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Online loans in Germany:
Compare our best loan rates
The most important facts about loans
- Looking for a loan in Germany? Whether you need money for a car, to pay your movement to a German city or to send it to your loved ones back at home, with CHECK24 you can get any type of loan you might need – it only takes a few minutes.
- Compare personalized loan offers, adjust terms to fit your needs, and secure the best possible interest rate. Everything is done online, from application to approval.
- To get a first impression of how your personal credit might look like, you can use the loan calculator free of charge and anonymously.
How to get a loan with CHECK24
Select your loan
Enter your desired loan amount ("Nettokreditbetrag") and select a repayment period ("Laufzeit"). You'll also specify the intended use ("Verwendungszweck"). Available loan types include:
- "Gebrauchtfahrzeug": For pre-owned vehicle.
- "Neufahrzeug": Financing a new vehicle.
- "Motorrad": Financing for the purchase of a motorcycle.
- "Umschuldung/Kredit ablösen": Refinancing existing debt to secure better terms or lower interest rates.
- "(energetische) Modernisierung": Financing for home improvements aimed at energy efficiency or general modernization.
- "Baufinanzierung": For building or renovating a property.
- "Freie Verwendung": A loan for any purpose, such as a holiday, wedding, or new smartphone.
Fill in your personal details
To apply for a loan in Germany, you need to meet meet certain requirements regarding your age and employment situation. Provide your personal details (name, date of birth, phone number, and email) and create a CHECK24 account with a password. To receive the best offers, securely connect your bank account for automatic verification or enter your employment details manually. Lastly, provide some basic household information, such as the number of children, car ownership or existing loans.
Compare the results
Once submitted, you’ll receive personalized loan offers from multiple banks, so you can choose the best deal! Compare the annual percentage rate (APR) and additional options. At this stage, you can still adjust the loan amount and repayment period to see how these affect your monthly payments. For flexibility, consider selecting options like free partial repayments (“kostenlose Sondertilgung”) or even full early repayment (“kostenlose Gesamttilgung”) at no extra cost.
Take out the loan
Complete the loan process by uploading the necessary documents, signing the contract, and identifying yourself, all digitally. Once the bank approves your loan, the funds will be transferred to your bank account. If you select an instant loan (“Sofortkredit”), the money can be transferred to your account within minutes, giving you quick access to the funds.
CHECK24 advice
If you already know that you want to use the credit for a specific purpose, such as buying a car or modernizing your home, be sure to specify the purpose. Credit institutions often offer lower interest rates for these designated uses.
Contact one of our 300 experts
Finding the right loan can be challenging, but our team of over 300 loan experts are here to help! We'll guide you through the comparison process, answer your questions and help you optimize your loan offer to get the best possible APR – our experts are also available in English.
Every day from 8am to 8pm
By phone: +49 89 - 24 24 11 24 or by email: kredit@check24.de
Contact us and let's find the perfect loan for you!
Current loan interest rates:
How high are interest rates in Germany?
Loan interest rates in Germany are influenced by the European Central Bank (ECB). In the past, the ECB has raised interest rates to combat high inflation, leading to higher loan costs. However, from 2024 the ECB will gradually reduce interest rates to support the economy.
Falling interest rates can make loans more affordable, but actual rates depend on factors such as credit score, income and loan term.
With the loan comparison from CHECK24, you can compare multiple offers and secure better interest rates. The chart below shows the difference between average loan rates in Germany and the rates CHECK24 customers obtained, as well as recent rate trends. Regardless of market trends, comparing loans on CHECK24 will help you find the best deal.
Loan calculator
To find the perfect loan you can check which conditions suit you best. Use our free loan calculator to find out the impact of different parameters such as the interest rate or the duration of a loan. For example, you can see that the monthly payment will increase if you reduce the term of your loan. At the same time, you pay less interest.
How to use the loan calculator
Depending on what you want to calculate, you have three buttons at the top:
- Monatliche Rate = monthly instalment
- Kreditbetrag = credit amount
- Laufzeit = duration of the loan
You simply enter the data requested and the potential annual percentage rate. In addition to the result you want to calculate, the loan calculator will always show you the total cost of the loan and the amount that you will pay for the interest.
What will my loan cost?
The total cost of your loan depends on the loan amount, interest rate and repayment term. the interest rate and the repayment term. Shorter terms mean higher monthly payments but lower total cost. A longer term will reduce the monthly payments but increase the total interest paid.
Here's an example of a €10,000 loan with different repayment periods and a fixed interest rate of 6 % p.a:
| Loan term | Monthly payment | Total interest paid | Total cost of loan |
| 24 months | 442,49 € | 619,77 € | 10.619,77 € |
| 36 months | 303,50 € | 925,99 € | 10.925,99 € |
| 48 months | 234,12 € | 1.237,87 € | 11.237,87 € |
| 60 months | 192,59 € | 1.555,39 € | 11.555,39 € |
Personal loan requirements for obtaining a loan in Germany
To apply for a loan in Germany you must fulfil at least the following conditions:
- You must be at least 18 years old.
- You must live in Germany.
- You must have a regular income.
- You should have a permanent employment contract or at least one that is longer than the duration of the loan.
- You must have a high degree of creditworthiness.
- You must understand the german contract.
Depending on the type of loan you are applying for, you may need to provide additional documentation.
EU citizens must meet the same requirements as German citizens. They must be resident in Germany.
