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Consorsbank
Cash loans

Ratenkredit

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Consorsbank • EUR

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🏆 BankSorter Score
8,1 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 1,95%
Loan amount 2 500 – 50 000 EUR
Period 12–96 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Introduction

Consorsbank's instalment loan is aimed at private individuals in Germany looking for flexible financing for larger purchases, debt consolidation, or unexpected expenses. As an online loan, it can be applied for entirely digitally without needing to visit a branch – ideal for anyone who values fast, uncomplicated loan processing.

Interest and Costs

The effective annual percentage rate ranges from 1.95% to 8.99%, with a fixed nominal rate between 1.93% and 8.77% p.a. Which rate applies in an individual case depends on personal creditworthiness. In a representative example given by the bank, a net loan amount of €7,500 over a 30-month term carries an effective annual rate of 3.58%, with monthly instalments of €261.53 and a total repayment amount of €7,845.90. The loan amount itself ranges from €2,500 to €50,000.

Terms and Requirements

The term can be chosen between 12 and 96 months, allowing the monthly burden to be adapted to one's own financial situation. No processing fee is charged. Special repayments are generally possible free of charge at any time; an early repayment penalty is only calculated if the repayment concerns more than 50% of the outstanding net loan amount or if less than twelve months have passed since the last special repayment. Requirements for granting the loan are being of legal age, a primary residence in Germany, and regular income from a permanent employment relationship or from a pension.

Verdict

The Consorsbank instalment loan impresses with an attractive interest rate range that, for good creditworthiness, can be well below the market average, as well as free special repayment options within the stated conditions. Anyone looking for straightforward online financing without processing fees who meets the requirements will find a solid offer here – however, the actual interest rate should always be checked via a personal, non-binding loan enquiry.

✓ Pros

  • ✓ Effective annual rate from 1.95% for good creditworthiness
  • ✓ No processing fee
  • ✓ Free special repayments within the stated conditions
  • ✓ Flexible terms from 12 to 96 months
  • ✓ Fully applicable online

✕ Cons

  • ✕ Effective rate can rise to 8.99% for weaker creditworthiness
  • ✕ Early repayment penalty possible for larger special repayments
  • ✕ Only available to residents of Germany

Loan repayment calculator

2 500 EUR 50 000 EUR
12 mo. 96 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 1.95%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 1,95% (APRC — check the bank's current offer), the monthly instalment is approximately 433 EUR, and the estimated total amount payable is approximately 20 806 EUR (including interest: approx. 806 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.