The “from” rate is not tied to any quota. For the representative example, the advertiser must be able to expect that at least two thirds of contracts will match or beat it.
Read moreUnderstand and compare loans
Loans, clearly compared.
Set the amount and term, then compare conditions and total cost. Repayments, interest and outstanding balance broken down clearly.
- Calculate first, then decideEffective rate, repayment and total cost always side by side.
- No data trailOur calculators run locally – no enquiry, no credit agency.
- Clearly labelledThe comparison is labelled as an advertisement by Verivox, and our possible fee is disclosed.
A service of Thinkstars GmbH – from the team behind Strom-Guenstiger.de and Gas-Guenstiger.de.
Loan comparison by VerivoxAdvertisement
The comparison and application process are provided by Verivox. Thinkstars GmbH does not broker or advise; if you sign a contract, it may receive a commission.Learn moreTariff data from
For youFree & without obligation
FundingCommission only on sign-up – disclosed
Editorial teamTim & Max Jungeblut
How it works
Three steps to your loan comparison.
- 01
Work out your budget
The “Maximum repayment” calculator shows how much is really left after fixed costs and a reserve.
- 02
Compare conditions
Enter the amount, term and purpose – the Verivox comparison shows offers with identical key figures.
- 03
Apply online
You apply to the bank via Verivox. The loan agreement is only between you and the bank; the statutory 14-day right of withdrawal applies.
Model calculation
What will the loan cost by the final repayment?
Calculated locally, with no data transfer. A simplified model calculation – not a loan offer and not advice. The preset rate is a freely chosen example, not a market rate.
Model calculation / 48 mo.Calculated locally
Monthly repayment
283,55€
Payout12.000,00 €
- Interest costs
- 1.610,46 €
- Total amount
- 13.610,46 €
Outstanding balance in a simplified model calculation. Not a loan offer and not advice.
Loans & financing
All topics What would you like to finance?
Who is behind it
Tim JungeblutFounder
Max JungeblutCo-founder & head of salesMore about us
From the makers of Strom-Guenstiger.de.
Tim Jungeblut founded Strom-Guenstiger.de and Gas-Guenstiger.de while still at school, with one aim: to make it easy for people to lower their running costs. Finanzierung-Günstiger applies the same idea to loans & financing.
Tim JungeblutFounderFounded Strom-Guenstiger.de and Gas-Guenstiger.de while still at school.
Max JungeblutCo-founder & head of salesHas helped build the portals from the start and is responsible for sales.
What you are entitled to
All rights at a glance The law says more than the interest rate does.
Withdrawal, early repayment and the cap on early repayment compensation are all set out in figures — and the advertised rate is tied to a quota that hardly anyone knows about.
Early repayment compensation (Vorfälligkeitsentschädigung) may also never exceed the borrowing interest for the period you skip.
Read moreNo reason or consent needed. Under § 501, the interest and costs for the remaining term then no longer apply.
Read moreThe period only starts once the contract and all mandatory information are complete. Missing information can be supplied later, then one month applies.
Read more
The loan amount comes from your needs. The repayment comes from your budget.
How we assess
Transparency
How we are funded.
Said openly rather than in the small print: how Finanzierung-Günstiger earns money – and what that means for the content.
Free for you
Using the site is free. Our calculators run in your browser, with no sign-up and no data trail.
Commission only on sign-up
If you sign a contract in a labelled Verivox comparison, Thinkstars GmbH may receive a commission.
Assessment separate from comparison
Editorial assessment, calculator logic and the order of content are not driven by commission levels.
Frequently asked questions
Quick answers.
What does Finanzierung-Günstiger cost me?
Nothing. It is free to use. If you take out a loan through a labelled Verivox comparison, Thinkstars GmbH may receive a fee.
Who is behind Finanzierung-Günstiger?
Finanzierung-Günstiger comes from the same company as Strom-Guenstiger.de and Gas-Guenstiger.de: it is run by Thinkstars GmbH, based in Bad Zwischenahn. The portals were founded by Tim Jungeblut, who now runs them together with co-founder Max Jungeblut.
Does using the site affect my Schufa score?
Our calculators do not: they run in your browser, and nothing is sent to a bank or a credit agency. No credit enquiry is made with us. What happens in the Verivox comparison and when you apply is governed by Verivox and the bank in question.
Is Finanzierung-Günstiger a credit broker?
No. Finanzierung-Günstiger does not broker loans and does not give advice. The embedded comparison is provided by Verivox, which is licensed as a credit intermediary under the German Trade Regulation Act (GewO); the loan agreement is only between you and the bank. Our content is general information, not legal, tax or investment advice, and the calculation results are model values based on your entries.
Ready to compare loans?
Free, without obligation and with our partner role disclosed.