Hello everyone, because of an accident one of our vehicles is unfortunately a total damage. For this we would need a reasonably quick replacement. Therefore the friendly Audi dealer calculated us an offer for an A6 demonstration car. Since the Audi leasing for “used vehicles” was not so sparkling, he created an offer about the so-called VarioCredit.https://www.audibank.de/…/auf_eine_blick.html The offer that was created for us is very “leasing-like”. In my opinion, it is too high a final rate. In other words, I personally would not assume that the estimated price can be realised on the market in three years’ time. Now Variocredit offers the right to return the vehicle with a certificate. Thus, the dealer is obliged to take the vehicle back after the fixed term and replace the final rate at the bank. Accordingly, the final rate – in contrast to a normal three-way financing – can depend on me. The only problem that I see right now is that the dealer goes bankrupt and I only have a certificated right of return to him. Has anyone had any experience with the vehicle return within the scope of the Vario Credit? Is this just as straightforward as when leasing? Or do you see other pitfalls?