Leasing without schufa – this is how it works!

adminonMay 2, 2022February 11, 2022Leave a Comment

Driving a brand new car at regular intervals, paying monthly installments comfortably and not having to make a big investment – this is just a small part of the many advantages of car leasing.

Without schufa the dream of leasing is a long way off.

Even if you have a solid, regular income and a permanent employment contract, the SCHUFA rating plays a significant role in deciding whether you are eligible for a leasing contract.

Why credit reports play such an important role in the conclusion of contracts and how you can get car leasing without SCHUFA or SCHUFA-free credit. Despite SCHUFA entry come, you will learn in today’s article.

Your SCHUFA self-disclosure according to. DSGVO

What is SCHUFA and why is it so important??

Every german citizen has to deal with his credit report at least once in his life.

Whether you’re moving house, signing a mobile phone contract or leasing a car, you can’t do anything without a SCHUFA report.

The schutzgemeinschaft fur allgemeine kreditsicherung, commonly called SCHUFA, is a German company that helps companies, banks and landlords to check the creditworthiness of potential contract partners.

In short: SCHUFA collects information on whether and how conscientiously individual citizens have fulfilled their payment obligations in the past and passes this information on to interested contract providers.

A bank that grants a loan or a company that offers car leasing naturally wants to know whether the installments can be paid on time by the customer.

If you have always paid your bills and installments on time in the past, you will have an excellent SCHUFA score.

However, if you have already attracted negative attention and, for example, have already been involved in debt collection proceedings, your credit rating from SCHUFA will be poor.

The result: it becomes almost impossible to conclude a deal where you have to pay on account or make regular installments.

This also includes leasing contracts.

That’s why people often have to resort to car leasing without SCHUFA exclusion criteria.

Can I take out a car lease without SCHUFA??

First the good news: yes, in principle it is possible to get a car lease without SCHUFA or SCHUFA-exclusion. Despite SCHUFA entries to conclude.

However, you should note a few points.

For example, the choice of reputable leasing partners shrinks considerably, while the risk of falling for dubious providers increases significantly.

Recognize dubious offers

There are some scam companies that take advantage of the emergency situation of people with bad SCHUFA who are dependent on a car and drive them to the edge of private insolvency with horrendous rates or hidden payment obligations in the small print.

Therefore, it is important that you check carefully in advance whether it is a trustworthy provider of leasing without SCHUFA.

Therefore, it is essential that you take a close look at the imprint of the provider and see who and which company is behind the offer.

A brief internet search should tell you whether the company is a "rip-off" or an honest one.

In addition, you should read the contract conditions completely, several times and down to the smallest detail, so that you do not overlook anything in the small print.

If you do not understand one or more passages of the contract, it is best to call the provider directly.

If there is an easily accessible and serious-looking customer service, this already indicates a trustworthy company.

However, if you do not reach out to anyone, discover hidden payments or other untypical clauses that put a financial burden on you, it is best to immediately refrain from this offer.

Find reputable providers

Fortunately, there are also some agencies to which you can send your leasing request online and discreetly.

When deciding whether and for which leasing without SCHUFA you are eligible, they mainly consider factors such as income, assets and a secure employment relationship.

Not all, but many companies even offer a free choice of dealer. Whether BMW, mercedes or audi – you are free to choose the make and model of your car.

reputable providers have an accessible and professional customer service, where the employees take time to answer all your questions.

In addition, the contract is clearly and transparently designed, so that you can directly overview all costs and obligations.

How much does car leasing without SCHUFA cost? ?

First of all, leasing without SCHUFA is always more expensive than conventional car leasing.

Since the provider must calculate with a higher risk of default, the monthly leasing rates are correspondingly higher.

If this has to be paid, the one-time down payment at the beginning of the contractual partnership will also be significantly higher than for a normal leasing contract.

However, car leasing without SCHUFA does not only have disadvantages.

Since the providers of credit-free leasing contracts do not cooperate with SCHUFA, the information about the conclusion of the contract is not reported to SCHUFA.

So your credit rating will not be affected by it.

Car leasing without SCHUFA – 5 steps

If your "normal" leasing request has been rejected, please do not blindly sign a credit-free contract directly.

a lease is a serious, long-term financial commitment, which is why you should take your time to consider how and where to look for other offers.

So keep a cool head and go through these 5 steps at your leisure:

1. Request self-disclosure

SCHUFA also makes mistakes – and a lot of them.

According to various studies, around one third of all SCHUFA entries are incorrect or outdated.

