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Slices",[1380,1477,1507,1512,1524,1554,1649,1793,1949,1999,2010],{"variation":1381,"version":1382,"items":1383,"primary":1384,"id":1475,"slice_type":1476,"slice_label":5},"default","initial",[],{"text":1385,"chart_alt":5},[1386,1389,1392,1396,1401,1406,1411,1416,1421,1424,1427,1442,1459],{"type":1031,"text":1387,"spans":1388,"direction":1034},"Ein neues Auto ist keine Anschaffung, die die meisten Menschen aus der Portokasse bezahlen. Eine Finanzierung mit guten Konditionen bietet eine gute Möglichkeit, den neuen fahrbaren Untersatz bequem in Raten abzubezahlen und im Alltag dennoch liquide zu bleiben. Allerdings ist Autokredit nicht gleich Autokredit: Es gibt große Unterschiede bei Zinssätzen, Laufzeiten und Konditionen. Während Autohändler oft Finanzierungen mit vermeintlich niedrigen Zinsen anbieten, kann ein unabhängiger Bankkredit auf Dauer günstiger und transparenter sein. Wer die Angebote vergleicht, spart häufig mehrere Hundert Euro pro Jahr.",[],{"type":1031,"text":1390,"spans":1391,"direction":1034},"Was Sie wissen müssen, um Lock-Angebote zu enttarnen und die wirklich guten Kredite zu erkennen:",[],{"type":1393,"text":1394,"spans":1395,"direction":1034},"heading2","Das Wichtigste im Überblick ",[],{"type":1031,"text":1397,"spans":1398,"direction":1034},"Planungssicherheit: Bei Autokrediten sind Laufzeit, Zins und Ratenhöhe fest vereinbart – die monatliche Belastung bleibt konstant. ",[1399],{"start":24,"end":1400,"type":1371},19,{"type":1031,"text":1402,"spans":1403,"direction":1034},"Zweckgebundener Kredit: Das Darlehen darf ausschließlich für den Fahrzeugkauf genutzt werden. ",[1404],{"start":24,"end":1405,"type":1371},23,{"type":1031,"text":1407,"spans":1408,"direction":1034},"Kreditsumme und Laufzeit: Kreditsummen liegen meist zwischen 5.000 und 100.000 Euro, die Laufzeit beträgt in der Regel 12 bis 96 Monate. Wer eine kürzere Laufzeit wählt, zahlt weniger Zinsen als Kunden, die sich mit der Tilgung Zeit lassen - allerdings bedeutet dies auch höhere Raten.",[1409],{"start":24,"end":1410,"type":1371},25,{"type":1031,"text":1412,"spans":1413,"direction":1034},"Sicherheiten: Früher war es üblich, dass Banken den Kfz-Brief als Sicherheit haben wollten. Derzeit ist den meisten Banken der Aufwand der Verwaltung zu hoch und sie verzichten auf verwertbare Sicherheiten.",[1414],{"start":24,"end":1415,"type":1371},13,{"type":1031,"text":1417,"spans":1418,"direction":1034},"Zinsvorteil: Da der Autokredit zweckgebunden ist, liegen die Zinsen in meisten Fällen etwas unter denen eines herkömmlichen Ratenkredits. ",[1419],{"start":24,"end":1420,"type":1371},12,{"type":1031,"text":1422,"spans":1423,"direction":1034},"",[],{"type":1393,"text":1425,"spans":1426,"direction":1034},"Für jeden der richtige Autokredit",[],{"type":1428,"text":1429,"spans":1430,"direction":1034},"list-item","Für alle, die faire Konditionen schätzen: Der FAIRbraucherkredit der EthikBank* bietet Zinsen ab 5,95 % – ideal für alle, die Wert auf transparente Finanzierung und verantwortungsvolles Banking legen.",[1431,1433,1438,1439],{"start":24,"end":1432,"type":1371},41,{"start":1434,"end":1435,"type":1367,"data":1436},46,79,{"link_type":49,"url":1437,"target":52},"https:\u002F\u002Fwww.ethikbank.de\u002Fprivatkunden\u002Fkredite\u002Ffairbraucherkredit",{"start":1434,"end":1435,"type":1371},{"start":1440,"end":1441,"type":1371},97,104,{"type":1428,"text":1443,"spans":1444,"direction":1034},"Für alle, die flexibel bleiben wollen: Der ADAC Autokredit (in Kooperation mit der Bank11) bietet bonitätsunabhängige Konditionen – wahlweise als Ballon- oder Ratenkredit. Ausgezeichnet als „Bester Autokredit 2025“ von FMH und Handelsblatt.",[1445,1447,1450,1453,1456],{"start":24,"end":1446,"type":1371},38,{"start":1448,"end":1449,"type":1371},43,58,{"start":1451,"end":1452,"type":1371},146,170,{"start":1454,"end":1455,"type":1371},190,214,{"start":1457,"end":1458,"type":1371},219,239,{"type":1428,"text":1460,"spans":1461,"direction":1034},"Für Digital-Fans und Schnellentschlossene: Die Bank of Scotland* überzeugt mit dauerhaft günstigen Zinsen ab 5,59 % – schnell, papierlos und unkompliziert.",[1462,1464,1468,1469,1472],{"start":24,"end":1463,"type":1371},42,{"start":1465,"end":1374,"type":1367,"data":1466},47,{"link_type":49,"url":1467,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C26621968T&subid=fjdrAK",{"start":1465,"end":1374,"type":1371},{"start":1470,"end":1471,"type":1371},106,108,{"start":1473,"end":1474,"type":1371},109,115,"text_block$e31ade52-edd1-4389-bb1e-82c26ebadbf3","text_block",{"variation":1381,"version":1382,"items":1478,"primary":1479,"id":1506,"slice_type":1476,"slice_label":5},[],{"text":1480,"chart_alt":5},[1481,1484,1493,1496,1498,1501,1504],{"type":1393,"text":1482,"spans":1483,"direction":1034},"Zwei Möglichkeiten, die besten Ratenkreditzinsen zu finden",[],{"type":1485,"text":1486,"spans":1487,"direction":1034},"heading4","1.) FMH.de hat den Autokredit-Vergleich in den großen Ratenkredit-Vergleich integriert ",[1488],{"start":1489,"end":1490,"type":1367,"data":1491},54,75,{"id":377,"type":107,"tags":1492,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1031,"text":1494,"spans":1495,"direction":1034},"Dort können Sie unter „Finanzierungszweck“ Autokauf auswählen und erhalten jene Zinsangebote angezeigt, die mit verbilligten Zinsen für den Autokauf möglich sind. Und dort können Sie auch, je nach eigener Bonitätseinschätzung, die besten möglichen Kreditangebote finden. ",[],{"type":1031,"text":1422,"spans":1497,"direction":1034},[],{"type":1485,"text":1499,"spans":1500,"direction":1034},"2.) Zusätzlich haben wir hier noch einen interessanten Rechner für Sie",[],{"type":1031,"text":1502,"spans":1503,"direction":1034},"Viele Autohäuser bieten ihren Kunden verbesserte Autokredite an. Allerdings werden diese verbilligten Kredite oft mit weniger Preisnachlass beim Kaufpreis bezahlt. Dies ist nicht immer so, aber sehr oft. Wer gut verhandeln kann, soll mit unserem Rechner aufgezeigt bekommen, wie hoch der Preisnachlass sein müsste, damit sich ein günstiger normaler Autokredit bei einer Bank mehr lohnen würde als der Händlerkredit. Sie müssen nur das Händlerangebot in den Rechner übertragen und unser Rechner rechnet Ihnen aus, wie hoch der Preisnachlass sein müsste, damit Händler- und Bankkredit gleich teuer sind. ",[],{"type":1031,"text":1422,"spans":1505,"direction":1034},[],"text_block$bcb2b91b-ab61-4adc-8d42-e88a42405ae5",{"variation":1381,"version":1382,"items":1508,"primary":1509,"id":1510,"slice_type":1511,"slice_label":5},[],{"type":1064},"calculator_embed$b85125cb-1b9c-44c0-a668-a794114344df","calculator_embed",{"variation":1381,"version":1382,"items":1513,"primary":1514,"id":1523,"slice_type":1476,"slice_label":5},[],{"text":1515,"chart_alt":5},[1516],{"type":1031,"text":1517,"spans":1518,"direction":1034},"* Einige Links auf dieser Seite sind sogenannte Affiliate-Links.\nWenn Sie darüber ein Angebot nutzen, erhalten wir eine kleine Vergütung. Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1519,1520],{"start":24,"end":25,"type":1371},{"start":1521,"end":1522,"type":1371},138,172,"text_block$82d10ee3-4dd3-4208-9cf6-f919dc1d7cd0",{"variation":1381,"version":1382,"items":1525,"primary":1526,"id":1552,"slice_type":1553,"slice_label":5},[],{"heading":1527,"title":1528,"text":1529,"image":1539,"rounded_image":1347,"button_link":1548},"Von FMH-Finanzberatung und Handelsblatt ausgezeichnet","Die besten Autokredite 2026",[1530,1533,1536],{"type":1031,"text":1531,"spans":1532,"direction":1034},"Welche Autokredite wurden zuletzt ausgezeichnet?\nDie FMH-Finanzberatung zeigt im Auftrag des Handelsblatt, welche Autokredite 2026 die besten Konditionen bieten. Ausgewertet wurden bonitätsunabhängige und bonitätsabhängige Angebote.\n\nTop 3 (bonitätsunabhängig) - PSD Bank West, PSD Bank Rhein-Ruhr, ADAC Finanzdienste",[],{"type":1031,"text":1534,"spans":1535,"direction":1034},"Top 3 (Beste Bonität) - ING, norisbank, Creditplus Bank",[],{"type":1031,"text":1537,"spans":1538,"direction":1034},"Top 3 (Zins für 2\u002F3 der Kunden) - BBBank eG, ING, Openbank (ehem. Santander)",[],{"dimensions":1540,"alt":1543,"copyright":1544,"url":1545,"id":1546,"edit":1547},{"width":1541,"height":1542},435,548,"Siegel Beste Autokredite 2026 Handelsblatt","Handelsblatt, FMH-Finanzberatung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FYP2JKlKJYb5Inp-n_Siegel-HB-Autokredite-2026.png?auto=format,compress","YP2JKlKJYb5Inp-n",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1549,"url":1550,"target":52,"text":1551},"28b39254-ee19-4dcc-82d8-0fc9a1f4316c","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-autokredite","Auswertung ansehen","award_box$e9f52c45-853f-46f8-9a7d-08c04c428540","award_box",{"variation":1381,"version":1382,"items":1555,"primary":1556,"id":1648,"slice_type":1476,"slice_label":5},[],{"text":1557,"chart_alt":5},[1558,1561,1564,1567,1570,1573,1579,1584,1587,1591,1594,1597,1600,1603,1605,1610,1613,1616,1619,1622,1625,1628,1633,1637,1639,1642],{"type":1393,"text":1559,"spans":1560,"direction":1034},"Warum ein Autokredit sinnvoll ist ",[],{"type":1031,"text":1562,"spans":1563,"direction":1034},"Ein Autokredit ist fast immer günstiger als die Finanzierung über einen Dispokredit. Das gilt selbst dann, wenn sie einen günstigen Kleinwagen erwerben. Der Grund: Dispozinsen liegen häufig im zweistelligen Bereich – Autokredite dagegen oft bei einem Drittel davon.",[],{"type":1031,"text":1565,"spans":1566,"direction":1034},"Auch normale Ratenkredite ohne Zweckbindung können bei den Konditionen spezieller Autokredite normalerweise nicht mithalten.",[],{"type":1031,"text":1568,"spans":1569,"direction":1034},"Tipp: Auch für den Kauf von Gebrauchtwagen oder Elektrofahrzeugen sind Autokredite eine gute Wahl – und bei Online-Banken erfolgt die Auszahlung in der Regel binnen weniger Tage.",[],{"type":1031,"text":1571,"spans":1572,"direction":1034}," ",[],{"type":1393,"text":1574,"spans":1575,"direction":1034},"Wie funktioniert ein Autokredit? ",[1576],{"start":1577,"end":1578,"type":1371},32,33,{"type":1031,"text":1580,"spans":1581,"direction":1034},"Beim Autokredit handelt es sich um einen zweckgebundenen Ratenkredit, bei dem das Fahrzeug sehr selten als Sicherheit dient. Die Zinsverbilligung geschieht in der Erwartung, dass auch das nächste Auto wieder bei der gleichen Bank finanziert wird.\nDie Kreditprüfung ist identisch mit der eines zweckgebundenen Ratenkredits. Man stellt eine Kreditanfrage und die Bank prüft die Bonität – oft per Kontocheck oder Kontoblick. Bei diesem Verfahren wird das das Girokonto des Kunden der letzten drei Monate gescannt und ausgewertet. Dies ersetzt die Vorlage von Einkommensnachweisen, da sowohl die Einnahmen als auch die regelmäßigen Ausgaben auf dem Girokonto ersichtlich sind. Dann wird eine Schufa-Auskunft eingeholt und dann entschieden, ob eine Kreditvergabe möglich ist und zu welchen Bedingungen. Denn bei den meisten Bankangeboten handelt es sich um bonitätsabhängige Ratenkredite. Das heißt, je besser die Bonität, desto besser der Zinssatz und dieser wird erst nach Sichtung der Einnahmen und Ausgaben festgelegt.",[1582],{"start":1432,"end":1583,"type":1371},68,{"type":1031,"text":1585,"spans":1586,"direction":1034},"Die Bank zahlt den Kreditbetrag entweder auf das Konto des Kunden oder direkt an den Autoverkäufer aus. ",[],{"type":1031,"text":1588,"spans":1589,"direction":1034},"Typische Merkmale: ",[1590],{"start":24,"end":1400,"type":1371},{"type":1428,"text":1592,"spans":1593,"direction":1034},"Fester Zinssatz und feste Laufzeit ",[],{"type":1428,"text":1595,"spans":1596,"direction":1034},"Der Kredit ist am Ende der Laufzeit auf null und der Autowert steht dem Kunden uneingeschränkt zur Verfügung. ",[],{"type":1428,"text":1598,"spans":1599,"direction":1034},"Jederzeit kostenfreie oder sehr günstige Möglichkeit zur Sondertilgung oder vorzeitigen Ablösung, was bei einem Autoverkauf von Vorteil ist.",[],{"type":1428,"text":1601,"spans":1602,"direction":1034},"In Einzelfällen dient Fahrzeug der Bank als Sicherheit, geht aber nach Zahlung der letzten Rate automatisch ins Eigentum des Käufers über.",[],{"type":1031,"text":1571,"spans":1604,"direction":1034},[],{"type":1393,"text":1606,"spans":1607,"direction":1034},"Autokredit oder Händlerfinanzierung – was lohnt sich mehr? ",[1608],{"start":1449,"end":1609,"type":1371},59,{"type":1031,"text":1611,"spans":1612,"direction":1034},"Viele Autohändler werben damit, ihre Kunden mit besonders günstigen Finanzierungen, teils zu „null Prozent Zinsen“ zu versorgen, so dass Kauf und Kredit quasi „aus einer Hand“ stammen. Das klingt erst einmal sehr verlockend. Nur leider haben diese Modelle oft mehrere Haken.",[],{"type":1031,"text":1614,"spans":1615,"direction":1034},"Zum einen ist die Finanzierung in der Regel an den Kauf eines bestimmten Fahrzeugmodelles oder zumindest einer bestimmten Marke gebunden. Besonders gute Zinsen sind zudem oft an befriste Aktionen gebunden. Das erzeugt Druck auf den Käufer.",[],{"type":1031,"text":1617,"spans":1618,"direction":1034},"Häufig entfallen zudem Preisnachlässe, die Barzahler erhalten könnten. Wer ein guter Verhandler ist, kann schnell zehn Prozent und mehr Preisnachlass aushandeln. In diesem Fall könnte man die Gesamtkosten für den verbilligten Autohändlerkredit einem Bankkredit bei geringerer Kreditsumme gegenüberstellen.",[],{"type":1031,"text":1620,"spans":1621,"direction":1034},"Wer sich für einen speziellen Autokredit einer Bank entscheidet, kann sich meist über weitere Besonderheiten freuen – gegenüber dem Händlerkredit.",[],{"type":1428,"text":1623,"spans":1624,"direction":1034},"Sie können Rabatte beim Händler nutzen. ",[],{"type":1428,"text":1626,"spans":1627,"direction":1034},"Sie entscheiden frei über Marke, Modell und Verkäufer. ",[],{"type":1428,"text":1629,"spans":1630,"direction":1034},"Sie sind nicht an den Hersteller oder eine bestimmte Bank gebunden. ",[1631],{"start":1632,"end":1583,"type":1371},67,{"type":1031,"text":1634,"spans":1635,"direction":1034},"👉 FMH-Tipp: Auch wenn Null-Prozent-Angebote verlockend klingen – rechnen Sie immer nach. Der tatsächliche Vorteil eines Händlerkredits schmilzt oft, wenn Preisnachlässe wegfallen. ",[1636],{"start":24,"end":1415,"type":1371},{"type":1031,"text":1571,"spans":1638,"direction":1034},[],{"type":1393,"text":1640,"spans":1641,"direction":1034},"Ballonkredit oder klassischer Autokredit? ",[],{"type":1031,"text":1643,"spans":1644,"direction":1034},"Neben dem klassischen Autokredit gibt es zur Finanzierung eines neuen Fahrzeugs noch eine zweite, weit verbreitete Möglichkeit: den sogenannten  Ballonkredit.