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?
financing
'Finanzierung' and 'auf Pump' can both mean that you do not pay for something in full right away. 'Finanzierung' is a neutral and general term for obtaining money, often for larger purchases or projects. 'Auf Pump' is colloquial and means that you buy something with borrowed money or on credit. It can sound slightly critical, as if someone is buying something even though the money is not available at the moment. Learners should note: you normally do not simply say 'der Pump' on its own, but use the phrase 'auf Pump' (on credit).
Sie kauft das teure Fahrrad nicht auf Pump, weil sie keine Schulden machen will.
She is not buying the expensive bicycle on credit because she does not want to go into debt.
Für die Finanzierung der Küche hat er einen Kredit bei der Bank aufgenommen.
He took out a bank loan to finance the kitchen.