So before you get frustrated and sign up for a more expensive lease without SCHUFA, be sure to order your personal SCHUFA report first and check whether you have any false entries.

If this is the case, you can delete these entries immediately, so that nothing stands in the way of a cheaper leasing with a conventional provider.

For detailed information on the SCHUFA deletion deadline and who to contact, please refer to our article "Delete SCHUFA entry – in just 3 steps".

In general, we recommend that you check your SCHUFA at regular intervals so that you do not run into difficulties when applying for credit, looking for an apartment, signing a mobile phone contract or financing a house or car.

2. Request alternative contract terms

Leasing applications are often rejected in order to protect the applicant.

Sounds strange, but is actually quite plausible.

The monthly payments that have to be made on a car lease always represent a continuous financial burden for the lessee.

Before inquiring about leasing without SCHUFA, you should ask some "normal" leasing companies whether a contract could be made despite your low score – and do so by setting the down payment higher.

A simple example:

For example, if you want to lease a car for three years, with a one-time down payment of 1.000€ and the rate is 200€/month, you get a total contract value of 8.200€ (3×12 months = 36 months, 36 months x 200€ = 7.200€, 7.200€ + 1.000€ = 8.200€).

If you have a bad SCHUFA, you will be relatively sure to be rejected on these terms, as 200€/month is a high rate.

However, they could ask if they could pay, for example, 3.you can make a down payment of € 000 to reduce your monthly payment to around € 140. (8.200€ – 3.000€ = 5.200€, 5.200€ / 36 months = 144€ / month).

So your monthly burden is not so high and you get the leasing despite SCHUFA perhaps yet approved.

3. Compare providers

If your SCHUFA-score is justifiably too bad for normal leasing providers, the only option is car leasing despite SCHUFA entries.

In any case, invest time in the search for suitable, reputable providers and check whether they are trustworthy offers by doing a little research on the company.

There are also significant price and performance differences between the various providers.

So compile a small list of potential providers and note in bullet points where you get what service for what money.

Then ask for a non-binding, individual offer from the three providers that seem most attractive to you.

small tip: even if you don’t have any questions: call the customer support to see if there are competent contacts there!

After all, it’s a lot of money and the company will be your contractual partner for a long time.

a professional customer service that is easy to reach is an absolute must!

4. Calculate your ability to pay (realistically)

before you decide on a provider, be honest with yourself and calculate exactly what down payment and what rate you can afford.

Do not calculate too tightly!

It is best to have something on the side to meet your payment obligations even in financially difficult situations, for example, if you lose your job.

If things don’t look quite so rosy, you should factor that into your car choice.

This means that if you are not in such a good financial position, you should perhaps consider a skoda instead of a mercedes C-class.

Remember: if you get into financial difficulties, your leasing provider is not interested in why you are currently in a tight spot and cannot pay your installments.

The company will try with all means to collect your installments and if necessary also resort to collection procedures and bailiffs.

Therefore it is better to calculate generously in advance!

5. Check contract

If you have chosen a provider for your leasing without SCHUFA, have the contract sent to you.

Very important: if you are at the company in person, do not allow yourself to be pressured into signing the contract on the spot!

This is highly unprofessional on the part of the leasing company and deprives you of the chance to read through everything at leisure.

As mentioned above, it is absolutely necessary that you read the contract carefully before you sign it.

So take your copy of the contract home with you and inspect it without any stress.

If there is any uncertainty, ask the provider or contact a legal adviser.

Conclusion

as you can see, it is possible to get a leasing without SCHUFA.

However, check your personal SCHUFA information regularly in any case, in order to be able to delete any errors directly, so that you are not dependent on a credit-free leasing in the first place.

Be vigilant, calculate realistically and question the terms of the contract.

If everything is in order with the contract, nothing more stands in the way of your leasing despite SCHUFA.

Then it is also from us: have a good trip!

For your credit rating – for your freedom.

Car rental in tenerife can be very affordable. The prices for a borrowed car are well below the central european standard. A small car including mileage and fully comprehensive insurance can be booked for a week from around 120 euros, depending on the time of year and the lead time. Here you will find all tips and tricks.

