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Why Is Everything Bought on Credit? The Psychology of German Consumer Debt

FinanceGermany

Oct 2, 2026

FinanceGermany

Why Is Everything Bought on Credit? The Psychology of German Consumer Debt

From 0% financing to Buy Now Pay Later – why Germans are increasingly buying everyday items on installment, and what it means for your financial health.

The 0.68% Loan Lie: Why Germany’s Cheapest Credit Rates Are a Mathematical Fantasy for Most

Those eye-popping 0.68% loan rates plastered across German comparison sites? They’re real, but only for a borrower profile so narrow it might as well be mythical. Here’s what actually determines your rate.

New SCHUFA Scoring: Are Younger Generations Structurally Screwed?

The transparent new SCHUFA algorithm claims fairness, but its love affair with financial history creates a catch-22 for young Germans trying to build credit from scratch.

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