Practical guide

Loans in Germany — zero broker commission

General information · Documents to prepare

We help you prepare your loan application. We do not charge you a commission for arranging it.

Important to know

Zero broker commission does not mean an interest-free loan. Interest and any bank charges are set out in the offer. The bank decides on approval, amount and terms.

Personal loans

For personal expenses, home improvements or purchases. We discuss your needs and a manageable monthly repayment.

Car loans

For buying a vehicle. Depending on the product, the bank may request a purchase offer and vehicle documents.

Refinancing and consolidation

For replacing existing loans. Compare the remaining balance, any early repayment costs and the total repayable amount. A lower monthly payment does not automatically mean a lower overall cost.

Documents and information to prepare

  • ID card or passport
  • Anmeldung (proof of registered address)
  • The last 3 payslips
  • Bank statements for the last 3 months

If applicable:

  • Existing financial commitments (repayment schedule for an existing loan)

This guide provides general information. The institution or provider may request additional documents depending on your circumstances.

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