Compare instalment loans – start with fixed key figures
Set the loan amount and term and compare here using the embedded Verivox comparison. Effective rate, repayment and total amount at a glance.
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 moreFix the loan amount and term before you compare. Then start your comparison on this page and check personal conditions by effective rate, repayment and total amount.
Have this ready before you compare
Note down the amount, purpose, preferred term, household surplus and existing commitments. That way you won’t change the parameters just to get a repayment that only looks more comfortable.
Who does what
The comparison is provided by Verivox, a loan broker licensed under the German Trade Regulation Act (GewO). Verivox supplies the offer data and application process and also decides which offers are shown and in what order; not every bank on the market is included. Finanzierung-Guenstiger does not broker loans and does not give advice; it provides calculation aids and editorial context. The loan agreement is concluded only between you and the bank.
Frequently asked questions
Which details must stay the same for a fair loan comparison?
Compare the same payout amount and the same term. Check the effective annual rate, the total amount and any optional add-on products separately. Only a personal offer shows which conditions the bank actually offers for your details.
Why is the lowest monthly repayment not automatically the cheapest offer?
A small monthly repayment can be the result of a longer term. With otherwise identical conditions, you then pay interest for longer. So compare the total repayment and, at the same time, check which repayment your household reserve can support.
How do I compare loan offers properly?
Offers only become comparable with an identical net loan amount and an identical term. Then set the effective annual rate, monthly repayment and total amount side by side. If one offer extends the term just to lower the repayment, the comparison no longer tells you much.
Does a loan comparison harm my credit rating?
A pure conditions enquiry (Konditionsanfrage) is designed not to affect your score with credit bureaus. A binding loan application, on the other hand, can be recorded. So before submitting, clarify which type of enquiry is being made and which credit bureau is involved.
Does Finanzierung-Guenstiger earn money from my loan?
Using the site is free. If a contract is concluded through the labelled Verivox comparison, Thinkstars GmbH may receive a commission. Calculators and editorial content are not influenced by this and are not sorted by commission.
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Your next steps
Loan
Check instalment loans step by step: make repayment, term, effective rate and total amount comparable using identical key figures.
Read moreTransparency
How Finanzierung-Guenstiger is funded: Verivox as a labelled partner, possible remuneration and an editorial team kept strictly separate from it.
Read moreMaximum repayment
Combine income, spending, current repayments and a safety reserve into a monthly amount that is free on paper – locally in your browser.
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