This is where the dealer makes the monthly payment look incredibly low.
This is the traditional installment loan model. You select your vehicle, decide on a down payment, and set a fixed term (typically between 12 and 72 months). vw bank autokredit
(Three-Way Financing – Balloon loan)
: You pay off the entire vehicle value over the term, meaning once the final installment is paid, you own the car outright with no remaining balance. This is where the dealer makes the monthly
| Scenario | Best choice | |----------|--------------| | You keep cars 5+ years | (VW or external) | | You want a new ID. every 3 years | VW Leasing (not 3-Wege) | | You have cash, but want a discount | Ratenkredit + early payoff | | Your Schufa is weak | Barzahlung or Kredit von der Hausbank | (Three-Way Financing – Balloon loan) : You pay