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CommerzCrediet

Loans

Debt consolidation

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

Calculate & enquire How it works

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 %
Couple managing and optimizing their household budget at a computer

Overview

Consolidation can make sense if you are paying several instalment loans at once or using an expensive overdraft permanently. The goal is more clarity and – where possible – lower total costs.

We check honestly whether consolidation pays off: we compare the remaining cost of your current loans, including any early repayment compensation, with the total cost of the new loan. If it doesn't pay off, we tell you.

Key facts

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

Eligibility

  • At least 18 and resident in Germany
  • Regular income
  • Current redemption statements for existing loans
  • Positive credit check by the bank

Typical documents

  • ID
  • Proof of income
  • Contracts and current redemption amounts of existing loans
  • Bank statements
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.

How it works

  1. 1

    List your debts

    List your current loans with outstanding balance, instalment and interest rate.

  2. 2

    Send enquiry

    Enter the total to be repaid. Free and non-binding.

  3. 3

    Compare honestly

    We check: does consolidation really pay off once all costs are included?

  4. 4

    Repay

    After signing, the bank usually repays your previous loans directly.

FAQ

When does consolidation pay off?

Mainly when the new loan is cheaper overall or bundling clearly stabilises your budget. A longer term lowers the instalment but can increase the total cost.

Are there fees for repaying existing loans?

Existing lenders may charge legally capped early repayment compensation. We include this in the comparison.

Can I repay my overdraft?

Yes. Permanently used overdrafts are often expensive. Replacing one with an instalment loan can reduce interest costs significantly.

I'm already behind on payments – what now?

Then new financing is often not the right path. Please contact a recognised, free debt advice service.

Calculate & enquire

Adjust amount and term and send your enquiry right away. The financing type is already selected.

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 %

Your loan enquiry

Your loan

Financing type: Debt consolidation

€2,500€1,000,000

Term

For example: used car, new kitchen, heat pump

Your situation
Your contact details

For questions about your enquiry

Finish

We never ask for bank details, PINs, TANs or ID copies via a form.

Please note: a loan is a commitment for years. Only borrow what you could repay safely even if your circumstances change. Over-indebtedness can harm your creditworthiness for a long time. Already struggling with payments? Free help is available from recognised debt advice services, e.g. consumer advice centres, Caritas or Diakonie.

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