Autokredite
Die beliebteste und überschaubarste Art für den Kreditnehmer der Autofinanzierung ist der Normale Ratenkredit. Hier muss der Kunde beim Kauf des Fahrzeuges eine vorher festgelegte Anzahlung leisten. Die Laufzeit und die Raten werden so berechnet, dass das Fahrzeug am Ende der Finanzierungszeit ohne weitere Zahlungen in den Besitz des Käufers übergeht. Möchte der Kunde nach Beendigung des Kredits wieder ein neues Fahrzeug erwerben, besteht die Möglichkeit den Altwagen als Anzahlung in Zahlung zu geben oder das Auto privat zu verkaufen. Mit dem erworbenen Geld kann er den neuen Wagen bezahlen. Auch in schwierigen Fällen, wie beispielsweise negativen Schufa Auskünften, muss die Finanzierung nicht scheitern. Der Kunde wirft erst einmal einen Blick auf die Angebote, die Kfz-Hersteller oder Händler für ihre Kunden stellen. Einige Hersteller besitzen eine eigene Finanzierungsbank, die sich ausschließlich mit der Autofinanzierung befasst. Häufig kommt es vor, dass sie Zinsen, die der Kunde zahlen muss, so weit gesenkt werden, dass jeder Kunde denken muss, günstiger sei das Fahrzeug nicht zu finanzieren. Es sollte aber darauf geachtet werden, dass der Kunde oft Nachlässe und Rabatte verlieren wird.
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