Banks Germany

English Information about Banking in Germany

 
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    • 1822direkt
    • Comdirect
      • Open a ComDirect Account Online – Detailed Instructions
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      • Open a Commerzbank Account – Instuction with Screenshots
    • Consorsbank
    • DAB-Bank
    • DKB Bank
    • HypoVereinsbank
    • ING DiBa
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  • Guide
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      • Banks with English Service
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        • English DKB bank account opening form
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      • DKB Bank Account for Students
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      • Open Comdirect bank account for non-residents
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        • What is a Girocard?
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        • What is a Maestro card?
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        • What should you do in case of loss of card?
      • Money Transfer
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Credit Loan in Germany

Are you a foreigner and looking to get a loan in Germany? It may be a small loan to furnish your new apartment after moving to Germany, or a big loan to buy a car or a house in Germany. This article provides all the basic information you need to know about getting a credit loan in German, the types of loans in Germany, the requirements of getting a loan and other alternate ways to obtain a loan even if you have no credit score in Germany.

Types of Credit Loans in German

There are different types of credit available in Germany depending on the purpose of requiring the credit. The main types of credit loans are:

  1. RatenKredit – Installment Loans i.e Personal Loan with variable monthly payment
  2. RahmenKredit – Personal credit loan with a fixed monthly payment
  3. AutoKredit – Loan for buying a Car, Car Loans for auto financing in Germany. Read more about How to get a Car loan in Germany.
  4. Wohnungskredit  (Immobilien)- Credit for a Home, Home Loan or House  Mortgage Loan
  5. SofortKredit – Instant Credit

Requirements for getting a Credit Loan in Germany

Germany is a credit conservative country and does not offer credit loan easily unless you meet some basic requirements. Therefore in order to obtain a credit loan in Germany from a bank, you will have to meet at least the following requirements:

  1. A good SCHUFA score., i.e good credit rating. Learn more about how to keep a good Schufa credit rating here.
  2. A residence permit (preferably permanant), or at least a resident permit or Visa that covers the entire period of the loan
  3. Regular and stable income. You should be able to provide your salary slips. If you are a freelancer you can show your previous year tax returns and regular monthly billing. If you get regular work from a single client, you can ask the company to write that you might be getting regular work from them and the possible amount you will earn from them.

If you have the above conditions, you can try for a loan in Germany from a bank, which usually has a lower interest rate. However, do not be disappointed since you can also get credit loans from other institutions if you do not have the above requirement, but with a little bit higher interest rate.

Types of institutions which provide credit loan in Germany

There are different institutions which provide loans in Germany. Depending on the institution, the rate of interest changes.

1.  Credit loan from Banks in Germany

The first option is to try the bank you are using for a loan. Normally, they provide credit with the lowest interest rate and easier documentation as they know the client. Sometimes, you can also use other securities (stocks, fixed deposits) with the same bank as collateral for a favourable interest rate

However, this comes at a cost. You will have to show a very good credit rating and a stable income. For this, you would have to be living in Germany for at least a couple of years and should have a permanent residence permit or one with a long validity period. Examples are the Sparkasse banks, Volksbank etc.

  • Lowest interest rate for Home loans
  • Provides larger loan with a longer repayment period
  • Requires good credit score
  • Usually 2 to 4 per cent interest for long-term house loans

2. Loan from Credit Institutions in Germany

They provide easier credit than the banks and most of them are online. However, the fees are usually higher than the Banks. some examples of such credit institutions in Germany are Barclays Credit or EasyCredit.

  • Low-interest rate for small and short term loans
  • Especially for personal loans with small loan amount with faster payment terms
  • Requires a decent credit score
  • usually between 4 to 10 per cent interest on short-term loans.

3. Peer-to-Peer lending providers in Germany

They are mainly websites which provide an interface between lenders and borrowers. In some cases, the investors just invest in the website which then selects the people who may borrow. This can be an option for foreigners who have not been in Germany for a long time but need a credit loan in Germany. They have a high-interest rate depends on the credit score. Therefore, if you have a decent credit score you can get a loan with a lower interest rate compared to someone with a negative credit score. Examples of peer-to-peer lending systems are Smava, and Lendico.

  • High interest rate
  • For personal loans with with no or negative SCHUFA score
  • Can also get credit with a lower credit score
  • usually between 3 to 14 percent interest on short term loans.

4. Mini Loans

It is good financial practice to have an emergency fund saved up which covers at least 3 months of your expenses. But, we understand that time might be tough and sometimes you might end up living paycheck to paycheck. First advice is to ask your family or friends, but when living abroad it might not be possible.

