Good morning together, I’m just hitting around with a question and I can’t find an answer to it anywhere. So I hope for your expertise and put it here for discussion, maybe someone has a similar situation and can bring light into the dark with his experience. I want to buy a used car. It costs 14,000€ and is relatively cheap, so I feel a pressure to buy it quickly under roof and compartment. I have the money at short notice. In other words, I would like to receive part of my liquid funds with a favourable interest rate on the car. The classic way is to choose a car, to regulate financing, to receive money from the bank, but not to use all the money for it, but to leave 500€ as a buffer and to finance it with a car loan. In other words, I would like to receive some of my liquid funds with a favourable interest rate on the car. I would like to pay car, take it with me, and connect car financing for 500€ and pay me out on the account. On the one hand, I have so much more peace of mind to compare financing offers and to carry the documents together, on the other hand, I would have the certainty that I will get the car and could use it right away. Has anyone already completed a car loan afterwards? l outstretched, and then refinance with a car loan? I wonder if the bank would finance a paid car at all or if these loans can only be concluded before the conclusion of a purchase contract. I hope for helpful answers and thank you now quite warmly, also for the many advices on other topics that have often helped me in the past as a passive user.