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norisbank
Cash loans

Ratenkredit

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norisbank • EUR

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4,3 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 3,69%
Loan amount 1 000 – 65 000 EUR
Period 12–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Introduction

norisbank's instalment loan is a classic online consumer loan for private individuals in Germany who want to finance a purchase, buy a vehicle, or consolidate existing debt. norisbank, a subsidiary brand of Deutsche Bank, also advertises a low-interest guarantee that makes the loan attractive to rate-sensitive customers.

Interest and Costs

Depending on creditworthiness, the effective annual percentage rate ranges from 3.69% to 14.40% p.a., with a fixed nominal rate between 3.63% and 13.52% p.a. The loan amount can range from €1,000 to €65,000. If a customer finds a cheaper loan offer within four weeks of signing the contract, norisbank refunds €50 under its low-interest guarantee.

Terms and Requirements

The term can be chosen between 12 and 120 months. No separate processing fee is charged, and repayment is possible at no additional cost. Special repayments of up to 50% of the remaining balance can be made free of charge once per year. Requirements include a minimum age of 18, regular income from dependent employment for at least six months, and a comprehensive SCHUFA credit check carried out as part of the application review.

Verdict

The norisbank instalment loan offers a wide interest rate range and, with its low-interest guarantee, an added incentive for price-conscious borrowers. The special repayment option, limited to once a year, is somewhat more restrictive than some competitors, but the loan impresses with long terms of up to 120 months and straightforward online applications.

✓ Pros

  • ✓ Effective annual rate from 3.69% for good creditworthiness
  • ✓ Terms of up to 120 months available
  • ✓ Low-interest guarantee with €50 refund
  • ✓ No processing fee

✕ Cons

  • ✕ Special repayment possible only once a year
  • ✕ Special repayment capped at 50% of the remaining balance
  • ✕ Minimum employment duration of 6 months required
  • ✕ Rate can rise to 14.40% for weaker creditworthiness

Loan repayment calculator

1 000 EUR 65 000 EUR
12 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 3.69%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 3,69% (APRC — check the bank's current offer), the monthly instalment is approximately 449 EUR, and the estimated total amount payable is approximately 21 543 EUR (including interest: approx. 1 543 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.