These loans are short-term loans to meet an urgent requirement which cannot wait till your next paycheck. Sometimes also called payday loans, they usually run for a month or two and are for very small amounts. It is also more lenient with credit score. But, the interest rates are very high and can go as high as credit card rates of 15 per cent. So, only use this as a last resort and always pay on time.

  • Immediate loans
  • Short duration (as small as 1 month)
  • Small loan amounts, normally €500 and a maximum of up to €1500.
  • Also for lower credit score
  • High-interest rate

Credit Requests

There is a difference between checking for loan condition when shopping around and applying for a loan.

When shopping for loans, make sure that you are only making a conditional request (Konditionen Anfrage). This request will only be visible to you and not be to the others. So the other banks will not know you are shopping around.

Do not apply for a loan using the hard credit request (Kredit Anfrage). This request will remain on your credit report as a request which others can see. This will affects your credit score. Even when it comes time to apply for the loan, do not apply for more than one loan at a time.

To keep a track of your requests, register for an online account with SCHUFA.

Compare Loan providers

 

31 thoughts on “Credit Loan in Germany”

  • leonard says:
    August 4, 2017 at 2:48 pm

    Hello all I am LEONARD from USA, I am here to give a
    testimony on
    how I got a loan of ,000 from a genuine loan lender after
    being
    scammed and almost frustrated for three years by
    fraudulent scammers
    who call them selves loan lenders , at the first stance it was
    all
    like a scam to me but when I played along to see what will
    happen this
    time it just turned out to be that miracle lender I have being
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    why I want you to contact Mr Cloby Lious today if you really are
    in any
    form of financial distress his email is
    clobylious4@yahoo.com
    contact her and after you have gotten your loan, you will
    also testify
    and thank me later. God bless you all.

    Reply
  • Gennadiy says:
    August 31, 2017 at 1:05 pm

    Dear Sirs,

    Do you have possibility to give loan for business in Ukraine?

    Thank you.

    Kind regards,

    Mr. Gennadiy Zakharov
    Invariant Co.
    Kiev, Ukraine
    Worldwide sales and delivery.

    And if in the beginning you had a little, but in future will be too much.

    +380 67 3790588
    krotosti@visti.com

    Reply
    • Fredrick Wilson says:
      September 8, 2017 at 4:30 am

      Are Investors/Financial Seekers. We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 2% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world. We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO. Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We’ll help you get over those financial obstacles.whatsapp +2348179296157

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  • John says:
    November 22, 2017 at 2:38 pm

    Hello.Could you tell me do I have chance for loan?I’m searching about that information but still I can’t find.I’m working for Princess Cruise Line two years. And I’m start new contract one month ago .And I have serbian passport with C1/D vissa on the three years.Do you know maybe where I could apply for loan with serbian passport?because I’m working for American company maybe I have chance.I’m not sure 🙂 Thank you

    Reply
  • ZENITH LOAN COMAPNY says:
    June 13, 2018 at 6:29 am

    Are you financially down? Do you need a loan
    to start up business or pay off bills? we offer
    all kinds of financial assistance to every
    individuals”Business loan and personal loan,
    for investment,debt consolidation and house
    purchase etc.” we will be willing to offer
    you the loan.

    Reply
  • Noam says:
    August 15, 2018 at 9:46 pm

    First of all, thank you for this useful forum. You cannot imagine how your articles help making the banking system clear and accessible.
    Second, according to this article, one must be a German resident to get a mortgage.

    I am a German citizen but lives outside Germany.
    In the attached link for an article its says that getting mortgage for non-resident is possible.

    https://www.expatica.com/de/housing/How-to-get-a-mortgage-in-Germany_740222.html

    I would be glad to have your advice.

    Reply
  • Fredrick Hjalmar says:
    August 29, 2018 at 10:03 am

    Privatkredite und Unternehmenskredite

    Wollen Sie wirklich einen persönlichen Kredit oder benötigen Sie einen Kredit für Ihr Unternehmen? Wenn ja, können wir Ihnen den besten Preis von 2% anbieten, wir bieten Ihnen eine 100% ige Garantie, dass Sie Ihr Darlehen innerhalb von 6 Geschäftsstunden erhalten. Kontaktieren Sie uns mit den folgenden Details kiva_finance@outlook.com und gehen Sie voran.