In addition to the low taxes on the Canary Islands, a price war between local and european providers also ensures favorable conditions for renting a car. But tourists should look very carefully when renting a car. Below you will find our tips.

cheap car hire tenerife

due to the parking situation in the metropolitan areas of the canary islands, small cars are especially popular. For exploring the island or shopping they are usually quite sufficient. If you are traveling with your family or want to transport sports equipment, for example, you will of course find larger models as well. Most of the time, price increases are moderate. It usually only gets really expensive with special requests such as a convertible or an automatic transmission.

car rental tips for tenerife

While a small car including services for around 120 euros is already a very good offer, there are also providers who advertise with competitive prices. This is not bad per se. It can happen, however, that tourists are intimidated by some "black sheep" at the counter with a lengthy sales show for additional services. These should be checked very carefully, because they are not always useful.

car rental insurance

We recommend to pay attention to a fully comprehensive insurance. Whether with or without deductible is more a tactical question. big advantage of this insurance – especially without deductible – is that parking damage can be handled by the insurance company. And it is not so much about your own driving skills. Scrapes and dents are unfortunately part of everyday life, especially in the metropolises of Tenerife. And the hit-and-run rate is high.

Many car rental companies offer additional insurance. These take care of much of what is not covered by comprehensive and liability insurance. Most of the time it is a question of damage to the underbody and tires and loss of keys. Here, too, you should ask yourself how likely such a case is and decide for yourself depending on the amount of the additional rental.

We recommend to deal with the question beforehand and to set a limit for additional services. Otherwise, you could be quickly persuaded by well-trained salesmen to make deals that you will be angry about afterwards.

car rental tenerife: pick up and return

Some car rental companies on tenerife pay close attention to scratches and dents. Especially some of the local rental companies do not check the car at all when returning it. This is why it happens again and again that holidaymakers are assigned cars that show dents and scratches. Beyond the aesthetics, this is of course not bad.

No matter what type of rental company you find: as a precaution, you should document all damage to the interior and bodywork with a camera before departure. Should there be any questions when you return the car, you have the proof of your innocence right there with you.

What to do in the event of an accident?

claims are very clearly regulated by the companies. Normally you will be given a form to fill out in the event of an accident. Moreover, there is usually a hotline to be consulted. Whether you are at fault or not, hit and run or clear case: always call the police!

Gasoline regulation for rental cars

There is also great potential for hidden additional costs in the area of fuel regulation. Some rental companies follow the widespread approach that a car is picked up with a full tank of gas and returned in the same way. Also the model that when you return the car you must have as much gasoline as you found when you picked it up is used more and more often. However, there are also other regulations.

Some car rental companies on tenerife take the approach that the gasoline is also purchased. The tank is handed over full and the car may be returned empty. This is sometimes also in the small print recorded. It can happen that the initially quoted car rental price is extended by a gasoline flat rate. Here, too, you should therefore look carefully before conclusion.

Public transport as a major competitor

by the way, the biggest competitor of rental cars on tenerife is public transport. The well-developed network and the modern buses with the possibility of transporting even large pieces of luggage from the airport to the vacation destination sometimes make the rented car obsolete. In addition, the ticket prices are very affordable, not least thanks to the tenmas ticket (formerly Bonobus).

Nevertheless, it can be extremely useful to book a rental car. If you want to explore the island individually or have an active vacation and go climbing, for example, you should rather choose the car. Also surfers or otherwise active sportsmen should think about a rental car. If, on the other hand, you are planning a quiet beach vacation or have even booked an all-inclusive package, it usually makes sense to book a hotel shuttle and do without a rental car.

book a vacation on tenerife

if you are planning your tenerife vacation, you should also have a look at our hotel tips here.

The mercedes S-class is the new gold standard against which all other cars will have to measure themselves in the future. Why this is so and what the only potential weak point is we explain to you in this test.

After having tested the mercedes S-class for two weeks, two things are clear to me:

1. The mercedes s-class is currently the best car in the world.

2. However, like the Greek hero Achilles, there is a small weak point, which has enormous damage potential not just for the s-class, but for all future mercedes models.

Mercedes S-class after 2 weeks of testing - the best car in the world and its achilles heel

Mercedes S-class- the best car in the world

More by chance than by planning I had the opportunity to participate in the press-drive-event (PFV), for which I am very glad in retrospect; because up to this point I had only been able to see the rather mediocre online-presentation for the introduction of the S-class, from which I was rather disappointed.

The PFV, on the other hand, made me so enthusiastic about the S-class that I really tried hard to get an early test date for a two-week test.

In my opinion, the S-Class is the most technically advanced vehicle that can be ordered at the moment.

If I make a statement like this after just one day of testing, then I must have been very sure of what I was doing.

After I was able to test the S-class for two weeks, I would make the statement again immediately and still have one"!“ rear.

