What is Pfando?
As the market leader for short-term liquidity, we offer people in financial difficulties a flexible and fast solution: With a pawn loan, we enable our customers to turn their vehicle into cash – and with continued use! With this unbeatable concept, Pfando's cash & drive GmbH stands out from classic pawnshops, where the asset, i.e. your car or other motor vehicle, remains in the pawnshop. The customer can no longer use it, even if they depend on it. A huge disadvantage.
We are also unrivaled in terms of our corporate structure.
With 5 locations in Austria and numerous trained employees on site, we provide our customers with competent support. Over 40,000 satisfied Pfando customers are proof of the striking advantages that a pawn loan from Pfando offers.
Who is Pfando right for?
Pfando's pawn loan is an excellent loan alternative for private individuals and business people who need a quick injection of cash and own a vehicle. It does not matter whether it is a car, van, classic car, motorhome, truck, tractor, motorcycle or agricultural vehicle. The special thing about Pfando is that after successful inspection of your vehicle and conclusion of the loan agreement, you will receive cash quickly and easily, the vehicle remains in your hands and you remain mobile.
For our special offer, you do not need to provide proof of income, a KSV report or anything similar – in order to receive the maximum payout amount for your vehicle, it is sufficient that you can present documents such as the vehicle registration document and vehicle title, the second key, your driver's license, insurance documents and your identity card or passport at the on-site appointment. For us, only the market value of the vehicle is decisive.
In our Austria-wide branch system, our specially trained staff will be happy to assist you as part of a professional customer consultation. In addition, our experienced employees know how to expertly assess your vehicle and, if you are interested, will provide you with a non-binding and free pawn loan offer with the guaranteed best conditions.
When is Pfando the right choice?
If you, as an entrepreneur, are currently experiencing a liquidity bottleneck due to a customer's payment default, an unexpectedly high tax repayment, or similar circumstances, Pfando's pawn loan can help you out of the acute crisis. If you own vehicles such as company cars, vans, or trucks, you can receive the highest possible car pawn loan for them. The continued driving option allows you to continue using the vehicle afterward. This way, you avoid having to postpone orders due to a lack of mobility. This allows you to meet your obligations and maintain operations at the same time.
Pfando's offer is also particularly attractive for private individuals if you are in an acute and short-term phase of financial hardship. For example, if you have to make unforeseen tax payments, finance a family celebration, quickly have money available for your rental deposit or for a larger purchase, our friendly customer advisors will be there to provide competent support in finding an individual and quick solution with you.
Receive cash within 60 minutes and continue driving your car
- Immediate cash (today)
- TÜV certified
- Highest payout amounts
- The credit alternative –
even with a negative credit bureau entry - 60+ locations in Europe
- Trained customer advisors
- On site and always available for you by phone
- Verified contracts
How long has Pfando been around?
Pfando's cash & drive GmbH has been active in Germany as a financial service provider since November 2010. In the area of short-term liquidity, we have since continuously developed into the market leader through targeted expansion. With our financial services, we have been able to help more than 20,000 customers regain their ability to pay and act. Initially, classic pawnbroking was part of our portfolio in Germany. Meanwhile, we rely exclusively on the sale-and-rent-back principle there, as our customers retain their mobility and remain flexible by continuing to use the vehicle.
In Austria, Pfando has been active since 2025 and offers you car pawn loans at the best conditions with a continued driving option. Our formula for success: Instead of many bureaucratic hurdles, such as querying the KSV score, etc., we only use the vehicle to determine the equivalent value and set the loan amount. This allows us to pay out cash within 60 minutes – provided that all documents are available – and, with the continued driving option, also offer the continued use of the vehicle compared to classic car pawnbroking. And if you already have an offer from a pawn shop or another financial service provider, please bring it with you to your on-site appointment! We guarantee you better conditions and a higher payout amount!
How many employees does Pfando have?
Pfando's cash & drive GmbH currently employs (in Germany) over 60 people. In Austria, the steadily growing Pfando team, with its experience, ideas, and knowledge, is also an essential component of Pfando's success. Our dynamically operating company is growing continuously, so we are confident that we will continue to attract dedicated and competent employees to our team.
The Pfando principle explained in brief
That's Pfando!
Private customers
We at Pfando offer private individuals with an acute need for money an individual and flexible solution. We know that the reasons for a liquidity bottleneck can be varied. For example, have you lost a legal dispute or have other private debts? Is there an accident-related payment default in the case of self-employment or is a tax refund due?
Do you have a payment default in your company and want to secure continued payment of wages?
Business customers
For a company, even a short-term inability to pay can potentially mean the end: Many entrepreneurs, for example, get into payment difficulties due to an unexpectedly high back tax payment – especially when the tax office initially sets advance payments for the current year based on profit. If continued payment of wages is not possible for several months, you may lose employees, and a recovery from the liquidity problem becomes increasingly unlikely. In such cases, we at Pfando help business owners to quickly restore liquidity and secure continued wage payments.
What our customers say
Everything was very relaxed. The advisor was very friendly, competent and courteous. After we had clarified all the formalities, the check arrived within the next 30 minutes. [...]
After the application was processed very quickly, I had the money in my account less than 3 minutes later. And I was rid of my worries. [...] The best thing is that I can continue to drive my car.
I have been a Pfando customer for a long time and have used their services several times at certain intervals. The good thing about Pfando is the fast and uncomplicated processing to get money quickly at short notice.
Other interesting articles