Whether a car subscription without Schufa information is possible, you will find out in this guidebook. For many people, especially in rural areas, the availability of a car is very important to meet everyday obligations.
The initial situation: Financial difficulties and Schufa
If you ever get into financial trouble and want to take out a cell phone contract or set up other financing, for example, you have only limited options with a negative Schufa entry. The Schufa (Abk. for “Schutzgemeinschaft fur allgemeine Kreditsicherung”) is an economic information file that provides information on the creditworthiness of companies and individuals.
Banks and potential contractors can make a request to Schufa to find out if the future customer has had financial difficulties or late payments in the past.
If you want to apply for a loan or sign a long-term contract, you have to expect that your creditworthiness will be checked with Schufa. Such credit ratings can be requested, among others, from:
Leasing or AutoAbo partners
The list is not complete, because almost all service providers have integrated a Schufa clause in the small print of their contracts, with which you agree to a credit check.
Leasing or car Abo without Schufa examination is possible
Schufa entries are long-lasting and do not always reflect the true financial situation and background. Many contractors know that. Also, they are often interested in the business itself and have developed ways to build a reliable business relationship with their customers.
For example, many leasing companies offer contracts without this credit check and collect other information from their customers as collateral such as.B.:
Other monthly income
Family situation, etc.
Since leasing contracts are usually more long-term than car subscriptions, it is easy to understand that the conclusion of a car subscription contract should also be possible without Schufa information.
Which providers make car subscription without Schufa possible?
Of course, not every provider of car subscriptions is willing to sign contracts without credit rating or credit check. Schufa query is part of the basic procedure. But there are some service providers where the car subscription is possible without Schufa query. Some providers ask the Schufa, but allow a contract despite negative entry. Among the providers where you can sign up for a car subscription contract despite or without a Schufa check, and who also advertise it, are u.a.:
IAV (Your Car Rental)
Contract rejection because of Schufa?
If your car subscription order is rejected, you sometimes get a very general reason for the rejection. This is because the customer may not be told directly that his Schufa credit rating is not sufficient for a car subscription.
If your contract is rejected with a general reason, then you can ask the provider directly what the exact reasons for the rejection are. If you ask them specifically, they will tell you in more detail why the booking was rejected.
AutoAbo online bookings are always non-binding
If you book a car subscription online, then at this moment no contract has come into being yet. Rather, it is a contract request.
Only when an employee has checked your documents and your Schufa confirmation is available, a contract confirmation will be sent to you. The providers always have the option to reject the request in case of unsuitable customers or errors in the contract application.
Negative Internet ratings due to Schufa problems
As an operator of Abofahren I already had a lot of contact with the providers. On inquiry I got the information from several offerers that very bad evaluations in the Internet are published also often by customers with Schufa problems.
The offerer has then no possibility this circumstance cleanly to clear up. He may not write on the Internet that the customer was rejected because he has a very bad Schufa credit rating.
Conclusion: Car subscription without Schufa is possible, but ..
It is therefore possible to take out a car subscription without a Schufa check. However, you must keep in mind that not every provider is willing to do this.
you have to find the right provider beforehand and be prepared to disclose some of your intimate financial background during the contract discussion. You should find out what these are in a non-binding, preparatory telephone conversation. As a rule, these providers work discreetly.
Whether the waiver of the providers on the credit check is also reflected in increased rental prices, you should check before contacting a price comparison calculator. So that a car subscription without Schufa is possible for you, you have to do a little research and arm yourself against unpleasant questions.