A regular income is the most crucial requirement. Most providers require a monthly net income of at least 1,200 euros.
You generally need to meet the following conditions:
Legal age: You must be at least 18 years old.
Residence in Germany: A permanent residence in Germany is mandatory.
German bank account: You need a German current account to handle the installment payments.
Permanent employment: An open-ended employment contract is often a condition to demonstrate long-term financial capability.
Our expert tip: Have all the necessary documents ready, such as your payslips from the last three months and a copy of your employment contract. This significantly speeds up the application process. Good preparation is the first step to a successful credit application even with Schufa. Next, we'll look into the risks and how to spot dubious offers.
Minimise risks: How to identify reputable providers
The market for loans without credit checks unfortunately also attracts dubious players. High interest rates are a well-known feature, but there are other pitfalls as well. A typical risk is taking out an expensive residual debt insurance, the cost of which can amount to up to ten percent of the loan amount.
Watch out for these warning signs to avoid falling into the hands of an unscrupulous provider:
Advance fees: Charges for the application process or for sending documents via cash on delivery are a clear indication of fraud.
Expensive hotlines: Chargeable service numbers indicate an untrustworthy business model.
No imprint: Missing or incomplete contact information on the website is an alarm signal.
Unrealistic promises: Guaranteed loan approvals without any checks are impossible and dubious.
A reputable broker will always assess your financial situation and provide clear information about all costs. A fair loan brokerage is crucial. But what legal framework conditions actually apply to these loans?
Legal foundations and expert tips for contract review
In Germany, the Civil Code (BGB) governs the granting of credit. According to § 505a BGB, credit institutions are required to assess a consumer's creditworthiness before concluding a contract. This is to protect against excessive debt. A 'credit without Schufa' circumvents the inquiry at Germany's most renowned credit agency, but not the creditworthiness check itself.
Providers use alternative credit agencies or rely solely on proof of income. Our expert tip: Examine the effective annual interest rate in the contract carefully. It must include all costs of the credit and is the best point of comparison. Additionally, pay attention to the regulations regarding early repayment. A special repayment should be possible at any time. A reputable quick loan offers flexible terms here. Once the legal aspects are clear, the question of better alternatives arises.
Step by Step: Applying for Car Credit Without Schufa
If, after careful consideration, you decide on a car loan without a credit check, the process is usually straightforward. The entire process typically takes place online. First, you fill out an application form with personal details and information about your income. Often, you receive a preliminary approval within minutes.
Next, you must verify your identity and submit the required documents. Here is an overview of the typical process:
Complete the online application: Provide the loan amount, term, and personal information.
Preliminary review: The provider checks your information and gives initial feedback.
Identification: Verify your identity using postal or video identification methods.
Submit documents: Upload salary statements and bank statements from the last three months.
Final review and disbursal: After a positive review, the contract is drawn up and the loan is disbursed.
A loan without a credit check as an alternative can thus be accomplished within a few days. This brings you much closer to your new car.
Conclusion: Choose a solution with care
A car loan without Schufa can be the key to quickly becoming mobile if traditional banks decline. However, the financing comes with significantly higher costs and risks. The most important factor for successful and fair financing is choosing a reputable provider. Take your time to compare and review all contract details before signing. A car loan despite medium creditworthiness is often a better route than a completely Schufa-free loan. Weigh all options to avoid over-indebtedness and remain financially stable in the long term.
Request an individual risk analysis now: Have your insurance situation checked for free and receive specific optimization suggestions.
More useful links
SCHUFA provides information on the creditworthiness of individuals and companies in Germany.
The Verbraucherzentrale provides comprehensive information on the topic of 'Credit without SCHUFA' and offers advice on dealing with debt collection claims.
The Verbraucherzentrale warns against dubious loan websites that offer loans despite negative SCHUFA ratings.
The Deutsche Bundesbank provides statistics on interest rates for consumer loans to private households.
The Federal Statistical Office (Destatis) publishes press releases and statistics on various social and economic topics.
On Gesetze im Internet, you will find the official text of § 491 of the German Civil Code (BGB), which regulates consumer loan agreements.
The Caritas offers online debt counselling and support for financial difficulties.
FAQ
Kann ich einen Autokredit ohne Schufa bekommen, wenn ich arbeitslos bin?
Nein, das ist in der Regel nicht möglich. Ein regelmäßiges und pfändbares Einkommen aus einem festen Arbeitsverhältnis ist die zentrale Voraussetzung für einen Kredit ohne Schufa, da es die einzige Sicherheit für die kreditgebende Bank darstellt.
Verbessert das Auto als Sicherheit meine Chancen?
Ja, bei einem Autokredit dient das finanzierte Fahrzeug der Bank als Sicherheit. Sie verlangt in der Regel die Zulassungsbescheinigung Teil II (Fahrzeugbrief) als Pfand. Dies kann die Chancen auf eine Zusage im Vergleich zu einem freien Ratenkredit erhöhen.
Führt die Kreditanfrage zu einem negativen Schufa-Eintrag?
Da der Kreditgeber keine Schufa-Abfrage durchführt, wird die Anfrage dort auch nicht vermerkt. Allerdings wird der Kredit bei einer ausländischen Auskunftei registriert. Sollten Sie die Raten nicht zahlen, kann dies zu einem negativen Eintrag bei der Schufa führen, wenn die Bank die Forderung in Deutschland vollstreckt.
Gibt es eine maximale Kreditsumme?
Ja, die Kreditsummen bei schufafreien Krediten sind meist begrenzt. Üblich sind Kleinkredite mit festen Summen wie 3.500, 5.000 oder 7.500 Euro. Höhere Beträge sind nur selten und unter strengen Auflagen verfügbar.
Wie schnell erhalte ich das Geld?
Wenn alle Unterlagen vollständig vorliegen und die Prüfung positiv ausfällt, kann die Auszahlung oft innerhalb von sieben bis zehn Werktagen erfolgen. Der Prozess ist durch die Online-Abwicklung in der Regel recht zügig.
Was ist ein „Schweizer Kredit“?
„Schweizer Kredit“ ist ein gängiger Begriff für einen Kredit ohne Schufa. Er bezeichnet Darlehen, die von Banken mit Sitz in der Schweiz (oder auch Liechtenstein) an deutsche Kunden vergeben werden und bei denen auf eine Abfrage bei der deutschen Schufa verzichtet wird.
