Frequently Asked Questions

Applying for a loan is simple:

1. Use our loan calculator to determine your desired amount and term
2. Click "Apply Now" to start your application
3. Fill in your personal and financial information
4. Submit required documentation
5. Receive a decision within 24 hours

You'll need to provide:

• Valid government-issued ID
• Proof of income (last 3 pay slips)
• Bank statements (last 3 months)
• Proof of address (utility bill)

To be eligible, you must:

• Be at least 18 years old
• Be a resident of Germany, Austria, or the Netherlands
• Have a regular income
• Have a valid bank account
• Pass our credit assessment

The minimum income requirement varies based on the loan amount requested and your current financial commitments. We assess each application individually to ensure affordability.

Our interest rates start from 5.9% APR and vary based on:

• Loan amount and term
• Credit history
• Income and employment status
• Current financial commitments

Use our loan calculator to see personalized rates.

Our loan terms range from 12 to 84 months. Choose a term that makes your monthly payments affordable while considering the total cost of the loan.

Repayments are made via direct debit from your bank account on your chosen date each month. This ensures you never miss a payment.

Yes, you can make early repayments or settle your loan in full at any time. We don't charge early repayment fees, and you'll save on interest by paying early.

We take data protection seriously:

• 256-bit SSL encryption for all data transmission
• GDPR compliant data handling
• Secure servers in EU data centers
• Regular security audits

Your information is only accessed by authorized personnel for loan processing. We never sell your data to third parties. Read our Privacy Policy for more details.