Your next car. From EUR 0 down — decision in 24 hours.
Instalment credit and leasing for used cars, through our German bank and leasing partners. Vehicle, registration and financing run through a single contact — so you drive next week, not in two months.
- Decision in 24 hours
- From EUR 0 down payment
- Terms of 12 – 84 months
- One contact in Oberasbach
The car is ready. The financing shouldn't be what holds it up.
A used car is sold the moment someone pays. Spend weeks negotiating with your own bank and the vehicle is usually gone. We submit the financing request alongside the reservation — so you normally know where you stand by the next business day.
What will my car cost per month?
Move the sliders. See instantly how down payment, term and residual affect your monthly rate. No email required.
- Down payment 0 – 50%
- Term 12 – 84 months
- Configurable final instalment
- Indicative estimate — the APR is stated in your offer
Leasing calculator
Indicative monthly rate in under 10 seconds — no credit check, no login.
18.000 €
12.000 €
Non-binding estimate. Real terms depend on credit, asset and partner. Not regulated financial advice.
From first click to keys — in 4 steps
Transparent process. No surprises.
Pick the car
Choose from our inspected stock or send us an external listing — we look at either.
Upload documents
ID card, your last three payslips and recent bank statements. Self-employed: tax assessment or interim accounts. Via our secure portal — 5 minutes.
Decision in 24 h
We approach our financing partners in parallel and send you the best terms — with the annual percentage rate stated in full.
Sign & drive
Sign digitally. We coordinate payout, registration and handover — throughout Germany.
Lease vs. buy — the honest answer
We earn on the car sale, not on the financing. So we tell you openly when leasing isn't worth it for you.
The financing partners we work with
Captive finance arms, independent leasing companies and direct banks — selected for used cars.
Direct and house banks
Solid terms for salaried buyers on permanent contracts with a good credit profile.
Independent leasing companies
Fast decisions and flexible residuals — including for the self-employed and small businesses.
Digital credit platforms
Fully digital sign-off — usually the quickest route for smaller amounts.
Werner Jungnick is not a lender — we broker the financing. Which partners are approached in a given case depends on the vehicle, the amount and your credit profile.
What we commit to
- The enquiry is free and non-binding — even if you end up paying cash.
- You get the APR and the total amount payable in writing before you sign.
- We tell you when the financing does not add up for you.
- We only approach a financing partner once you have explicitly given us the go-ahead.
Financing FAQ
Who can apply for financing?+
Private individuals aged 18 or over, resident in Germany, with a regular income and a German bank account. Self-employed applicants and businesses are also eligible — we then additionally review recent business figures.
What terms and rates are typical?+
Terms from 12 to 84 months, down payment 0–50%, optionally with a final instalment. The annual percentage rate depends on credit profile, term and vehicle — your binding offer always states it in full, including the total amount payable.
How quickly can I take delivery?+
With complete documents the credit decision usually arrives within 24 hours and payout follows in 2–5 business days. We then arrange registration and handover — collection in Oberasbach or delivery to you.
Which documents are required?+
ID card, your last three payslips and recent bank statements. Self-employed applicants submit their most recent tax return or interim financial statement instead. Everything goes through our secure upload portal.
Leasing or credit — which suits me?+
Leasing keeps the monthly rate low and you simply hand the car back at the end — sensible if you change vehicles every three or four years. With credit the car is yours afterwards, which pays off if you keep it long term. We model both options for the car you want.
What happens at the end of the term?+
With credit the car is yours once the final instalment is paid. If a balloon payment applies you can settle it, refinance it, or trade the car in. With leasing you return the vehicle or buy it at the agreed residual value.
Can I trade in my current car?+
Yes. We appraise your car free of charge and credit the amount directly as a down payment — which lowers either your monthly rate or the term.
Tell us the car you want. We'll deliver the rate.
Reply within 2 hours during business hours. Binding offer no later than the next business day.
Werner Jungnick Gebrauchtwagenhandel e.K. brokers financing and is not a lender. Everything on this page is indicative; binding terms including the annual percentage rate are set out by the financing partner in the contract offer.