To be the test winner in a car loan is a great honor. Everyone should reserve the right to award this award. Only the loan terms that are tailored to the needs of the individual borrower should be considered as an evaluation criterion for the personal choice.
The most beautiful interest rate dependent on creditworthiness does not help the individual if he is not approved. The credit comparison is used to determine the personal test winner.
In order to be able to choose the personal car loan as the test winner, all possibilities of a vehicle loan should be compared. The first loan offered with every vehicle purchase is the loan from the vehicle dealer.
Dealer loans are often offered as part of special promotions at particularly low-interest rates. In order to be able to compare all offers fairly, it is important to know the cash payment price for the vehicle. This discount often relativizes the favorable interest rate offers on the loans from the dealer.
Through the dealer can take advantage of the cash discount. The house bank is one of the contacts. She has known the customer for many years and also has a good insight into their payment behavior via the current account. If there have never been any problems, cheap, credit-dependent offers can be used.
You can also get that at the house bank. If the credit rating is not quite as good, the advisor will offer a loan with interest independent of the credit rating. In some cases, if the creditworthiness is sufficient, but not quite as good, the non-creditworthy interest rate leads to the personal car loan test winner. In the case of a vehicle loan, the real value is always additional credit protection. This security is often rewarded with a lower interest rate.
The credit comparison of online loans is particularly pleasant. The offers can be viewed conveniently at any time. If the personal car loan test winner is among these offers, you can also apply online around the clock. The provisional loan approval, which is granted in real-time, ensures planning security when ordering vehicles. Most German online loans payout within just a few days.
If you no longer get a loan in Germany, the personal car loan test winner can also be a foreign loan. Swiss Credit loans are offered through credit intermediaries and financial portals. Lending is subject to less stringent requirements for international loans.
To compensate for this, however, the interest rate is also higher. If the loan is also refused as a Swiss loan, then only the personal loan remains as a possible alternative. Contact with private investors is also established via financial portals. If the car loan is not approved by any company, then the approved private loan can also be chosen as a personal car loan test winner.