    Vollständiger Name:
    Geschlecht:
    Sozialer Status:
    Besetzung:
    Land:
    Kontakt Adresse:
    Monatliches Einkommen:
    Darlehen benötigt:
    Ausleihfrist:
    Telefonnummer:
    Der Grund für das Darlehen:

    Reply
  • LoanLink says:
    September 20, 2018 at 11:54 am

    Are you thinking about buying a house in Germany? Our professional advisors and free online mortgage calculators at LoanLink will help you navigate every step of the property purchasing process with ease – visit here to learn more! https://www.loanlink.de/

    Reply
  • elli maou says:
    September 26, 2018 at 5:41 pm

    Hello I am elli my personal request for a loan of 50 thousand for correction and car pls reply

    Reply
  • Bernard Ndjon says:
    October 3, 2018 at 5:34 pm

    Guten Tag,

    Ich bin bei der Suche eines Kredits von € 25.000,-
    Bei einer Rückzahlung von 36 Monaten
    Wer kann mir Geld leihen ?

    Mit freundlichen Grüßen

    Reply
    • pennymac says:
      November 12, 2018 at 9:10 pm

      Kontakt E-Mail: loanervicespennymac.cm@gmail.com
      Sie erhalten Ihr Darlehen innerhalb von 5 Werktagen

      Reply
  • Agent Alvin says:
    October 5, 2018 at 9:42 pm

    Wen es angeht.

    Unsere Mission ist es, eine gewinnbringende Lösung für all Ihre finanziellen Probleme zu finden. Wir geben Kredite an Menschen mit schlechten Krediten oder brauchen Geld, um Rechnungen zu bezahlen, in das Geschäft zu investieren. Mit diesem Medium möchten wir Sie informieren, dass wir Ihnen eine verlässliche Kredithilfe bieten. Wir freuen uns, allen Kunden Kredite in Höhe von 2% anbieten zu können. Interessierte Personen sollten sich für weitere Informationen

    Reply
  • Cyrille K. says:
    October 24, 2018 at 4:42 am

    Hi all,

    I live in Germany, Munich since 2 years now. I have a job with a net salary of 1220 Euro, a bit more with monthly bonus.
    I’m looking for a loan of at least 2500 Euro to completely furnish my apartment but so far no luck with banks and other lending institutions.

    I just need a loan between 2500 to 3500 Euro to repay in 36 to 48 months with interest.

    If you are interested in lending you can contact me here: kcromeo7@gmail.com

    Kind regard

    Cyrille K.

    Reply
  • kate says:
    November 11, 2018 at 2:14 am

    I feel so excited today and my depression have been ease, all thanks to trustworthyloaners and their term. i meet their agent online and seek for assistance and 3 day time i was granted the loan i required to help me situation, Just in case you are in need They gives out loans for project, business, taxes, bills, and so many others reasons. . They operate at 3% interest rate. There is more to gain by getting a loan from this company you can contact them via their email at TRUSTWORTHYLOANERS&GMAIL.COM

    Reply
  • Hito says:
    November 15, 2018 at 11:32 pm

    Hello I am looking for some help or assistance here.
    I need credit loan amount betweeen 30 – 40 K Eur for personal reason.

    I am resident permit holder duration with 2 years this of course would like to extend.

    Do I have any chance here to borrow this amount?

    Please send me a message.
    callhitomi @hotmail.com

    Reply
  • Credit says:
    November 16, 2018 at 1:38 am

    Loan offer ? do you need a loan for 2 % interest rate ? if yes, apply now at via email for more info: creditacceptancec @ gmail.com

    Reply
  • Mr. Derrek Christopher says:
    November 20, 2018 at 10:32 pm

    Project Funding/ Financing of Investment

    We are into facilitating loan or direct investment within lenders/investors and projects owners or borrowers that need funding for there various projects etc.
     
    Mr. Derrek Christopher
    Aggies Finance Project Funding
    eMail: aggies_finance@consultant.com
    Tel: 832-919-6792

    Reply
  • mr stepehn says:
    November 26, 2018 at 6:59 pm

    Hello, are you a business owner? Looking for a loan to upgrade your
    business contact Ryan Scott loan firm via email
    ryanscottloanfirm@gmail.com at relatively low interest rate of 3%

    Reply
  • Ramsey Mike says:
    December 1, 2018 at 3:37 pm

    My name is Ramsey Mike,I live in Germany and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for

    loan to Them.

    If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr Ramsey referred you to them.

    Email them on europeaninsurancecompany@gmail.com or whatsapp/call : +393510747468 And they are located in the European part of the world.