\nHier zahlen Sie im Vergleich zum normalen Autokredit die deutlich niedrigen Monatsraten, müssen dafür aber am Ende der Laufzeit eine vergleichsweise hohe Schlussrate stemmen– den sogenannten „Ballon“. Dieser Restbetrag am Ende der Kreditlaufzeit wird von den Autobanken normalerweise so berechnet, dass er in etwa dem Restwert des Autos am Ende der Laufzeit entspricht. Man kann den errechneten Restbetrag, der nicht unbedingt dem tatsächlichen Autowert später entspricht, dann entweder weiterfinanzieren oder das Auto verkaufen oder aus angesparten Eigenmitteln begleichen.",[1645],{"start":1646,"end":1647,"type":1371},145,157,"text_block$d2e9f812-ce45-4c30-89a4-267547487cb2",{"variation":1381,"version":1382,"items":1650,"primary":1651,"id":1791,"slice_type":1792,"slice_label":5},[],{"title":1652,"table":1653},"Unterschiede zwischen einem klassischen Autokredit und einem Ballonkredit",{"head":1654,"body":1683},{"rows":1655},[1656],{"key":1657,"cells":1658},"de0d87b8-3cf3-4412-b433-f23e152253ba",[1659,1668,1676],{"key":1660,"type":1661,"content":1662},"1241c490-b5cd-42e6-8565-47d6b169a7cf","header",[1663],{"type":1031,"text":1664,"spans":1665,"direction":1034},"Merkmal ",[1666],{"start":24,"end":1667,"type":1371},7,{"key":1669,"type":1661,"content":1670},"a743b4aa-8a49-498d-8013-457ca966ccda",[1671],{"type":1031,"text":1672,"spans":1673,"direction":1034},"Klassischer Autokredit ",[1674],{"start":24,"end":1675,"type":1371},22,{"key":1677,"type":1661,"content":1678},"4c78be4c-b824-4341-9271-5c84477cd719",[1679],{"type":1031,"text":1680,"spans":1681,"direction":1034},"Ballonkredit ",[1682],{"start":24,"end":1420,"type":1371},{"rows":1684},[1685,1707,1728,1749,1770],{"key":1686,"cells":1687},"bd02a8dd-89e8-42e8-9577-253efcd57fbf",[1688,1695,1701],{"key":1689,"type":1690,"content":1691},"602469ee-c882-4498-ad9b-9a9c7ea3bf3b","data",[1692],{"type":1031,"text":1693,"spans":1694,"direction":1034},"Monatsraten ",[],{"key":1696,"type":1690,"content":1697},"4591da6e-5e35-4dd3-9a3e-f3f3dc6c0cbe",[1698],{"type":1031,"text":1699,"spans":1700,"direction":1034},"Gleichbleibend ",[],{"key":1702,"type":1690,"content":1703},"e920d934-7164-4922-bbba-0825c52d4f3a",[1704],{"type":1031,"text":1705,"spans":1706,"direction":1034},"Gleichbleibend aber niedriger ",[],{"key":1708,"cells":1709},"3cc8ac92-237c-4ae5-b5b0-03920ee5cb71",[1710,1716,1722],{"key":1711,"type":1690,"content":1712},"f5e6df5b-883b-4aad-91d8-03481bac1e5b",[1713],{"type":1031,"text":1714,"spans":1715,"direction":1034},"Schlussrate ",[],{"key":1717,"type":1690,"content":1718},"782fc2d2-a662-4ba8-84fd-2a028df0a86f",[1719],{"type":1031,"text":1720,"spans":1721,"direction":1034},"Keine ",[],{"key":1723,"type":1690,"content":1724},"ba811d06-67ac-4ebd-af05-6c5695d1396b",[1725],{"type":1031,"text":1726,"spans":1727,"direction":1034},"Je nach Restwertberechnung zu Vertragsbeginn",[],{"key":1729,"cells":1730},"8a47de84-25ee-41aa-b981-a18a797cb5a2",[1731,1737,1743],{"key":1732,"type":1690,"content":1733},"79f6e2dd-2fca-4228-955e-7775887a6c73",[1734],{"type":1031,"text":1735,"spans":1736,"direction":1034},"Gesamtkosten ",[],{"key":1738,"type":1690,"content":1739},"8d341128-e98a-4923-b4c5-0a1285b21372",[1740],{"type":1031,"text":1741,"spans":1742,"direction":1034},"Meist günstiger ",[],{"key":1744,"type":1690,"content":1745},"8a8e23d9-e5eb-4e91-af60-c852b707196e",[1746],{"type":1031,"text":1747,"spans":1748,"direction":1034},"Vergleichbare Gesamtkosten",[],{"key":1750,"cells":1751},"213edd32-5f7f-4bed-8dc6-0d61c217f3c3",[1752,1758,1764],{"key":1753,"type":1690,"content":1754},"773c5828-10b6-4e91-b58f-27facb69c720",[1755],{"type":1031,"text":1756,"spans":1757,"direction":1034},"Planungssicherheit ",[],{"key":1759,"type":1690,"content":1760},"813223e2-6f72-4109-a4bc-51c4169cfaae",[1761],{"type":1031,"text":1762,"spans":1763,"direction":1034},"Hoch ",[],{"key":1765,"type":1690,"content":1766},"08e47ce0-b134-44fb-80fa-637b389d63ce",[1767],{"type":1031,"text":1768,"spans":1769,"direction":1034},"Geringer, weil tatsächlicher Restwert unbekannt",[],{"key":1771,"cells":1772},"a7dfd5a6-5eb3-48af-aa10-2a3bf0540529",[1773,1779,1785],{"key":1774,"type":1690,"content":1775},"1089d9b5-a88c-49dd-abbe-e1e6edabf200",[1776],{"type":1031,"text":1777,"spans":1778,"direction":1034},"Restschuld ",[],{"key":1780,"type":1690,"content":1781},"017c54e2-ebc6-4a21-86fa-801e673d75eb",[1782],{"type":1031,"text":1783,"spans":1784,"direction":1034},"Am Laufzeitende null ",[],{"key":1786,"type":1690,"content":1787},"77b1fd0d-6116-412c-88af-56ec0c079ceb",[1788],{"type":1031,"text":1789,"spans":1790,"direction":1034},"Je nach Ballonangebot unterschiedlich hoch",[],"basic_table$06c4520b-37fd-472f-a263-4dd0ef86e2bb","basic_table",{"variation":1381,"version":1382,"items":1794,"primary":1795,"id":1948,"slice_type":1476,"slice_label":5},[],{"text":1796,"chart_alt":5},[1797,1803,1806,1814,1817,1820,1822,1827,1830,1835,1839,1843,1846,1848,1851,1853,1856,1859,1865,1870,1874,1879,1883,1885,1888,1893,1900,1908,1911,1914,1916,1919,1922,1926,1929,1932,1935,1940,1945],{"type":1031,"text":1798,"spans":1799,"direction":1034},"👉 Fazit: Für Autopfleger und regelmäßige Käufer von neuen oder guten gebrauchten Autos, sind Ballonkredite absolut eine Überlegung wert. Das Entscheidende ist der Restwert am Ende der Kreditlaufzeit und dafür ist ein Autopfleger von Vorteil. Ansonsten ist ein normaler AutoKredit die besser Variante. ",[1800],{"start":1801,"end":1802,"type":1371},3,9,{"type":1393,"text":1804,"spans":1805,"direction":1034},"Elektroauto finanzieren ",[],{"type":1031,"text":1807,"spans":1808,"direction":1034},"Einige Banken bieten spezielle E-Auto-Kredite oder grüne Finanzierungen an. Diese fördern den Kauf umweltfreundlicher Fahrzeuge und locken Kunden mit etwas verbilligten Konditionen, als beim klassischen Autokredit.",[1809,1811],{"start":1810,"end":1373,"type":1371},31,{"start":1812,"end":1813,"type":1371},51,71,{"type":1031,"text":1815,"spans":1816,"direction":1034},"Die Vorteile sind überschaubar, aber trotzdem zu erwähnen, weil die Banken dies zum Teil mit einem Zinsnachlass von 0,5 Prozent versehen. Ist also ein kleiner Bonus von Seiten der Bank.",[],{"type":1031,"text":1818,"spans":1819,"direction":1034},"Ansonsten ist die Finanzierung identisch mit der eines Verbrenners: Der Antrag erfolgt zu den gleichen Bedingungen, es gibt aber den besagten Zinsrabatt.",[],{"type":1031,"text":1571,"spans":1821,"direction":1034},[],{"type":1031,"text":1823,"spans":1824,"direction":1034},"Was beeinflusst den Autokreditzins? ",[1825],{"start":24,"end":1826,"type":1371},35,{"type":1031,"text":1828,"spans":1829,"direction":1034},"Die Höhe des Zinssatzes hängt von mehreren Faktoren