Heidelberg. With a disposition credit (Dispo), financial bottlenecks can be bridged quickly and flexibly. But most Germans avoid it: more than two-thirds (71%) have or do not use a dispatching system. This is the result of a representative survey by the market research institute YouGov on behalf of the independent consumer portal Verivox.

Only ten percent of respondents said they would overdraw their accounts more often a year. Almost one in three Germans (29%), on the other hand, completely refrains from providing their account with an overdraft facility. Although 42 percent have a credit line, they do not use it. Non-use increases with age. While 24 percent of the 18 to 24-year-olds said they did not use the dispensary, over 55 were twice as likely (48 percent).

Consumers apparently use the disposition responsibly

Those who overdraw their account do so, according to the survey, mainly due to financial bottlenecks (44%) – to pay for unplanned repairs or make additional payments. The rescheduling, the vehicle, electronics and furniture purchase play each with less than five percent only a minor role, as well as the financing of the holiday (6%). “It becomes clear that most citizens use the overdraft facility for what it is meant to do, namely to close short-term payment gaps. This demonstrates a conscious and responsible approach to the MRP “, sums up Ingo Weber, Managing Director and Chief Financial Officer at Verivox.

Dispo: Flexible and immediately available – but usually expensive

The majority of MRP users (74%) appreciate the flexibility of the system and the fact that, unlike installment loans, they can call on them immediately (33%). “Bank customers, however, usually buy their own flexibility and availability very expensive. As a rule, more than 10 percent interest is payable on this financial freedom. Those who have predictable expenses should therefore make better use of a favorable installment loan, “advises Weber. Small loans, which are repaid in installments, are currently available for interest rates below three percent.


Verivox consumer price index electricity


Overdrafts in the discussion

The transparency of discretionary loans has been hotly debated for months. Consumer advocates argue that regular overdrawing of the account paves the way for the debt trap. They therefore demand the statutory cap on interest. However, the plans of the Grand Coalition do not foresee that. Instead, the Union and the SPD want to oblige the banks to warn customers with overdrawn accounts and to offer cheap alternatives in case of prolonged and frequent use.

To methodology

The representative survey data were determined online by the market research institute YouGov in the period from 06.05.2014 to 08.05.2014. A total of 1,057 people over the age of 18 were interviewed.


Net loan amount Euro
Loan term 12 months 24 Months 36 months 48 months 60 months 72 months 84 months 96 months 108 months 120 months
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