Compare personal loans in Germany.
23 live personal finance offers tracked across 18 German providers, with APRs from 3.55%. Data current as of 23 October 2026 and updated daily from the Giraffy database.
23 live offers compared from 18 providers, from 3.55% APR. Updated daily.
3.55% APR
Targobank Ratenkredit is a personal finance offer from Targobank in Germany. Key details — Interest Rate: 3.55% eff. Jahreszins; Loan Amount: €2,500-€65,000; Loan Term: 12-96 months; Key Feature: Consumer finance specialist; up to 96 months.
3.99% APR
3.99% APR
Commerzbank Privatkredit is a personal finance offer from Commerzbank in Germany. Key details — Interest Rate: 3.99% eff. Jahreszins; Loan Amount: €1,000-€50,000; Loan Term: 12-84 months; Key Feature: Commerzbank — credit-score-independent rate offered.
4.49% APR
4.99% APR
4.99% APR
5% APR
5.49% APR
5.80% APR
5.90% APR
5.90% APR
5.99% APR
5.99% APR
5.99% APR
5.99% APR
5.99% APR
6.29% APR
6.49% APR
6.49% APR
Price on request
Price on request
Price on request
Price on request
Personal finance here means the unsecured instalment loan known in Germany as a Ratenkredit or Konsumentenkredit. It is a fixed-sum loan repaid in equal monthly instalments over an agreed term, used for purchases such as a car, home improvements, furniture or consolidating other debts. Unlike a mortgage, it is not secured against property.
Ratenkredit is one of the most common credit products in Germany. Terms typically run from 12 to 84 months, with the loan amount, rate and duration set at the outset so your monthly payment is predictable throughout.
Loans are offered by universal banks, direct banks and consumer-credit specialists. Targobank is one of the best-known Ratenkredit specialists, alongside Commerzbank, Deutsche Bank, ING Germany, HypoVereinsbank and Wüstenrot Bank, with Austrian-linked easybank and Bank of Scotland Deutschland also active in the market.
Every application triggers a creditworthiness check that draws on Schufa, Germany's main credit bureau. Your Schufa score, income and existing commitments determine both approval and the rate you are offered. Lenders often advertise a representative APR while quoting each borrower a bonitätsabhängiger Zinssatz — a rate that depends on individual credit standing.
Predictable payments — A fixed effektiver Jahreszins and level instalments make budgeting straightforward across the whole term.
Flexible use — A general-purpose Ratenkredit can fund almost any personal need, and debt consolidation can simplify several balances into one.
Competitive rates for good credit — Well-rated borrowers can access APRs in the region of 3.55 to 6.49 percent depending on lender, amount and term.
Early repayment rights — German law lets you repay early, with any permitted compensation to the lender capped by statute.
Focus on the effektiver Jahreszins (APR), which bundles interest and mandatory costs into one comparable figure, rather than the nominal rate. Watch for advertised rates that only the most creditworthy applicants receive, and check whether the quote is guaranteed or credit-dependent.
Match the term to the purpose: longer terms lower the monthly payment but raise total interest. Consider whether you want optional Restschuldversicherung (payment-protection insurance), which adds cost and is not required, and confirm early-repayment terms. Because each formal application can affect your Schufa footprint, use conditional or rate-request enquiries (Konditionenanfrage) that do not harm your score where offered.
Targobank built its brand largely on consumer lending and is a reference point for Ratenkredit. Commerzbank, Deutsche Bank, ING Germany, HypoVereinsbank and Wüstenrot Bank offer instalment loans within full-service banking, while easybank and Bank of Scotland Deutschland compete on rate and convenience. This page compares offers from these providers across amounts and terms so you can see representative APRs side by side.
Advertised APRs for standard Ratenkredit currently span roughly 3.55 to 6.49 percent for borrowers with solid credit, with higher rates for weaker profiles. The total cost of credit depends on the amount, term and your APR: a longer term reduces each instalment but increases the interest you pay overall. Optional payment-protection insurance adds a further cost and should be weighed on its own merits. Always compare the total repayment amount, not just the monthly figure.
Consumer lending is governed by German and EU consumer-credit law and supervised by BaFin. Before signing you receive standardised pre-contract information (the European Standardised Information Sheet) and the binding APR. A statutory 14-day right of withdrawal (Widerrufsrecht) lets you cancel a new loan agreement without penalty. Lenders must assess affordability, and Schufa data handling is subject to data-protection rules that also give you rights to see and correct your record.
Will applying hurt my Schufa score? A firm loan application is recorded, but a conditional rate request (Konditionenanfrage) is treated neutrally, so compare offers that way before committing.
Can I repay early? Yes. You have the right to settle a Ratenkredit ahead of schedule, and any early-repayment compensation the lender charges is capped by law.
Do I need Restschuldversicherung? No, it is optional. It can cover payments during illness or unemployment but adds cost, so judge whether the protection justifies the price.
Giraffy tracks 23 personal loan products across 18 lenders in Germany. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in Germany offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.