ab: ",[],{"type":1428,"text":1831,"spans":1832,"direction":1034},"Bonität des Kreditnehmers: Die meisten Kredite werden je nach Kundenbonität vergeben und diese Bonitätseinschätzung erfolgt erst nach genauer Prüfung der Einnahmen und Ausgaben und der Schufa-Auskunft.",[1833],{"start":24,"end":1834,"type":1371},26,{"type":1428,"text":1836,"spans":1837,"direction":1034},"Fahrzeugart: Ob ein Kunde einen Neu- oder Gebrauchtwagen kauft hat ebenso Einfluss auf den Zins wie die Marke, das Alter und natürlich der Wert des Wagens.",[1838],{"start":24,"end":1420,"type":1371},{"type":1428,"text":1840,"spans":1841,"direction":1034},"Laufzeit und Ratenhöhe: Kürzere Laufzeiten sind meist günstiger, dafür müssen Kunden höhere monatliche Raten stemmen. ",[1842],{"start":24,"end":1405,"type":1371},{"type":1031,"text":1844,"spans":1845,"direction":1034},"Ein Beispiel: Ein Kunde nimmt einen Autokredit über 10.000 Euro zu fünf Prozent Zinsen pro Jahr auf. Die Laufzeit beträgt 36 Monate. Seine Monatsrate liegt damit bei ca. 299,71 Euro, die Gesamtkosten für Zinsen betragen rund 789 Euro. Bei gleicher Summe und gleichem Zins aber 60 Monaten Laufzeit beträgt die Monatsrate nur 188,71 Euro. Dafür steigen die Gesamtkosten auf rund 1.322 Euro. ",[],{"type":1031,"text":1422,"spans":1847,"direction":1034},[],{"type":1031,"text":1849,"spans":1850,"direction":1034},"Je besser die Bonität eines Kunden, desto günstiger der Kredit. Beim FMH-Autokreditvergleich können Sie sofort sehen, was die unterschiedliche Bonitätseinstufung an Mehrkosten verursachen würde. So müssen Sie nicht erst einen Antrag stellen und dann überrascht sein. ",[],{"type":1031,"text":1571,"spans":1852,"direction":1034},[],{"type":1393,"text":1854,"spans":1855,"direction":1034},"So beantragen Sie einen Autokredit ",[],{"type":1031,"text":1857,"spans":1858,"direction":1034},"Der Ablauf ist einfach und ähnelt dem der Beantragung eines Ratenkredits. Hier sind die wichtigsten Schritte, die Sie durchlaufen müssen: ",[],{"type":1860,"text":1861,"spans":1862,"direction":1034},"o-list-item","Kassensturz durchführen: Wie hoch ist der Finanzierungsbedarf, wie viel Eigenkapital steht bereit? ",[1863],{"start":24,"end":1864,"type":1371},24,{"type":1860,"text":1866,"spans":1867,"direction":1034},"Anbieter vergleichen: Nutzen Sie den FMH.de-Autokreditvergleich, um die besten Konditionen zu finden. ",[1868],{"start":24,"end":1869,"type":1371},21,{"type":1860,"text":1871,"spans":1872,"direction":1034},"Unterlagen einreichen: In der Regel verlangen Banken die letzten drei Gehaltsnachweise, Kontoauszüge, Ihren Personalausweis und die Fahrzeugdaten Ihres Wunschautos. Sehr häufig erwarten die Banken zudem eine Erlaubnis zur sogenannten PSD2 Überprüfung, auch bekannt als Kontocheck. Kunden erlauben ihrer Bank dann, online den Girokontoverlauf der vergangenen drei Monate zu scannen, und alle Kontobewegungen zu bewerten. Der Vorteil: Oft werden Gehaltsnachweise dadurch hinfällig. ",[1873],{"start":24,"end":1675,"type":1371},{"type":1860,"text":1875,"spans":1876,"direction":1034},"Bonitätsprüfung: Die Bank prüft Ihre Unterlagen und setzt den Zinssatz auf Grundlage Ihrer Bonität fest. Bei Angeboten mit bonitätsunabhängigem Zinsen steht der Zinssatz stets von Anfang an fest. Allerdings kann es bei diesen Produkten auch passieren, dass die Bank den Kredit ablehnt, wenn nicht sichergestellt ist, dass der Kunde sein Darlehen zurückzahlen kann. Wer sich unsicher ist, in welche Bonitätsstufe er eingruppiert wird, kann sich an den 2\u002F3 Zinsen orientieren, die die Banken benennen müssen. Das bedeutet: Diesen Zins erhielten 2\u002F3 der Kunden in den zurückliegenden Monaten. ",[1877],{"start":24,"end":1878,"type":1371},16,{"type":1860,"text":1880,"spans":1881,"direction":1034},"Vertragsabschluss & Auszahlung: Nachdem der Kreditvertrag unterschrieben ist erfolgt die Auszahlung meist binnen weniger Tage.",[1882],{"start":24,"end":1810,"type":1371},{"type":1031,"text":1571,"spans":1884,"direction":1034},[],{"type":1393,"text":1886,"spans":1887,"direction":1034},"Vorzeitige Rückzahlung und Sondertilgung ",[],{"type":1031,"text":1889,"spans":1890,"direction":1034},"Wie beim Ratenkredit ist auch beim Autokredit eine vorzeitige Rückzahlung gesetzlich erlaubt. \nBanken dürfen eine geringe Vorfälligkeitsentschädigung verlangen – maximal: ",[1891],{"start":1812,"end":1892,"type":1371},73,{"type":1428,"text":1894,"spans":1895,"direction":1034},"Läuft der Kredit noch länger als zwölf Monate, darf die Vorfälligkeitsentschädigung maximal ein Prozent des Kaufpreises ausmachen. ",[1896,1897],{"start":1675,"end":1373,"type":1371},{"start":1898,"end":1899,"type":1371},84,119,{"type":1428,"text":1901,"spans":1902,"direction":1034},"Bei kürzeren Restlaufzeiten ist die Vorfälligkeitsentschädigung für den Autokredit auf maximal 0,5 Prozent des Kaufpreises gedeckelt. ",[1903,1906],{"start":1904,"end":1905,"type":1371},4,27,{"start":1907,"end":1470,"type":1371},95,{"type":1031,"text":1909,"spans":1910,"direction":1034},"Beispiel: Kreditrestlaufzeit 17 Monate und Restkredithöhe 7.500 Euro. Die Vorfälligkeitsentschädigung wäre hier 75 Euro.",[],{"type":1031,"text":1912,"spans":1913,"direction":1034},"Viele Banken verzichten sogar vollständig auf eine Vorfälligkeitsentschädigung bei Autokrediten. ",[],{"type":1031,"text":1571,"spans":1915,"direction":1034},[],{"type":1393,"text":1917,"spans":1918,"direction":1034},"Was geschieht bei Verkauf, Arbeitslosigkeit oder Tod? ",[],{"type":1031,"text":1920,"spans":1921,"direction":1034},"Wenn das Leben einmal anders verläuft, als geplant, sollten Kunden frühzeitig mit ihrem Geldgeber das weitere Vorgehen besprechen und gemeinsame Lösungen suchen. Klassische Situationen für solche Sonderfälle sind zum Beispiel diese.",[],{"type":1031,"text":1923,"spans":1924,"direction":1034},"Fahrzeugverkauf: \nBeispiel 1: Kunde musste seinen Fahrzeugbrief (Zulassungsbescheinigung II) bei der Bank als Sicherheit hinterlegen.",[1925],{"start":24,"end":1878,"type":1371},{"type":1031,"text":1927,"spans":1928,"direction":1034},"Will dieser Kunde sein (neues) Auto verkaufen, obwohl der Autokredit noch läuft, kann er dies nur mit Zustimmung der Bank machen, weil der Kfz-Brief an die Bank abgetreten war. Die Bank erwartet in diesem Fall, dass aus dem Autoverkauf der Kredit zurückgezahlt wird.",[],{"type":1031,"text":1930,"spans":1931,"direction":1034},"Beispiel 2: Kunde musste seinen Fahrzeugbrief (Zulassungsbescheinigung II) nicht als Sicherheit der Bank übereignen.",[],{"type":1031,"text":1933,"spans":1934,"direction":1034},"In diesem Fall, kann der Kunde sein Auto jederzeit verkaufen. Er kann mit dem Verkaufserlös den laufenden Kredit vorzeitig tilgen oder den Verkaufserlös für ein neues Auto oder anderen Zweck einsetzen. ",[],{"type":1031,"text":1936,"spans":1937,"direction":1034},"Arbeitslosigkeit: \nWer seinen Job verliert, hat oft Probleme, den laufenden Kredit ordnungsgemäß zu bedienen. In diesen Konstellationen ist es extrem wichtig, die Bank so früh wie möglich zu informieren. Oft sind Ratenpausen oder Laufzeitverlängerungen möglich, da keine Bank Interesse an einem