In fact, at this point I recommend you to maybe read my article from back then: mercedes S-class driving impression- the best car in the world?! (mobilegeeks.De)

the points that already excited me at that time, absolutely convinced me in my test.

The biggest difficulty is actually to transport my experience with the S-class in writing. It is a perfectly coordinated vehicle, which one must have experienced to be able to understand it. Those five points that excited me the most about the S-class are the following:

AR head up display
Digital speedometer with 3D display
Ambient lighting
Level 2 (+) driving assistance systems
10° rear axle steering

The first three points are easy to understand and to describe, but to convey the impression they have on the driver is difficult.

I have recorded the points also times in detail in my personal podcast and also as a video to it. If you have a little time, you can look at the whole thing again.

driving experience mercedes S-class

If you look around in the luxury class, you will notice that every manufacturer has one or two technical highlights. However, no one manages to create a car as coherent as mercedes with the S-class, where everything feels right.

It is above all the seamless linking of the various elements that leaves one so amazed. The automatic extension of the retractable door handles when approaching, the welcome animation of the digital light LED headlights with a resolution of 2.6 million pixels, the "awakening" of the headlights, and the "light" of the headlights animation of the active ambient lighting in combination with sound, the almost silent starting of the engine, the camera in the digital speedometer with 3D effect, which automatically recognizes the driver and loads the appropriate profile.

Before you have even engaged a gear, you feel enveloped in an extremely comfortable cocoon.

Parking and maneuvering has been possible for some years now thanks to the 10 rear-axle steering so good that you have to get used to the maneuverability of the large car at first, because the size of the S-Class is actually in direct contradiction to the turning circle, which is otherwise only achieved by small cars. If you use the parking assistant to park or exit, it becomes even more incredible. Because then the S-Class can steer the front and rear axles in the same direction and move sideways like a crab.

Driving off in the S500 is so quiet thanks to the insulation that passengers often ask if we are sitting in an electric car. Even at high speeds, hardly any noise from outside penetrates the interior.

But not only the sense of hearing of the passengers is almost decoupled, but also the feelings of the passengers. Thanks to multi-chamber air suspension, which uses the camera in the windshield to condition itself to the road conditions ahead, you experience a level of ride comfort I’ve only ever known from rolls-royce.

The driving comfort of the S-Class is outstanding in itself. But it is further enhanced by the support of technology.

Driving assistance systems mercedes S-Class

Mercedes will also offer the S-class with the so-called drive pilot in mid/end 2021. The S-Class will also be able to perform certain driving tasks on its own.

Until then, the S-Class currently offers "only" the following the well known level 2 assisted driving on. Now there is level 2 and level 2- systems have been on the market for several years and with various manufacturers; but in all these years I have never seen a system that works as well as the one in the S-Class.

Was in the past the- technically and ethically quite controversially discussed- the "autopilot" as the measure of all things in tesla’s models, i think mercedes has taken the technological lead with the s-class.

the most striking feature is the adaptive speed adjustment, which not only automatically adopts the respective permitted speed -an old hat-, but also adapts the speed to the course of the road in such a way that there is almost no need to take care of the accelerator or brake yourself.

The active steering assistance also works so well that on a long drive you have the feeling that you can let the S-Class do the driving for you and only have to worry about observing the driving maneuvers. At the same time, the sensors in the S-Class ensure that you don’t lose sight of what’s going on in the car. If the system registers that your hands are not on the steering wheel or that your attention is elsewhere, the message comes unobtrusively but quickly. Here the S-class finds a good compromise between what is allowed behind the wheel and what can happen in reality.

High-tech every moment mercedes S-class

Not only does the S-Class feel great to drive, it also looks futuristic at every turn.

The active ambient lighting in the S-Class creates a lounge atmosphere in the interior, if desired, like you’ve never experienced in a car before. Various multicolored animated scenes can also be displayed on request; I have often found myself adjusting them to suit the mood of the car.

If you want to experience the impression, I recommend my one-hour ASMR video, where I change the scene every 5 minutes.