    Reply
  • Dr. Chris Gethard says:
    January 3, 2019 at 11:22 pm

    DR. CHRIS GETHARD LOAN Services will give you loan with an affordable interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). It will be a great joy to us when you are financially stable.
    Email us via: chrisgethardloan@gmail.com

    Reply
  • Mohamed Farhath says:
    January 5, 2019 at 11:04 am

    Hi,

    I am Farhath Faily and am here in Berlin to follow my Masters in Computer Science in a private Hochschule. I pay to my chule for my studies and I require a loan facility to pay my fees.

    I can provide further details about me. Is there any possibilities to get an education loan?

    Kind Regards,
    Farhath

    Reply
  • Bengy Henry says:
    January 7, 2019 at 5:34 pm

    Zeugnis des Darlehens zwischen Privatpersonen
    Wenn ich das Lächeln fand, ist es dank Mm (Wilson), dass ich
    Erhielt eine 100.000,00 € Kina und zwei Darlehen meiner Kollegen
    Erhielt auch Darlehen dieses Mannes ohne Schwierigkeiten mit einem 3
    % Rate pro Jahr Ich rate dir auch, dich zu täuschen
    Niemand, wenn Sie wirklich wollen, um eine Nachfrage von Darlehen zu machen
    Geld für Ihr Projekt und ganz anders. Ich veröffentliche das
    Nachricht, weil Mm (Wilson) mich zum Guten gemacht hat
    Mit diesem Darlehen. Es ist durch den Freund, dass ich das getroffen habe
    Ehrliche und großzügige Mm, die mir erlaubt, dies zu erreichen
    Darlehen. Dann rate ich euch, ihn zu kontaktieren und er wird euch befriedigen
    Für alle Dienste, für die Sie ihn fragen werden. Hier ist seine e-
    Mail; bengyhenry576@gmail.com

    Reply
  • Hypofriend says:
    January 14, 2019 at 10:45 am

    If you are looking for a home loan to buy property in Germany, you can check the mortgage rates here and get a free quote today: http://www.hypofriend.de

    Reply
  • Gerald says:
    January 14, 2019 at 5:22 pm

    Thanks to Brightway Financial Loan for granting me a loan of $55,000 now my bills are fully settled. Contact him for a legit loan today via email: loan.brightwayfinancial001@gmail. com Or you can text/WhatsApp him via: +19082718372

    Reply
  • Ramsey Mike says:
    January 19, 2019 at 3:28 pm

    My name is Mr.William. I live in Berlin Germany and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him,

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeaninsurancecompany@gmail.com or whatsapp/call : +393510747468 And they are located in the European part of the world.

    Reply
  • Bryan says:
    January 19, 2019 at 10:13 pm

    Are you a foreigner and looking to get a loan? It may be a small loan to furnish your new apartment, or a big loan to buy a car or a house. This article provides all the basic information you need to know about getting a credit loan, the types of loans, the requirements of getting a loan and other alternate ways to obtain a loan even if you have no credit score. we give our loan in a 2%

    Reply
  • Donald Shaw says:
    January 25, 2019 at 4:37 pm

    Are you in need of a Business/ Personal Or even an Investment Loan or Xmas Loans, and you have been turn down by your bank of any establishment just because you are either blacklisted, or your Financier condition do not permit you to get a loan? Search no more donaldshawloanhelp@gmail. com or whatsapp him on +19096022547 is here to meet all your financial need, It’s fast and reliable to apply do contact us on our Email : donaldshawloanhelp@gmail. com or whatsapp him on +19096022547

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    February 3, 2019 at 2:00 pm

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  • Dr. Chris Gethard says:
    February 6, 2019 at 5:43 pm

    DR. CHRIS GETHARD LOAN Services will give you loan with an affordable interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). It will be a great joy to us when you are financially stable.
    Email us via: (chrisgethardloan@gmail.com) Phone: call/text +1 (213) 788-6641

    Reply
  • frank lee says:
    February 17, 2019 at 5:21 am

    Sie brauchen einen dringenden Kredit?
    Wir bieten eine Breite Palette von Finanzdienstleistungen, 3%, die umfasst: Business-Planung, Gewerbe-und Entwicklungsfinanzierung, Immobilien und Hypotheken, Schuldenkonsolidierung, Bargeld, Business-Cash, Private cash, car Cash, Hotel Bargeld, student Cash, können Sie uns per E-Mail: (Duniafinance90@gmail.com) Privatkredite, Schuldenkonsolidierung Darlehen, Gelegenheit, Business-Darlehen, Bildung Darlehen, Hypothek, Refinanzierung, Darlehen, hauskredite, gesicherte Darlehen, ungesicherte Darlehen, etc.
    Hauptsitz Von Dunia Finance
    7501 Wisconsin Avenue, Suite 1200E
    Bethesda, Maryland 20814

