Personal loans

Personal loans from licensed lenders, with each lender's representative example, APR range, amounts and terms.

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Personal loans and consolidation

Bank of Scotland

Instalment loan

Germany

For private purposes (not for property finance)
Fixed borrowing rate for the whole term

Amount: €3,000 to €50,000
Term: 24 to 84 months
APR: 5.52% to 6.99%

Representative example

Representative example: net loan amount €23,000, term 74 months, fixed borrowing rate 6.68% a year, APR 6.89%, monthly instalment €380.06, total amount payable €28,124.62. At least two thirds of customers receive these terms. Lender: Lloyds Bank GmbH (trading as "Bank of Scotland"), Karl-Liebknecht-Str. 5, 10178 Berlin, Germany.

Lender: Lloyds Bank GmbH (trading as "Bank of Scotland"), Karl-Liebknecht-Str. 5, 10178 Berlin, Germany. Checked on 5 November 2026 on the lender's website (Source).

TARGOBANK

Online loan (instalment loan)

Germany

For any purpose; credit rating required
Free special repayments of up to 50% of the current balance every 12 months (lender's terms)
One instalment can be skipped every 12 months (lender's terms)

Amount: €1,500 to €80,000
Term: 12 to 96 instalments
APR: 3.49% to 10.99% (depends on credit rating)

Representative example

Two-thirds example: net loan amount €15,000, total amount payable €18,377.70, monthly instalments of €255.20, 72 instalments, term 73 months, fixed borrowing rate 6.74%, APR 6.95%. TARGOBANK AG, Kasernenstraße 10, 40213 Düsseldorf, Germany.

Lender: TARGOBANK AG, Kasernenstraße 10, 40213 Düsseldorf, Germany. Checked on 5 November 2026 on the lender's website (Source).

smava

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from participating banks and loan brokers in one request
smava arranges the loan: the lending bank makes the decision and grants the credit

Amount: €1,000 to €150,000
Term: 6 to 120 months
APR: -0.40% to 19.90% (range across the banks and brokers on smava)

Representative example

Two thirds of customers receive: net loan amount €50,000.00, term 60 months, APR 8.70%, fixed borrowing rate 8.37% a year, 60 monthly instalments of €1,022.73, total amount payable €61,363.57. Lender in the example: Vereinigte Volksbank Raiffeisenbank eG, Darmstädter Str. 62, 64354 Reinheim, Germany (Section 17 of the German Price Indication Ordinance, PAngV).

Lender: smava GmbH, Palisadenstraße 90, 10243 Berlin, Germany (Berlin-Charlottenburg local court, HRB 97913). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO); supervised by the Bezirksamt Friedrichshain-Kreuzberg, Berlin. Checked on 4 November 2026 on the lender's website (Source).

Verivox

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from partner banks; each bank shows its own representative example (the rate two thirds of its customers receive)
Verivox reports a median APR of 6.21% for loans taken out through it in September 2026
Verivox arranges the loan: the lending bank makes the decision and grants the credit

Amount: Depends on the bank: see the comparison on Verivox
Term: Depends on the bank: see the comparison on Verivox
APR: See each bank's representative example on Verivox

Lender: Verivox GmbH, Max-Jarecki-Straße 21, 69115 Heidelberg, Germany (Mannheim local court, HRB 754408). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO), licence issued by the City of Heidelberg trade office; supervised by IHK Rhein-Neckar. Checked on 5 November 2026 on the lender's website (Source).

FINANZCHECK.de

Loan comparison (loan broker, not a lender)

Germany

Compares instalment loans from partner banks in one request
FINANZCHECK.de arranges the loan: the lending bank makes the decision and grants the credit

Amount: Depends on the bank: see the comparison on FINANZCHECK.de
Term: Depends on the bank: see the comparison on FINANZCHECK.de
APR: Depends on the bank and your credit rating: see the example

Representative example

Example under the German Price Indication Ordinance (PAngV); two thirds of customers receive: net loan amount €30,000.00, term 84 months, APR 8.7%, fixed borrowing rate 8.37% a year, 84 monthly instalments of €473.15, total amount payable €39,744.95. Lender in the example: Vereinigte Volksbank Raiffeisenbank eG, Darmstädter Str. 62, 64354 Reinheim, Germany.

Lender: FFG FINANZCHECK Finanzportale GmbH, Admiralitätstraße 60, 20459 Hamburg, Germany (Hamburg register court, HRB 112143). Licensed loan broker under Section 34c(1) no. 2 of the German Trade Regulation Act (GewO); supervised by the Bezirksamt Hamburg-Mitte. Checked on 5 November 2026 on the lender's website (Source).

Before you borrow

Borrow only what you need and can repay. Work out the instalment against your monthly budget.
Compare the APR (TAEG), not just the interest rate (TAN): the APR includes most costs.
Read the SECCI (standard European consumer credit information) the lender must give you before you sign.
You have 14 days to withdraw from a consumer credit agreement after signing it.
If you have several debts, a consolidation loan can lower the monthly instalment but often costs more in total.

Free help

For neutral information about consumer credit in Italy, see the Bank of Italy's financial education portal. If you are struggling with debt, ask a consumer association or a debt advice service before taking new credit. Bank of Italy: financial education (in Italian)