Totalausfall hat und daher schon im eigenen Interesse dazu beitragen wird, eine Lösung für das Problem zu finden. ",[1938],{"start":24,"end":1939,"type":1371},17,{"type":1031,"text":1941,"spans":1942,"direction":1034}," Todesfall: \nBesteht keine Risikoversicherung, treten die Erben an die Stelle des Kreditnehmers und übernehmen dessen Verpflichtungen oder lehnen die Erbschaft ab. Wer sich dazu Gedanken macht, sollte sich über eine extrem günstige Risikoversicherung Gedanken machen und weniger über eine Restschuldversicherung, die von einigen Banken empfohlen wird.",[1943],{"start":25,"end":1944,"type":1371},11,{"type":1031,"text":1946,"spans":1947,"direction":1034},"Beispiel: Eine Risiko-Lebensversicherung für eine 40-jährige Frau über 50.000 Euro mit einer Laufzeit von 30 Jahren kostet monatlich lediglich rund neun Euro.",[],"text_block$d3932f70-ddaa-4e0c-8bf8-9745b189f8f0",{"variation":1381,"version":1382,"items":1950,"primary":1951,"id":1998,"slice_type":67,"slice_label":5},[],{"title":1952,"center_title":45,"border":1347,"open_close_icon":1953,"max_width":1954,"list":1955},"Häufig gestellte Fragen zum Autokredit","Caret","none",[1956,1962,1968,1974,1980,1986,1992],{"question":1957,"answer":1958},"Was ist ein Autokredit?",[1959],{"type":1031,"text":1960,"spans":1961,"direction":1034},"Ein zweckgebundener Ratenkredit, mit dem der Kauf eines Fahrzeugs finanziert wird.",[],{"question":1963,"answer":1964},"Wie funktioniert die Sicherungsübereignung?",[1965],{"type":1031,"text":1966,"spans":1967,"direction":1034},"Wenige Banken lassen sich den Kfz-Brief (Zulassungsbescheinigung II) als Sicherheit abtreten. Damit kann das Auto ohne Zustimmung der Bank und Darlehenstilgung nicht vorzeitig verkauft werden. Der Käufer hat also nur das Nutzungsrecht. Nach vollständiger Rückzahlung geht das Eigentum am Auto dann automatisch auf den (vormaligen) Kreditnehmer über. Der Kfz-Brief wird dem Kunden zurückgegeben.",[],{"question":1969,"answer":1970},"Was ist günstiger: Händlerfinanzierung oder Bankkredit?",[1971],{"type":1031,"text":1972,"spans":1973,"direction":1034},"Wer gut verhandeln kann und der Händler bereit ist und für Barzahler einen Rabatt einräumt, kann mit einem Bankkredit oft günstiger finanzieren.",[],{"question":1975,"answer":1976},"Kann ich meinen Autokredit vorzeitig ablösen?",[1977],{"type":1031,"text":1978,"spans":1979,"direction":1034},"Ja, das ist jederzeit möglich und oft sogar kostenfrei. Eventuelle Entschädigungen sind gesetzlich auf maximal ein Prozent der Restschuld begrenzt. Viele Anbieter verzichten aber sogar ganz darauf. Bei einem Restdarlehen von 9.500 Euro wären dies maximal 95 Euro.",[],{"question":1981,"answer":1982},"Wie hoch kann ein Autokredit sein?",[1983],{"type":1031,"text":1984,"spans":1985,"direction":1034},"Die Kreditsummen liegen meist zwischen 5.000 und 100.000 Euro – abhängig von Bonität und Einkommen.",[],{"question":1987,"answer":1988},"Kann ich auch ein Elektroauto finanzieren?",[1989],{"type":1031,"text":1990,"spans":1991,"direction":1034},"Ja. Viele Banken bieten spezielle E-Auto-Kredite mit vergünstigten Konditionen an.",[],{"question":1993,"answer":1994},"Was passiert, wenn ich den Kredit nicht mehr bedienen kann?",[1995],{"type":1031,"text":1996,"spans":1997,"direction":1034},"Sprechen Sie, wenn sich die Probleme abzeichnen, möglichst früh mit der Bank. Oft sind Stundungen oder Laufzeitverlängerungen möglich. Wird keine Lösung gefunden, wird die Bank dem Kunden empfehlen, das Auto zu verkaufen und einen möglichen Restbetrag über einen neuen Kredit mit längerer Laufzeit zurückzuzahlen.",[],"faq$a73f4617-76c6-4483-81c2-bea6e982b571",{"variation":1381,"version":1382,"items":2000,"primary":2001,"id":2009,"slice_type":1476,"slice_label":5},[],{"text":2002,"chart_alt":5},[2003,2006],{"type":1393,"text":2004,"spans":2005,"direction":1034},"Fazit ",[],{"type":1031,"text":2007,"spans":2008,"direction":1034},"Ein Autokredit ist eine relativ flexible und planbare Lösung, um ein neues Auto zu finanzieren. Er lässt sich für jede Art des fahrbaren Untersatzes nutzen, egal ob Neu- oder Gebrauchtwagen, Verbrenner oder Elektroauto.\nWer Angebote vergleicht, spart Geld und behält gleichzeitig die Kontrolle über Konditionen, Laufzeit und Zinsen.",[],"text_block$be793ce2-ba73-4687-bb58-d57bd21d1367",{"variation":2011,"version":1382,"items":2012,"primary":2013,"id":2018,"slice_type":2019,"slice_label":5},"latest",[],{"title":2014,"amount":1801,"topic_filter":2015,"first_big":45,"padding":45,"background":1377,"show_all_articles_button":45},"Das könnte Sie auch interessieren",{"id":1331,"type":1332,"tags":2016,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2017,"isBroken":45},[],"a2875652-a634-4f99-8526-85350906831e","article_cards$92fec7fd-546e-4190-b504-3e960c741e5e","article_cards","Autokredite vergleichen {{current_month}}\u002F{{current_year}}: Zinsvorteil sichern","Autokredit, Ballonkredit oder 0%-Finanzierung? 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Höher sollte die Inflation in der Eurozone eigentlich nicht liegen. Die mannigfaltigen Krisen in der Welt bewirken allerdings, dass die Teuerungsrate derzeit deutlich höher liegt. Die Europäische Zentralbank (EZB) reagiert darauf inzwischen vergleichsweise schnell – und erhöhte zuletzt im Juni die Leitzinsen. ",[],{"type":1031,"text":2579,"spans":2580,"direction":1034},"Die Folgen für die Verbraucher und die Banken sind bereits spürbar. Denn steigen die Leitzinsen, verteuern sich private Kredite – und das Kreditvolumen geht entsprechend zurück. Doch was bedeutet das genau? Und gibt es vielleicht sogar Profiteure einer solchen Entwicklung?",[],{"type":1393,"text":2582,"spans":2583,"direction":1034},"Gibt es Kredite nur noch für besonders solvente Kunden?",[],{"type":1031,"text":2585,"spans":2586,"direction":1034},"Die Frankfurter Allgemeine Zeitung hat dazu vor Kurzem eine Erhebung des Vergleichs- und Maklerportals Verivox vorgestellt. Diese kommt zu dem Ergebnis, dass Banken inzwischen wesentlich mehr Kreditanträge ablehnen als noch vor einigen Jahren. ",[2587],{"start":2588,"end":2589,"type":1367,"data":2590},124,242,{"link_type":49,"url":2591,"target":52},"https:\u002F\u002Fwww.faz.net\u002Faktuell\u002Ffinanzen\u002Fkreditzinsen-auf-3-jahres-tief-wer-profitiert-von-verivox-201047179.html",{"type":1031,"text":2593,"spans":2594,"direction":1034},"Grundsätzlich bedeuten weniger Kreditverträge für Banken immer auch weniger Geschäft – und damit eine Entwicklung, die in den Bilanzen nicht besonders gut aussieht. Der Geschäftsführer von Verivox, Oliver Maier, sieht darin aber auch etwas Gutes: Denn zumindest Kunden mit besonders guter Bonität würden nun von den Banken ganz besonders günstige Zinsen erhalten. Dahinter stecke die Idee, dass die Banken lieber auf Marge verzichten, als ihre Bilanzen mit einbrechenden Zahlen bei der Kreditvergabe zu belasten. Schlechter sehe es hingegen für klamme Kunden aus: Wer eine überschaubare Kapitaldecke hat (und deshalb wirklich auf das Darlehen angewiesen ist), gehe bei der Kreditvergabe oft leer aus, weil die Banken bei ihm (oder ihr) ein zu hohes Ausfallrisiko sehen – oder muss das hohe Risiko mit horrenden Zinsaufschlägen bezahlen.",[],{"type":1031,"text":2596,"spans":2597,"direction":1034},"Auch bei Verivox, das nicht nur Vergleiche anbietet, sondern seinen Nutzern auch Ratenkredite vermittelt, ist die mögliche Zinsspanne zwischen den angebotenen Darlehen immens. Bei einer Kreditlaufzeit von 60 Monaten reichen die Werte von 0,68 bis 14,90 Prozent pro Jahr. Je nach Bonität zahlt ein Kunde für seinen 20 000 Euro-Kredit also eine monatliche Rate zwischen 339 und 465 Euro. Die gesamte Zinslast liegt zwischen 346 Euro und 7.902 Euro.  ",[],{"type":1031,"text":2599,"spans":2600,"direction":1034},"Bei mittlerer Bonität liegt die durchschnittliche Rate nach den Daten der FMH-Finanzberatung, die auch die Angebote von Verivox im FMH-Ratenkreditvergleich listet, bei 392 Euro und die gesamte Zinssumme bei 3.528 Euro. Bei guter Bonität reduziert sich der Mittelwert auf 386 Euro pro Monat und die Zinskosten von 3.139 Euro. ",[2601,2605],{"start":1374,"end":2602,"type":1367,"data":2603},92,{"id":840,"type":813,"tags":2604,"lang":13,"slug":842,"first_publication_date":843,"last_publication_date":844,"uid":444,"url":845,"link_type":43,"isBroken":45},[],{"start":2606,"end":2607,"type":1367,"data":2608},131,155,{"id":377,"type":107,"tags":2609,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1393,"text":2611,"spans":2612,"direction":1034},"Fragwürdige Strategie",[],{"type":1031,"text":2614,"spans":2615,"direction":1034},"Überraschend war für mich allerdings der Tipp des Verivox-Geschäftsführers, wie Verbraucher mit mäßiger Bonität doch noch zu dem begehrten Darlehen kommen können. Maier rät dazu, den Kredit nicht alleine zu beantragen, sondern Freunde oder Verwandte mit ins Boot zu holen. Auf den ersten Blick erscheint das plausibel – vor allem, wenn die zusätzlichen Kreditnehmer finanziell bessergestellt sind, als der eigentliche Kunde. ",[],{"type":1031,"text":2617,"spans":2618,"direction":1034},"Ich persönlich würde von einem solchen Vorgehen allerdings dringend abraten. Wer von der Bank selbst mit hohen Risikoaufschlägen keinen Kredit mehr bekommt, sollte das als Warnsignal verstehen und versuchen, die eigenen Finanzen zu konsolidieren. Wer hingegen Freunde und Familie in das Schlamassel mit hineinzieht, verschärft im schlimmsten Fall die eigene Überschuldung – und belastet zudem die Beziehung zu diesen Menschen.",[],{"type":1031,"text":2620,"spans":2621,"direction":1034},"Dass ein Vermittler dennoch solchen Schritt empfiehlt, deutet aus meiner Sicht darauf hin, dass das eigene Geschäft wichtiger ist als eine verantwortliche Kundenbetreuung.\n",[],{"type":2623,"oembed":2624},"embed",{"embed_url":2625,"type":2626,"version":2627,"provider_name":2628,"thumbnail_url":2625,"html":2629,"url":2625},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F779a0f30-c076-4c78-9446-d9980c246ae2\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F779a0f30-c076-4c78-9446-d9980c246ae2\u002F\">\u003C\u002Fdiv>","Durchschnittlicher Ratenkreditzins für 36 und 60 Monate","text_block$7fe40317-ce5c-4d31-a653-0d2b372df4a1","Ratenkredit-Zinsen steigen: Bonität entscheidet stärker","Ratenkredite werden teurer und schwerer zugänglich. Der Artikel zeigt, warum gute Bonität zählt und weshalb ein zweiter Kreditnehmer riskant sein kann.",{"dimensions":2635,"alt":2636,"copyright":2637,"url":2638,"id":2639,"edit":2640},{"width":2097,"height":2098},"Ehepaar zu Hause besorgt über Schulden und steigende Lebenshaltungskosten","Monkey Business Images, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FlVNAQBosazLE_4o9_Paar-macht-sich-sorgen.jpg?auto=format,compress&rect=0,88,1250,656&w=2400&h=1260","lVNAQBosazLE_4o9",{"x":24,"y":2641,"zoom":25,"background":26},88,{"id":2643,"uid":2529,"url":2644,"type":319,"href":2645,"tags":2646,"first_publication_date":2647,"last_publication_date":2648,"slugs":2649,"linked_documents":2651,"lang":13,"alternate_languages":2652,"data":2653},"aifWLRUAACsASe2M","\u002Fartikel\u002Fdie-besten-autokredite-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aifWLRUAACsASe2M%22%29+%5D%5D",[],"2026-06-09T09:25:13+0000","2026-11-06T09:23:15+0000",[2650],"autokredite-bleiben-gefragt",[],[],{"publication_date":2654,"last_edit_date":2654,"set_last_edit_date_today":45,"title":1528,"subtitle":2655,"breadcrumb_title":5,"topic":2656,"teaser":2659,"author":2668,"cover":2675,"cover_position":1360,"table_of_content":1376,"toc_calculator":1377,"toc_selection":2682,"carousel_topic_filter":2683,"slices":2686,"meta_title":2823,"meta_description":2824,"meta_image":2825,"meta_indexed":1347},"2026-06-09","Wo Käufer von Neu- und E-Autos die besten Konditionen finden",{"id":1331,"type":1332,"tags":2657,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2658,"isBroken":45},[],"a32e51ee-4f04-4517-a1d0-220fb9595ebb",[2660],{"type":1031,"text":2661,"spans":2662,"direction":1034},"Ein neues Auto bleibt für viele Haushalte eine große Investition. Neben dem Kaufpreis entscheidet vor allem die Finanzierung über die tatsächlichen Kosten. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts untersucht, welche Autokredite 2026 mit günstigen Zinsen und flexiblen Rückzahlungsoptionen überzeugen.",[2663],{"start":2664,"end":2665,"type":1367,"data":2666},198,211,{"link_type":49,"url":2667,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Franking-2026-die-besten-autokredite-fuer-neuwagen-und-e-autos-im-vergleich\u002F100219024.html",{"id":2669,"type":1352,"tags":2670,"lang":13,"slug":2671,"first_publication_date":2672,"last_publication_date":2673,"uid":2671,"link_type":43,"key":2674,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","85deb4ff-6ad7-48e2-8293-6a67eb159bbe",{"dimensions":2676,"alt":2677,"copyright":2678,"url":2679,"id":2680,"edit":2681},{"width":2561,"height":2032},"Junge Frau, die aus dem Auto schaut und lacht.","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress","aifa7AeQX7-eXAbF",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"id":1331,"type":1332,"tags":2684,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2685,"isBroken":45},[],"799eada1-b228-4eb6-9893-4f6e5dde5f24",[2687],{"variation":1381,"version":1382,"items":2688,"primary":2689,"id":2822,"slice_type":1476,"slice_label":5},[],{"text":2690,"chart_alt":5},[2691,2694,2697,2700,2702,2706,2718,2721,2724,2727,2730,2733,2736,2739,2741,2743,2746,2750,2754,2759,2762,2770,2778,2780,2783,2786,2788,2791,2794,2797,2800,2802,2805,2815],{"type":1393,"text":2692,"spans":2693,"direction":1034},"Autokredite bleiben gefragt",[],{"type":1031,"text":2695,"spans":2696,"direction":1034},"Trotz staatlicher Förderungen und Herstelleraktionen finanzieren viele Verbraucher ihren Fahrzeugkauf ganz oder teilweise über einen Kredit. Besonders bei Elektroautos können Zuschüsse die Anschaffung erleichtern, die Finanzierung bleibt jedoch oft ein wichtiger Bestandteil des Kaufs.",[],{"type":1031,"text":2698,"spans":2699,"direction":1034},"Wer einen Autokredit abschließt, sollte nicht nur auf den beworbenen Zinssatz achten. Entscheidend ist der Effektivzins, da er sämtliche kreditrelevanten Kosten berücksichtigt und einen realistischen