1 minute
Calculate
Use the loan calculator to view your installment and repayment schedule in seconds.
Personal financing · transparent from the very first conversation
Loans.Clear.Fair.
Together, we find the financing that fits your life — with transparent figures, honest guidance, and without a single cent in upfront fees.
I would like to borrow € over .
Your installment from approx.
per month · Representative APR (example) 6.9 %
Three standards you can hold us to.
01
Transparent figures
Borrowing rate, APR, total amount: you see everything before making a decision.
02
Honest advice
We will also tell you if taking out a loan is currently not your best option.
03
Zero pressure
You receive a clear offer and all the time you need to make up your mind.
02 — Loans
The right structure for every plan.
From a new car to your own enterprise — explore our six financing solutions.
01 / 06
Flexible use
Learn more→Personal loan
Fixed amount, fixed interest rate, fixed installment — predictable from day one.
02 / 06
Secured vehicle discount
Learn more→Car loan
New or pre-owned, combustion or electric — drive away with confidence.
03 / 06
Long-term rate security
Learn more→Mortgage
Purchase, construction, or refinancing — guidance at every stage.
04 / 06
Lower installments & clarity
Learn more→Debt consolidation
Combine multiple loans — one payment, one point of contact.
05 / 06
For entrepreneurs & SMEs
Learn more→Business financing
For self-employed professionals, SMEs, and founders seeking growth.
06 / 06
Comfort & Energy efficiency
Learn more→Renovation loan
New kitchen, modern bathroom, heat pump — make your home truly yours.
Clarity in four simple steps.
approx. 3 minutes
Apply
Answer a few concise questions online — only what is strictly necessary.
personal
Talk
A dedicated personal advisor reviews your application and discusses your options.
your choice
Decide
Receive a transparent offer showing all costs clearly. You decide — in your own time.
Financing for what truly matters.
Behind every loan is an individual, a family, or an ambitious project. We guide you with respect, proven expertise, and careful attention.
100% Transparency
Personal guidance at eye level
No impersonal algorithm decides your future. Our advisors dedicate time to understand your circumstances and develop responsible solutions.
Value addition
Learn more →Craftsmanship & Renovation
From home improvements to energy upgrades: make your ambitions a reality with dependable craftsmen and predictable rates.
Security
Household & Life projects
Financial peace of mind and dependable stability for households, couples, and new life chapters.
Economic drive
Entrepreneurship & Fresh beginnings
Investments in working capital, business expansion, or consolidating existing commitments on fair terms.
05 — Calculator
Run the numbers yourself.
Amount, duration, done. Including complete amortization schedule and term comparison.
€
Duration
Your loan receipt
Receipt No. KF-012000-060
Date
Net loan amount€12,000.00
Duration60 months
Fixed borrowing rate p.a.6.69 %
Representative APR (example)6.90 %
Total interest costs€2,152.11
Total amount payable€14,152.11
Monthly payment
Breakdown of your repayment
Principal 85 % Interest 15 %
Remaining balance · Year 1–5
Apply with these figures
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
06 — Plain talking
Things we will never do.
Did you receive a payment request prior to loan payout? Do not transfer any money and contact us immediately.
- 01Ask for upfront fees, processing charges or advance insurance premiums.
- 02Hide costs in fine print.
- 03Pressure you into signing quickly.
- 04Sell your personal data.
- 05Ask for passwords, PINs, or security codes.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.
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