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How to Create a Car Pawn Deal (KFZ-Pfandleihe)

Purpose

This operational guide details the specific workflow, statutory checks, category constraints, and valuation procedures required when creating a car pawn loan (KFZ-Pfandleihvertrag) in Cashy-Hub.

Regulatory & Category Rules

[!CAUTION] Strict Vehicle Category Exclusivity: Under Cashy-Hub business architecture, vehicle categories (auto, pkw, car, motorrad, auto_stored, motorradstored) cannot be mixed with non-vehicle items on a single deal contract. - If a deal involves a vehicle, all items on that deal must belong to the automotive category group. - General merchandise (phones, jewelry, tools) must be booked under a separate standard pawn deal.

Statutory Minimum Loan Durations

  • Austria (AT Branches): Minimum duration is 30 days.
  • Germany (DE Branches): Minimum duration is 90 days.

Step-by-Step Vehicle Deal Creation Procedure

Step 1: Open Wizard & Set Customer

  1. Click Create a Deal in the top navigation bar.
  2. Under Section 1 (Customer), select Registered or Guest and verify the borrower's identity using their government ID and the vehicle registration certificate (Zulassungsbescheinigung Teil I & II).
  3. The borrower's full name must strictly match the vehicle registered owner.

Step 2: Branch & Duration Setup

  1. Under Section 2 (Deal Metadata):
  2. Select the Company *** and Branch / Shop **** location equipped with secure vehicle storage facilities.
  3. Set the Pawn Duration (days) (must meet the 30-day or 90-day statutory threshold).
  4. Review the calculated Due Date (Task).

Step 3: Vehicle Appraisal & Dynamic Questionnaire

  1. Under Section 3 (Items), click + Add Item.
  2. In the category tree selector, select Automotive > Passenger Car (or Motorcycle).
  3. Item Title : Enter the vehicle model and trim (e.g. "BMW 320d xDrive Touring M Sport"*).
  4. VIVI Automated Vehicle Identification: Cashy-Hub integrates with the VIVI automotive appraisal engine:
  5. VIN / Chassis Number (Fahrgestellnummer) *: Enter the 17-character ISO vehicle identification number. The system queries technical specifications directly from vehicle registries.
  6. Vehicle Properties: Verify retrieved specifications (Make, Model, First Registration Date, Body Type, Fuel Type, Transmission, Engine Power).
  7. Mileage / Odometer (Kilometerstand) *: Enter the current odometer reading in kilometers.
  8. Technical Condition & Damages *: Record scratches, dents, previous accident history, and tire tread depth.
  9. Documentation Handover: Confirm physical receipt of 2 original vehicle keys, Registration Certificate Part I (Fahrzeugschein), and Part II (Fahrzeugbrief).
  10. Market Value & Payout Calculation:
  11. **Market Value *** (€): Enter the wholesale fair market value based on current valuation data.
  12. **Payout *** (€): Enter the loan principal requested.

[!CAUTION] Minimum Credit Requirement (€100.01): Like all collateral loans in Cashy-Hub, vehicle deals require a minimum payout of €100.01. Entering a lower amount displays a validation block: "Payout amount is less than €100.00, credit not allowed."

Step 4: Transport, Payout & Deal Registration

  1. Under Section 4 (Transport & Payout):
  2. Transport Method *: Select Shop (counter handover) or Shipment.
  3. Preferred Payout Method *: Select Bank Transfer (enter verified owner's IBAN), Cash, or Paypal.
  4. In the Deal Wizard top action bar (next to the stepper), ensure DEAL TYPE is set to Pawn.
  5. Review the Deal Summary Sidebar for estimated storage fees, manipulation fees, interest rates, and total repayment amount.
  6. Click Create PAWN Deal.
  7. The system validates the vehicle appraisal data and registers the vehicle agreement. The Deal Wizard automatically transitions into Management Mode with the deal booking number assigned, unlocking subsequent inspection and compound parking slot assignment in Step 6 (Storage).