Understand your financing options
Information for personal projects in Austria, Germany and Switzerland.
Solutions
Financing options at a glance
Choose a topic to explore uses, illustrative amounts, terms and required documents.
Personal financing
Financing for personal projects and planned expenses.
- Illustrative amount
- 5.000 € – 150.000 €
- Term
- 12 – 84 months
Property financing
Plan the purchase, construction or refinancing of a home.
- Illustrative amount
- 50.000 € – 1.500.000 €
- Term
- 60 – 180 months
Vehicle financing
Plan new or used vehicle purchases and mobility projects.
- Illustrative amount
- 5.000 € – 120.000 €
- Term
- 12 – 84 months
Renovation financing
Plan renovation, refurbishment and improvements to your home.
- Illustrative amount
- 5.000 € – 250.000 €
- Term
- 12 – 120 months
Student financing
Plan studies, further education and professional training.
- Illustrative amount
- 2.000 € – 60.000 €
- Term
- 12 – 120 months
Energy improvements
Assess insulation, heating and solar energy projects.
- Illustrative amount
- 3.000 € – 150.000 €
- Term
- 12 – 120 months
Choose your country and financing type
Loan calculator
Select your country and financing type. The calculation updates automatically.
Origin of funds: Switzerland · CHF
Estimated monthly payment
1.819,17 €
- Total repayment
- 109.150 €
- Cost of credit
- 9.150 €
Illustrative calculation only. The APR depends on your credit assessment and local regulations.
How it works
The enquiry process
Three clearly explained steps.
- 01
Calculate an example
Choose an amount and term to see a non-binding illustrative calculation.
- 02
Apply online
Send your details and documents using the encrypted form.
- 03
Assessment and offer
We assess your enquiry. If approved, you receive a written offer.
Transparency at every step
Clear information before you make a decision.
Clear illustrative calculations
Amount, term, interest rate and APR at a glance. Only the written offer is binding.
Encrypted transmission
Your information is transmitted over an encrypted connection.
Data protection
Your data is used to process your enquiry. See our privacy policy for details.
About us
What you can expect from us
Learn moreClear information
Financing types, illustrative amounts and documents explained clearly.
Three countries, two currencies
Projects in Austria, Germany and Switzerland, in EUR and CHF.
Individual assessment
Every enquiry is assessed individually. Approval cannot be guaranteed.
Costs provided in writing
All terms and costs are set out in the written offer before you sign.
Explore your options without commitment
Calculate an example and submit your enquiry in a few minutes, free of charge and without commitment.
Calculate an exampleFAQ
Frequently asked questions
Answers to the questions we are asked most often.
Is the example calculation free and non-binding?
Yes. The calculator and sending an application are free and non-binding. Only the written offer, if you sign it, is binding.
In which countries can I apply?
Applications cover projects in Austria, Germany and Switzerland. Financing is in EUR for Austria and Germany and in CHF for Switzerland.
How does an application work?
You first calculate an example, then fill in the online form. We then review your application individually and, if the outcome is positive, send you a written offer.
Which documents do I need?
Usually a valid ID and proof of income. Depending on your project, further documents may be needed – we tell you exactly what is required.
How do I send documents and sign?
After reviewing your application, we send you a personal, secure link to upload your documents and sign online, with no paperwork to post.
Is the rate shown in the calculator final?
No. It is a representative example rate. The effective APR depends on your credit assessment and local rules, and is stated in the written offer.
Will my application definitely be accepted?
No. Every application is reviewed individually and approval cannot be guaranteed. A loan is a commitment and must be repaid.
Is my data protected?
Your information is sent over an encrypted connection and used only to process your application. Details are in our privacy policy.