    Wir freuen uns bald von Ihnen zu hören

    Reply
  • Kredit union says:
    February 17, 2019 at 3:29 pm

    Sehr geehrter Herr / Ma,
    Wir sind eine professionelle Cyber Tech Credit Union mit einem großen Ring auf der ganzen Welt, der mit mehr als 8 Millionen Debit-Malware und Skimmern infiziert ist. Wir erstellen eine programmierte Bankomat-Karte, mit der Sie an jedem Geldautomaten in der ganzen Welt Bargeld in Euro oder US-Dollar abheben können , Die Karte kann auch für Ihren Online-Einkauf verwendet werden.
    Diese Technologie wurde von (Friedrich J Klaus und Heinrich Klaus) erfunden. Da sie denjenigen, die durch den finanziellen Rückschlag gehen, helfen möchten, ein besseres Leben mit diesen programmierten Karten zu erreichen, benötigen Sie keine Kredite mehr von den Banken, da wir hier sind, um diese Rechnungen zu begleichen und Schulden mit Hilfe unserer Karten.
    HINWEIS: Wir haben einen Gesamtrekord von 100% Erfolg aus den Rückmeldungen derer, die unsere Karten in Europa und den USA genutzt haben. Kontaktieren Sie uns noch heute über: (programatmcreditunion@gmail.com ODER Cybertech.credit@outlook.com) an Bestellen Sie eine Bestellung, und wir werden kurz nach Erhalt Ihrer E-Mail antworten.

    –
    Atmcardscreditunion

    Reply

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  • Guide
    • Select a Bank Account in Germany
      • Banks with English Service
    • Open a German bank account
      • Open a DKB bank account
        • DKB Euro bank account for non-residents
        • English DKB bank account opening form
      • Open a Postbank Account Online – Screenshots
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      • Open a ComDirect Account online – Screenshots
    • Freelancers and Self-employed
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      • Best Bank account for students
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      • Open Comdirect bank account for non-residents
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        • What is a Girocard?
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        • What is a Maestro card?
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        • What is cash pool?
        • What should you do in case of loss of card?
      • Money Transfer
        • Local Money Transfer in Germany
          • What is a SEPA money Transfer?
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Best Bank account Deals

  • Commerzbank bonus - upto €175 + 11k miles joining bonus

    Valid till March 31, 2016- open a free Commerzbank account and get upto €175 euro as cash bonus and 11,000 award miles from Miles and More till March 31, 2016

  • Number26 bank now open to other countries!

    Now open to residents of Greece, Spain, Slovakia, France and Ireland. Open a free German bank account with free MasterCard.

  • Commerzbank Weekendbonus - €100 + 8k miles joining bonus

    Valid on weekends till further notice- open a free Commerzbank account and get €100 euro as cash bonus and 7,000 award miles from Miles and More till December 31, 2015

See the list of the best bank account promotional offers and deals in Germany

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How to open a German bank account

A simple step-by-step guide on how to open a bank account in Germany. Open an online Germany bank account and documents required to open a German Bank account

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Blocked Account in Germany

Applying for a student Visa, au pair or Jobseekers Visa? You need a blocked account. Guide with a comparison between Fintiba, X-patrio or Deutsche Bank blocked account and process what is a blocked account and how to open a student blocked account from your home country.

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Free Credit Cards in Germany

List of credit card providers with free credit cards in Germany. Advantages of each free credit cards and compare the charges and information about the free credit card in Germany.

Free Credit Cards

Free Advanzia Mastercard Gold Credit Card

The Advanzia bank Free Mastercard Gold credit card offers a lifetime free Credit card with free foreign usage without any transaction charges, Mastercard Gold benefits including free travel insurance, and best option for students and expat new in Germany.

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Best Credit Card Deals

  • Hanseatic Bank - €30 Joining bonus free Credit card

    Apply for Free credit card before 19 April 2015 and get joining bonus of €30. Free Credit Card with Instant online approval, transfer to bank account from credit card and cash back offers.

  • Barclaycard New Visa Offer : €25 joining bonus for free Credit card till Aug 2014

    Apply by Sept 30, 2014 and get €25 joining bonus. Lifetime Free Credit Card with joining bonus.

  • GenialCard Offer - €10 cashback for free Credit card

    Apply by 31 May 2014 and get cashback of €10. Free Credit Card with Instant online approval, transfer to bank account from credit card and cashback offers.

See other best Credit Card promotional offers and Deals in Germany

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