Vergleich ermöglicht.",[],{"type":1031,"text":1422,"spans":2701,"direction":1034},[],{"type":2703,"text":2704,"spans":2705,"direction":1034},"heading3","Was wurde untersucht?",[],{"type":1031,"text":2707,"spans":2708,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts fünf Anbieter mit bonitätsunabhängigen sowie neun Anbieter mit bonitätsabhängigen Autokrediten analysiert.",[2709,2711,2714],{"start":1904,"end":1675,"type":1367,"data":2710},{"link_type":49,"url":57,"target":52},{"start":1463,"end":2712,"type":1367,"data":2713},55,{"link_type":49,"url":2667,"target":52},{"start":2715,"end":2716,"type":1367,"data":2717},151,161,{"link_type":49,"url":1550,"target":52},{"type":1031,"text":2719,"spans":2720,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1428,"text":2722,"spans":2723,"direction":1034},"Effektivzinsen für Laufzeiten von 36 bis 60 Monaten",[],{"type":1428,"text":2725,"spans":2726,"direction":1034},"Kreditsumme von 20.000 Euro",[],{"type":1428,"text":2728,"spans":2729,"direction":1034},"Zinsvorteile für Elektrofahrzeuge",[],{"type":1428,"text":2731,"spans":2732,"direction":1034},"Möglichkeiten zur Ratenaussetzung",[],{"type":1428,"text":2734,"spans":2735,"direction":1034},"kostenfreie Sondertilgungen",[],{"type":1031,"text":2737,"spans":2738,"direction":1034},"Bei den bonitätsabhängigen Angeboten wurden sowohl die Bestzinsen als auch die für zwei Drittel der Kunden geltenden Zinssätze berücksichtigt.",[],{"type":1031,"text":1422,"spans":2740,"direction":1034},[],{"type":1393,"text":1528,"spans":2742,"direction":1034},[],{"type":1031,"text":2744,"spans":2745,"direction":1034},"Bei den bonitätsunabhängigen Angeboten erhielten drei Anbieter die Bewertung „sehr gut“:",[],{"type":1428,"text":2747,"spans":2748,"direction":1034},"PSD Bank West",[2749],{"start":24,"end":1415,"type":1371},{"type":1428,"text":2751,"spans":2752,"direction":1034},"PSD Bank Rhein-Ruhr",[2753],{"start":24,"end":1400,"type":1371},{"type":1428,"text":2755,"spans":2756,"direction":1034},"ADAC Finanzdienste",[2757],{"start":24,"end":2758,"type":1371},18,{"type":1031,"text":2760,"spans":2761,"direction":1034},"Positiv bewertet wurden insbesondere der Zinsvorteil für Elektrofahrzeuge sowie flexible Rückzahlungsoptionen.",[],{"type":1031,"text":2763,"spans":2764,"direction":1034},"Bei den bonitätsabhängigen Krediten überzeugten ING und Norisbank mit der Bestnote „sehr gut“. Beide Anbieter kombinieren günstige Effektivzinsen mit flexiblen Sondertilgungsmöglichkeiten.",[2765,2767],{"start":2766,"end":1812,"type":1371},48,{"start":2768,"end":2769,"type":1371},56,65,{"type":1031,"text":2771,"spans":2772,"direction":1034},"Betrachtet man statt des Bestzinses den für viele Verbraucher aussagekräftigeren Zwei-Drittel-Zins, ergibt sich ein anderes Bild: Hier kann die BBBank die Spitzenposition für sich beanspruchen. Die ING erhält auch hier die Note „sehr gut“.",[2773,2776],{"start":2774,"end":2775,"type":1371},144,150,{"start":2664,"end":2777,"type":1371},201,{"type":1031,"text":1422,"spans":2779,"direction":1034},[],{"type":2703,"text":2781,"spans":2782,"direction":1034},"Nicht nur auf den Zinssatz achten",[],{"type":1031,"text":2784,"spans":2785,"direction":1034},"Neben einem günstigen Effektivzins spielen flexible Kreditbedingungen eine wichtige Rolle. Besonders interessant sind:",[],{"type":1428,"text":2734,"spans":2787,"direction":1034},[],{"type":1428,"text":2789,"spans":2790,"direction":1034},"mögliche Ratenpausen",[],{"type":1428,"text":2792,"spans":2793,"direction":1034},"Zinsrabatte für Elektrofahrzeuge",[],{"type":1428,"text":2795,"spans":2796,"direction":1034},"transparente Gebührenmodelle",[],{"type":1031,"text":2798,"spans":2799,"direction":1034},"Wer unerwartet zusätzliches Geld erhält, kann durch Sondertilgungen die Restschuld reduzieren und dadurch Zinskosten sparen.",[],{"type":1031,"text":1422,"spans":2801,"direction":1034},[],{"type":2703,"text":2803,"spans":2804,"direction":1034},"Fazit: Vergleichen lohnt sich",[],{"type":1031,"text":2806,"spans":2807,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt, dass sich die Konditionen von Autokrediten deutlich unterscheiden. Besonders bei bonitätsabhängigen Angeboten liegen die tatsächlichen Kundenzinsen häufig über den beworbenen Bestzinsen.",[2808,2811],{"start":1904,"end":2809,"type":1367,"data":2810},37,{"link_type":49,"url":1550,"target":52},{"start":2812,"end":2813,"type":1367,"data":2814},53,66,{"link_type":49,"url":2667,"target":52},{"type":1031,"text":2816,"spans":2817,"direction":1034},"Der FMH Autokredit Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote für Neu- und Elektrofahrzeuge.",[2818],{"start":1904,"end":2819,"type":1367,"data":2820},28,{"link_type":49,"url":2821,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fautokredit","text_block$ec03013c-0ef6-41a5-8ee0-fc57af236dda","Autokredit-Vergleich 2026: Top-Konditionen | FMH.de","FMH & Handelsblatt zeigen die besten Autokredite 2026 für Neu- und E-Autos. Jetzt Zinsen, Sondertilgung und flexible Konditionen vergleichen.",{"dimensions":2826,"alt":2677,"copyright":2678,"url":2827,"id":2680,"edit":2828},{"width":2097,"height":2098},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1470,"zoom":25,"background":26},{"id":2830,"uid":2530,"url":2831,"type":319,"href":2832,"tags":2833,"first_publication_date":2834,"last_publication_date":2835,"slugs":2836,"linked_documents":2838,"lang":13,"alternate_languages":2839,"data":2840},"aZLk7hEAACcA0kg6","\u002Fartikel\u002Fdie-besten-flexiblen-ratenkredite-2026-02","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aZLk7hEAACcA0kg6%22%29+%5D%5D",[],"2026-02-16T13:48:42+0000","2026-11-06T09:32:14+0000",[2837],"ratenkauf-per-klick--oft-teurer-als-gedacht",[],[],{"publication_date":2841,"last_edit_date":2841,"set_last_edit_date_today":45,"title":2842,"subtitle":2843,"breadcrumb_title":5,"topic":2844,"teaser":2847,"author":2856,"cover":2859,"cover_position":1360,"table_of_content":1376,"toc_calculator":1377,"toc_selection":2682,"carousel_topic_filter":2866,"slices":2869,"meta_title":2998,"meta_description":2999,"meta_image":3000,"meta_indexed":1347},"2026-02-13","Die besten flexiblen Ratenkredite 2026","Günstiger als Dispo und Online-Ratenkauf – wo Kreditnehmer jetzt sparen",{"id":1331,"type":1332,"tags":2845,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2846,"isBroken":45},[],"c59afc0a-ce08-41d7-a746-d6f0b84fca06",[2848],{"type":1031,"text":2849,"spans":2850,"direction":1034},"Ratenzahlungen sind nur einen Klick entfernt – ob über PayPal oder beim Online-Händler. Auch der schnelle Dispo-Kredit ist leicht verfügbar. Doch viele dieser Finanzierungen sind teurer als man denkt. