Skip to content

We are a credit broker, not a bank. No upfront fees.

CommerzCrediet

Loans

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.

Calculate & enquire How it works

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 %
Smiling family with their dog – personal financing solutions

Overview

With a personal loan (instalment or consumer loan) you can finance new furniture, electronics, further education or a special occasion. The nominal rate is usually fixed for the whole term – so you know your monthly payment from the start.

We compare offers from our partner banks and show you transparently which instalment, APR and total amount payable apply to your plans.

Key facts

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

Eligibility

  • At least 18 years old
  • Resident in Germany
  • Regular income, e.g. from employment, self-employment or pension
  • Current account with a bank in Germany
  • Positive credit check by the bank (e.g. SCHUFA)

Typical documents

  • Valid ID card or passport
  • Payslips for the last two to three months
  • Recent bank statements
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.

How it works

  1. 1

    Calculate

    Choose amount and term and check which instalment fits your budget.

  2. 2

    Send enquiry

    Fill in the enquiry form. It only takes a few minutes and is non-binding.

  3. 3

    Compare offers

    We get in touch personally and present suitable offers with all costs.

  4. 4

    Sign

    Decide in your own time. After signing and identification the bank pays out.

FAQ

How high should my instalment be?

As a rule of thumb, enough buffer should remain after all fixed costs. We recommend going through your household budget honestly first – we're happy to help.

Can I repay early?

Yes. With consumer loans you have a statutory right to early repayment. The bank may charge limited early repayment compensation as stated in your contract.

Is the interest rate fixed?

For personal loans the nominal rate is usually fixed for the whole term. The exact terms are set out in your personal offer.

Will my credit be checked?

Yes. The lending bank checks your creditworthiness, usually including a SCHUFA enquiry. This is required by law and also protects you from over-indebtedness.

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
€1,000 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: Personal loan

€1,000€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.

Other financing