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Frankfurter Sparkasse
Cash loans

S-Privatkredit

New

Frankfurter Sparkasse • EUR

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3,9 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 3,99%
Loan amount 1 000 – 80 000 EUR
Period 12–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Introduction

Frankfurter Sparkasse's S-Privatkredit is an instalment loan for Sparkasse customers who want to use their banking relationship for larger purchases or debt consolidation. The contracting partner is S-Kreditpartner GmbH, a company specializing in consumer loans within the Sparkasse financial group.

Interest and Costs

The nominal rate is 3.99% p.a.; the bank does not state a concrete effective annual percentage rate on its public product page – this is calculated individually based on creditworthiness as part of the online application. The loan amount can range from €1,000 to €80,000 and is paid out directly to the current account upon approval.

Terms and Requirements

The monthly instalment can be spread over a term of 12 to 120 months. According to the bank, special repayments are possible at any time. Requirements for the S-Privatkredit include a minimum age of 18, a primary residence in Germany, and an existing, actively used current account at Frankfurter Sparkasse into which salary or pension payments are received. Use of online banking is also required. The bank does not disclose processing fees or an early repayment penalty on its public product page; these are shown in the individual offer.

Verdict

The S-Privatkredit is best suited to existing Frankfurter Sparkasse customers who want to use their banking relationship for straightforward follow-up financing. Since key figures such as the effective annual percentage rate only become visible in the individual application, it is worth comparing with other offers before signing.

✓ Pros

  • ✓ Loan amounts from €1,000 to €80,000
  • ✓ Long term of up to 120 months
  • ✓ Special repayments possible at any time
  • ✓ Direct payout to your own current account

✕ Cons

  • ✕ Only available to customers with a current account at Frankfurter Sparkasse
  • ✕ Effective annual percentage rate not publicly disclosed
  • ✕ Salary or pension payments into the account required
  • ✕ Online banking use required

Loan repayment calculator

1 000 EUR 80 000 EUR
12 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 3.99%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 3,99% (APRC — check the bank's current offer), the monthly instalment is approximately 451 EUR, and the estimated total amount payable is approximately 21 672 EUR (including interest: approx. 1 672 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.