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche analysiert, welche flexiblen Ratenkredite 2026 mit fairen Zinsen und Sonderoptionen überzeugen.",[2851],{"start":2852,"end":2853,"type":1367,"data":2854},243,259,{"link_type":49,"url":2855,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fvorsorge\u002Fzinsvergleich-die-besten-flexiblen-ratenkredite-im-ueberblick\u002F100199003.html",{"id":2669,"type":1352,"tags":2857,"lang":13,"slug":2671,"first_publication_date":2672,"last_publication_date":2673,"uid":2671,"link_type":43,"key":2858,"isBroken":45},[],"d6d0b785-7bb6-457a-bcf0-40bedc6e37fd",{"dimensions":2860,"alt":2861,"copyright":2862,"url":2863,"id":2864,"edit":2865},{"width":2561,"height":2032},"Frau mit bunten Einkaufstüten","Roman Samborskyi, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaZMfaFWLo0XkEir3_Frau-mit-Einkaufstaschen-bunt.jpg?auto=format,compress","aZMfaFWLo0XkEir3",{"x":24,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":2867,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2868,"isBroken":45},[],"f3fcfb6e-2c4d-4f5e-a809-2e683c1ee918",[2870],{"variation":1381,"version":1382,"items":2871,"primary":2872,"id":2997,"slice_type":1476,"slice_label":5},[],{"text":2873,"chart_alt":5},[2874,2877,2879,2882,2885,2888,2891,2894,2897,2899,2901,2909,2912,2915,2918,2921,2923,2926,2928,2930,2933,2935,2939,2943,2947,2951,2953,2956,2959,2962,2965,2968,2971,2974,2977,2979,2982,2985,2988,2995],{"type":1393,"text":2875,"spans":2876,"direction":1034},"Ratenkauf per Klick – oft teurer als gedacht",[],{"type":1031,"text":1422,"spans":2878,"direction":1034},[],{"type":1031,"text":2880,"spans":2881,"direction":1034},"Ob Dispokredit, „Buy now, pay later“ oder Ratenzahlung über Zahlungsdienstleister: Finanzierungen sind heute schnell abgeschlossen. Viele Verbraucher nutzen diese Angebote direkt beim Online-Kauf oder im stationären Handel.",[],{"type":1031,"text":2883,"spans":2884,"direction":1034},"Was bequem klingt, hat jedoch seinen Preis. Dispozinsen liegen häufig bei über zehn Prozent pro Jahr. Auch Ratenzahlungen über Zahlungsdienstleister oder Händlerfinanzierungen können hohe effektive Jahreszinsen verursachen – insbesondere, wenn Laufzeiten verlängert oder Zahlungen verspätet geleistet werden.",[],{"type":1031,"text":2886,"spans":2887,"direction":1034},"Ein klassischer Ratenkredit ist in den meisten Fällen deutlich günstiger und kalkulierbar.",[],{"type":2703,"text":2889,"spans":2890,"direction":1034},"Wann sich ein Ratenkredit lohnt",[],{"type":1031,"text":2892,"spans":2893,"direction":1034},"Größere Anschaffungen wie Möbel, Elektronik oder Renovierungen lassen sich häufig günstiger über einen Ratenkredit finanzieren als über kurzfristige Teilzahlungsmodelle.",[],{"type":1031,"text":2895,"spans":2896,"direction":1034},"Auch bei mehreren kleinen Ratenkäufen kann eine Umschuldung sinnvoll sein. Statt verschiedene Einzelverträge mit unterschiedlichen Zinssätzen zu bedienen, bündeln Kreditnehmer ihre Verbindlichkeiten in einem übersichtlichen Kredit, oft zu besseren Konditionen.",[],{"type":1031,"text":1422,"spans":2898,"direction":1034},[],{"type":2703,"text":2704,"spans":2900,"direction":1034},[],{"type":1031,"text":2902,"spans":2903,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche flexible Ratenkredite mit bonitätsabhängigen Zinsen analysiert.",[2904],{"start":2905,"end":2906,"type":1367,"data":2907},111,121,{"link_type":49,"url":2908,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-flexiblen-ratenkredite-wirtschaftswoche",{"type":1031,"text":2910,"spans":2911,"direction":1034},"Bewertet wurden:",[],{"type":1428,"text":2913,"spans":2914,"direction":1034},"Effektivzins bei bester Bonität (36–60 Monate Laufzeit)",[],{"type":1428,"text":2916,"spans":2917,"direction":1034},"Zwei-Drittel-Zins (Zins den die Mehrheit der Kunden erhält)",[],{"type":1428,"text":2919,"spans":2920,"direction":1034},"Möglichkeit zur Ratenaussetzung",[],{"type":1428,"text":2734,"spans":2922,"direction":1034},[],{"type":1031,"text":2924,"spans":2925,"direction":1034},"Im Mittelpunkt stand die Frage, welche Anbieter günstige Zinsen mit echter Flexibilität kombinieren.",[],{"type":1031,"text":1422,"spans":2927,"direction":1034},[],{"type":1393,"text":2842,"spans":2929,"direction":1034},[],{"type":1031,"text":2931,"spans":2932,"direction":1034},"Vier Anbieter erhielten die Bestnote „sehr gut“:",[],{"type":1031,"text":1422,"spans":2934,"direction":1034},[],{"type":1428,"text":2936,"spans":2937,"direction":1034},"BBBank eG",[2938],{"start":24,"end":1802,"type":1371},{"type":1428,"text":2940,"spans":2941,"direction":1034},"Deutsche Skatbank",[2942],{"start":24,"end":1939,"type":1371},{"type":1428,"text":2944,"spans":2945,"direction":1034},"norisbank",[2946],{"start":24,"end":1802,"type":1371},{"type":1428,"text":2948,"spans":2949,"direction":1034},"Targobank",[2950],{"start":24,"end":1802,"type":1371},{"type":1031,"text":1422,"spans":2952,"direction":1034},[],{"type":1031,"text":2954,"spans":2955,"direction":1034},"Alle vier ermöglichen kostenfreie Sondertilgungen. Unterschiede zeigen sich bei Zinshöhe und Flexibilität bei Ratenpausen.",[],{"type":2703,"text":2957,"spans":2958,"direction":1034},"Flexibilität als entscheidendes Kriterium",[],{"type":1031,"text":2960,"spans":2961,"direction":1034},"Moderne Ratenkredite bieten heute deutlich mehr Spielraum als früher. Dazu zählen:",[],{"type":1031,"text":2963,"spans":2964,"direction":1034},"•\tkostenfreie Sondertilgungen",[],{"type":1031,"text":2966,"spans":2967,"direction":1034},"•\tflexible Ratenaussetzungen",[],{"type":1031,"text":2969,"spans":2970,"direction":1034},"•\ttransparente Gebührenmodelle",[],{"type":1031,"text":2972,"spans":2973,"direction":1034},"Wer flexibel finanzieren möchte, sollte besonders auf den Zwei-Drittel-Zins achten, dieser gibt realistisch an, was die Mehrheit der Kunden tatsächlich zahlt.",[],{"type":1031,"text":2975,"spans":2976,"direction":1034},"Eine längere Laufzeit reduziert die monatliche Rate. Zusätzliche Sondertilgungen helfen, die Gesamtkosten wieder zu senken.",[],{"type":1031,"text":1422,"spans":2978,"direction":1034},[],{"type":1393,"text":2980,"spans":2981,"direction":1034},"Fazit: Bequeme Ratenzahlung ist nicht immer günstig",[],{"type":1031,"text":2983,"spans":2984,"direction":1034},"Ratenzahlungen per Klick wirken unkompliziert – sind aber häufig teurer als klassische Ratenkredite. Besonders bei größeren Beträgen oder mehreren Finanzierungen lohnt sich ein Vergleich.",[],{"type":1031,"text":2986,"spans":2987,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt: Wer Zinsen, Flexibilität und Zusatzoptionen berücksichtigt, kann deutlich sparen.",[],{"type":1031,"text":2989,"spans":2990,"direction":1034},"Der FMH Ratenkredit-Vergleich bietet einen transparenten Überblick über die besten Angebote.",[2991],{"start":1904,"end":2992,"type":1367,"data":2993},29,{"link_type":49,"url":2994,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fkredit",{"type":1031,"text":1422,"spans":2996,"direction":1034},[],"text_block$cdb29def-c870-464b-8319-eb8e844a8366","Flexible Ratenkredite 2026: Zinsen vergleichen | FMH.de","Ratenkauf oder Kredit? FMH & WirtschaftsWoche zeigen 2026 die besten flexiblen Ratenkredite mit günstigen Zinsen & Sondertilgung. Jetzt vergleichen.",{"dimensions":3001,"alt":2861,"copyright":2862,"url":3002,"id":2864,"edit":3003},{"width":2097,"height":2098},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaZMfaFWLo0XkEir3_Frau-mit-Einkaufstaschen-bunt.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1470,"zoom":25,"background":26}]