Documents you need to apply for a loan as a non-EU citizen
As a non-EU citizen, you will also need to show proof of your residence permit. This is a card similar to an identity card, that also contains information about the conditions of your stay in Germany. Like any borrower, you also need to have a residence in Germany, which you can prove with your registration certificate.
CHECK24 notice
Identification with a non-German ID
When you apply for a credit, you must proof your identity. This can be done using VideoIdent or SofortIdent. All international passports are accepted as proof of identity. In addition to your passport, you will need also a registration certificate. VideoIdent also offers an English-speaking contact person to guide you through the process.
What is the Schufa score?
The Schufa is the main credit agency in Germany. It collects data about your financial behaviour and uses a score to rate your creditworthiness. When you apply for a loan the bank will check your personal Schufa score to decide whether or not to grant you credit. A higher Schufa score means you are considered a low-risk borrower, making it easier to get approved for loans, mortgages or rentals. A lower score may results in higher interest rates or even loan rejections.
Important to know: The CHECK24 credit comparison is always neutral. Your Schufa score will not be affected by comparing offers from different banks.
Personalized credit options tailored to your needs
No matter your financial situation, there’s a loan that fits your needs. Explore different options and find the best deal with CHECK24 loan comparison.
Car Loan Comparison & Calculator
Buying a new or used car? A car loan helps you finance your vehicle with fixed monthly payments. Use our calculator to find the best deal!
Student loan
Financing your education? A student loan can help cover tuition fees and living expenses, with flexible repayment options after graduation.
Debt Consolidation Loan
Too many loans? A debt consolidation loan lets you combine multiple debts into one with a single monthly payment and often with a lower interest rate.
Payday & Short Term Loans
Need quick cash for an unexpected expense? Short-term loans provide fast access to funds to help you bridge financial gaps until your next paycheck.
Loans for bad credit
Struggling with a low credit score? Bad credit loans provide funding solutions even if your credit history isn’t perfect. Compare options to improve approval chances.
Home Improvement Loans
Planning renovations? A home improvement loan can help you improve your home while spreading the cost over manageable monthly payments.
Why CHECK24?
Compare many offers
When you ask your bank for a loan you will get one offer. With CHECK24 you can compare the offers from hundreds of banks and find the perfect loan for you.
Compare as often as you like
You can compare loans as often as you like. Just change the credit amount, the purpose or the duration of the loan to get different offers.
Get help from one of our experts
Whenever you have a question, you can ask one of our 300 experts. They will help you to find the perfect loan. The consulting is always free of charge.
Find your loan wherever you are
You don't need to make an appointment, you can use the CHECK24 loan comparison whenever you want – comfortably from your own home.
Find your loan whenever you want
Whenever you decide to apply for a loan you can do everything online. There is no need for printed documents. Even signing the loan contract is done digitally.
Get the best offer
With CHECK24 you get offers you won`t find anywhere else. Thanks to our cooperation with a large number of banks, you will receive offers with better conditions than you would find directly with the bank or on other comparison platforms.
Awards and customer reviews
Our ultimate goal is to make our customers happy. That is why we are constantly working to improve our service. We are very proud that our customers have confirmed the quality of our service by awarding us 4.9 stars on Trustpilot and eKomi – two independent feedback platforms. We are also frequently awarded by financial magazines, independent institutions and various test centres for our excellent advice, friendliness, data security and functionality of the credit comparison.
„Alles super‟ 04/2025
„Schnell und günstig‟ 04/2025
Frequently asked questions
Can I apply for a loan if I have a non-German employer?
Yes, you can apply for a loan even if your employer isn’t based in Germany. Whether or not this is accepted depends on the bank.
What documents do I need to get a loan?
To get a loan in Germany you will need the following documents:
- A valid passport with proof of residence or identity card
- Depending on the bank you need a recent bank statement
- Proof of income
- Non-EU citizens: residence permit
If you are using the credit for a specific purpose, you may need additional documents such as a vehicle registration document or proof of ownership of your property.
Is the credit comparison free?
The credit comparison is free of charge. You can use it as often as you like to compare offers and find the best one for you.
How long does it take to get the money?
It depends on the bank and the type of loan how fast you will get the money in your bank account. If it is a “Kredit mit Sofortauszahlung” (instant loan) it may take a few minutes to get your money, if you have to provide additional documents or the loan amount is very high, it may take a few days for the bank to approve the loan.
Can I pay off my loan earlier?
You can repay a regular loan at any time. The bank may charge a fee if you do so. The amount of this fee is regulated by law and can be a maximum of one percent of the remaining debt if the loan is still running for more than twelve months. If the loan is less than twelve months, the fee cannot exceed 0.5 per cent of the remaining debt. It is also possible to make partial unscheduled repayments, while the credit is still open. You can find the exact options and possible fees in your contract with the credit institution.
What kind of credit can I get through CHECK24?
You can compare all types of loans via CHECK24, including:
CHECK24 – Germany's biggest comparison platform
Transparent
We offer an overview of prices and services from thousands of providers. And all this with our own comparison calculators.
Free
Our service is free for customers. We are financed by provisions we get from the providers in case of successful contracts.
Trustworthy
Customers can only write reviews after completing the use of a service. Thus you only see authentic customer reviews.
Experienced
Our experts helped more than 15 million customers comparing and saving money since 1999.
Telefonische Beratung
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