EMaks Auto · Financing & Leasing · Nürnberg

Car Financing in Germany: Requirements, Conditions and Pitfalls

Getting a car loan in Germany is entirely possible even as an expat or immigrant — but only if you know what the bank checks and what mistakes to avoid. We break it all down.

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Car financing in Germany — EMaks Auto

⚙️ ARTICLE IN PREPARATION — full content coming soon

Key requirements

What you need to get a car loan

Most banks in Germany check the same core criteria. Here are the minimum requirements with which we actually process loans for our clients:

Net salary from 1,600€ This is the minimum threshold for most banks. The higher the salary, the larger the loan available.
Permanent employment contract Unbefristeter Arbeitsvertrag. Fixed-term contracts (befristet) are usually rejected or accepted very reluctantly.
Minimum 3 months at current employer Counted from the contract start date. Some banks require 6 months.
German residence registration (Anmeldung) A current registration address in Germany is required.
Clean SCHUFA The most important factor. No negative entries, arrears or active enforcement proceedings.
What is SCHUFA

SCHUFA: the German credit rating system

SCHUFA (Schutzgemeinschaft für allgemeine Kreditsicherung) is the German credit bureau that collects information about individuals' financial behaviour. Every time you take out a loan, sign a mobile phone contract, rent a flat or open a bank account — that information goes into SCHUFA.

Banks query SCHUFA before any loan. The result is a SCHUFA-Score from 0 to 100%: the higher the better. For a car loan you typically need 90%+.

⚠️ Watch out: TransferGo and similar services

Regular transfers via TransferGo, Wise, Azimo and similar services to foreign bank cards (especially in 3+ countries) can negatively affect your SCHUFA-Score or lead to a bank refusal — even if your formal score looks fine. Banks interpret this as an unusual financial pattern.

✓ Expired credit card or §24 — not a problem

We have solutions for clients with certain SCHUFA limitations. Get in touch for a consultation — we'll work it out individually.

Coming soon

Content in preparation

The full article will cover:

Our services

How else we can help

🔧 Mobile car inspection Found a car on mobile.de? We'll come and inspect it before purchase — 9 steps, 150+ photos, video report. From 100€. 🔨 Auction car purchase Copart, Caronsale, Auto1, AutoBid — we'll help you buy from auction. 1,000€ + 10% of vehicle value. 🚚 Vehicle delivery across Europe By driver from 1€/km or flatbed from 1.30€/km. Minimum fee — 100€. 📖 Article: Mobile car inspection Detailed breakdown of all 9 inspection steps — what we check and how at each stage.

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