Loans

Six financing solutions at a glance

Each with eligibility, process, worked example and its own enquiry form. Not sure what fits? We're happy to advise.

Smiling family with their dog – personal financing solutions

Personal loan

A personal loan is the classic way to finance larger purchases: you borrow a fixed amount and repay it in equal monthly instalments.

Constant monthly instalment
Nominal rate fixed for the term
Terms from 12 to 360 months
Extra repayments depending on the bank

Key terms at a glance

Loan amount: €1,000 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 3.99 % to 14.99 %

Example: €15,000 · 60 months · APR (annual percentage rate) 7.49 % → €298.75 per month

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Satisfied customer holding car keys in an auto repair workshop

Car loan

A car loan lets you finance your vehicle independently of the dealer – and as a cash buyer you can often negotiate a better price.

For new and used cars, including EVs
Independent of the dealer
Term matched to vehicle use
Fixed monthly instalment

Key terms at a glance

Loan amount: €2,500 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 3.49 % to 12.99 %

Example: €25,000 · 60 months · APR (annual percentage rate) 6.99 % → €492.39 per month

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Happy couple signing a real estate contract with an advisor

Mortgage

Buying your own home is one of the biggest financial decisions you'll make. We explain the options clearly and support you all the way to the notary.

Purchase, new build and refinancing
Fixed-rate periods from 5 to 20 years and more
Special repayments and repayment changes depending on the bank
Check of possible subsidy programmes

Key terms at a glance

Loan amount: €25,000 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 3.29 % to 5.49 %

Example: €300,000 · 240 months · APR (annual percentage rate) 3.89 % → €1,789.98 per month

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Couple managing and optimizing their household budget at a computer

Debt consolidation

Debt consolidation replaces existing loans, your overdraft or credit card debt with a new loan – and a single, predictable instalment.

One instalment instead of many
Repay instalment, overdraft and card debt
Honest total cost comparison
Direct repayment to previous lenders possible

Key terms at a glance

Loan amount: €2,500 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 3.99 % to 14.99 %

Example: €30,000 · 84 months · APR (annual percentage rate) 7.49 % → €456.38 per month

View details Apply now

Business financing

New machinery, more working capital or a growth step: we look for financing that suits the rhythm of your business.

Investment and working capital financing
For the self-employed, freelancers and SMEs
Check of development loans
Term matched to the investment's useful life

Key terms at a glance

Loan amount: €5,000 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 4.99 % to 15.99 %

Example: €50,000 · 60 months · APR (annual percentage rate) 8.49 % → €1,018.05 per month

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Model house and calculator for planning renovation and home improvement costs

Renovation loan

New kitchen, accessible bathroom or heat pump: a renovation loan turns your plans into reality and often increases your property's value.

For renovation and energy upgrades
No land charge up to certain amounts
Combination with subsidies can be checked
Fixed monthly instalment

Key terms at a glance

Loan amount: €2,500 to €1,000,000
Term: 12 to 360 months
APR (depending on credit standing): 3.49 % to 12.99 %

Example: €35,000 · 84 months · APR (annual percentage rate) 6.99 % → €524.41 per month

View details Apply now

Not sure which loan fits?

Briefly describe your plans. We'll advise you honestly – even if a loan isn't the best solution right now.

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