Borrowed money, your rules
Loans & Financing
A loan is a tool, not a flaw. What matters is the rate, the term and whether what you bought lasts longer than the instalments.
The cheapest loan
Comparing loans: APR, term, traps
Instalment loans in Germany cost between 5 and 12 percent in 2026 depending on credit score and provider.
Saving interest
Refinancing: when switching loans pays
Old loans often run at rates nobody would pay today.
The big loan
The German mortgage: fixed period, repayment, remaining debt
A mortgage is a 30-year contract with decisions made on day one.
Financing
Loan Calculator
Loan amount, rate, term: monthly instalment, total interest and repayment schedule, also for refinancing.