Personal loan
Flexible financing for your private plans — with fixed interest, predictable terms, and zero upfront fees.
Net loan amount
€1,000 – €100,000
Duration
12 – 120 months
Representative APR (example)
ab 4.49 % eff. p. a.
What makes the KreditFair personal loan stand out?
The personal loan is a straightforward solution for your lifestyle plans. You receive the funds directly into your bank account and repay in equal monthly installments with full freedom to make unscheduled repayments.
Key benefits
- ✓Steady monthly installment
- ✓Term suited to your budget
- ✓Early repayment options without penalty
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 01
Eligibility & Documentation
Responsible lending protects against over-indebtedness. Key requirements include:
Age & Residency
At least 18 years old, permanent legal residence and EU bank account.
Regular Income
Permanent employment contract (outside probation period), civil service, or at least 2 years self-employed.
Affordability Check
Verifiable disposable income sufficient to cover monthly expenses and the planned installment comfortably.
Required Documents
Valid photo ID (passport or ID card), last 2–3 pay slips, and recent bank statements.
Process
4 Steps to your personal loan
Fast, digital, and transparent from start to payout:
Choose loan parameters
Select loan amount and duration. The calculator estimates a realistic monthly payment.
Submit application
Fill in key parameters online — strictly credit-neutral with no impact on your credit rating.
Personal comparison
Your personal advisor compares market offers to secure the best APR and conditions.
Verification & Disbursement
Complete online ID verification and digital signature. Funds are transferred to your account.
Simulation
Calculate monthly payment for Personal loan
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
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.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Personal loan FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €10,000, 60 months duration, borrowing rate 4.40% p.a. fixed, representative APR 4.49%, monthly payment €186.00, total amount payable €11,160.00. Subject to status and affordability.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.