credit
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on credit
A colloquial expression meaning to buy or finance something on credit or with borrowed money. So you do not pay immediately, but in installments or at a later point in time.
Er hat sich sein neues Auto auf Pump gekauft und muss es jetzt abbezahlen.
He bought his new car on credit and now has to pay it off.
'Pump' comes from the colloquial use of the verb 'pumpen' (to lend/borrow money), which, besides its main meaning, can also mean 'to borrow money'. The expression 'auf Pump' (on credit) takes up this meaning.
Kannst du mir 20 Euro pumpen? Ich gebe sie dir morgen zurück.
Can you lend me 20 euros? I'll give it back to you tomorrow.
The noun 'Pump' is used almost exclusively in the fixed expression 'auf Pump' (on credit). It describes buying or doing something without paying for it immediately.
Viele Leute leben heute auf Pump und machen Schulden.
Many people today live on credit and go into debt.
The idiom 'auf Pump' (on credit) clearly belongs to colloquial language. It is used in everyday conversations, but not in formal situations such as a conversation at a bank.
Sollen wir den neuen Fernseher wirklich auf Pump kaufen?
Should we really buy the new TV on credit?
loan / credit
Kredit and auf Pump can both mean that borrowed money will be repaid later. Kredit is the neutral, factual term, especially when speaking with a bank. Auf Pump is colloquial and can also sound critical or disparaging.
Er kauft das neue Auto auf Pump, obwohl er schon viele Schulden hat.
He is buying the new car on credit even though he already has a lot of debt.
Für das neue Auto nimmt sie einen Kredit bei ihrer Bank auf.
She is taking out a loan from her bank for the new car.