As described at the beginning, my two personal technical highlights are the 3D driver display and the augmented-reality head-up display (AR-HUD). It’s easiest if I first refer to mercedes’ explanations here:

3D driver displaythe impression of spatial depth is created when the eyes of an observer can perceive different perspective views of the presentation of objects on the display. In the novel autostereoscopic display, this is realized by a clever combination of a conventional LCD display with a special pixel structure and a controllable LCD striped mask. A so-called barrier mask is located at a distance of a few millimeters in front of the LCD. It is adapted so precisely to the head position of the observer that his left and right eye can see different pixels of the LCD. This creates the desired spatial depth. a stereo camera system is integrated into the display. This takes over the exact determination of the eye position of the observer. With distance adaptation methods specially developed by mercedes-benz and an extremely low-latency design of the system, the driver enjoys an undisturbed wide range of motion. The display on the driver’s screen is continuously adjusted.

Augmented-reality head-up display (AR-HUD)Two different head-up displays (HUD) are available on request, including an innovative AR variant with a particularly large image. the opening angle of the display is 10° horizontal and 5 vertically, the image lies virtually at a distance of 10 meters. This display area corresponds to a monitor with a diagonal of 77 inches. On the AR-HUD, a lot of augmented reality content for driving assistance systems as well as navigation information is provided. For the driver, they merge with the environment in front of the vehicle and can thus contribute to a further reduction in distraction. The imaging unit (DMD, digital mirror device from texas instruments) consists of a high-resolution matrix of 1.3 mio. individual mirrors and a highly efficient light source. This technology is familiar from beamers in cinemas. In the S-class, it will be used for the first time by mercedes-benz to generate images in the head-up display.

The technologies can be described, but the impression they leave on the driver is indescribable and can only be experienced for oneself.

The new #mercedes S-class really surprised and delighted our @kramkr. If you want to know why he’s so enthusiastic, it’s best to watch the whole video on youtube: https://t.Co/hhbwa97acv pic.Twitter.Com/ernnflzrvp

— mobilegeeks.De (@mobilegeeksde) november 1, 2020

It sounds almost pathetic, but I will never forget the first moment I saw the 3D display and the AR-HUD in action.

It may sound like a technical gimmick to some, but it’s not; because with the AR-head up display it will probably be almost impossible to get lost while navigation is active. The 3D display in the speedometer uses the depth planes for better structuring and thus significantly improves the display it also looks incredibly cool.

Mercedes S-class MBUX 2.0- shining piece or achilles heel?

The 12.8-inch OLED central display shows at first glance that the time of countless buttons and knobs is probably over for mercedes. For the S-class, mercedes also presents the first major update of its own MBUX system.

The basic operation of the MBUX 2.0 largely unchanged.

mercedes has paid particular attention to personalization. Different driver profiles in one car is not a real innovation in itself; but never before has it been so easy to create new profiles and pair them with a vehicle as with the new MBUX. Up to seven profiles can be linked to the vehicle, each of which stores the settings of around 800 different parameters. However, these are not only managed locally on the vehicle, but also in the "mercedes me" stored in the cloud, so that you can take your personal settings with you to other vehicles.

The change of profiles goes several ways. It can be changed by touch, PIN, automatic camera recognition or voice.

I’m excited to see how well the cloud adoption works on other vehicles, because I see great potential here for the future in terms of other mobility concepts.

mercedes has also improved the voice assistant, which in addition to jokes can now answer trivia questions or play a quiz with the passengers.

The basic functions expected from an infotainment system are fulfilled by the MBUX 2.0 outstanding. For example, music can now be streamed via spotify and tune in- besides the already known tidal and amazon music options.

As an option, the mercedes S-class can be equipped with two 11.6” displays and one 7” display in the rear tablet to use.

You can also use your mercedes profile in the rear seat. The operation on the rear displays or the tablet has also worked without problems.

Unfortunately, the number of apps that can be used with the MBUX is rather limited. You can receive digital television, but you can not play youtube videos, let alone netflix. Although one could use firestick, apple TV o.ä. Pair and playback via HDMI but to be honest, I expect something like this natively!

In principle, the MBUX 2.0 Be OTA updateable. I hope mercedes finally manages to take full advantage of the OTA capability and deliver additional value over the course of the product cycle- äsimilar to what tesla does, for example. In the future, it will no longer be enough to build good hardware, but the software must also keep pace.

The software Achilles’ heel is currently the only weak point that I see in the mercedes S-Class.

conclusion mercedes s-class after 2 weeks of testing

The title already anticipated my conclusion: the mercedes S-class is currently the best car in the world.

The quantum leap that mercedes has made here was unexpected for me personally and therefore surprised me all the more.

The mercedes S-class is the new gold standard against which every upcoming car will have to measure itself. The technology transfer from the S-class to other vehicles from the group should also be exciting- especially in view of the all-electric EQS, which will soon be unveiled.