Apply for a loan in Germany
This is an informational checklist. Each provider has its own process, requirements, and decision rules.
Typical steps
- Choose a provider and estimate a realistic monthly payment.
- Submit basic personal details and income information.
- Complete identity verification (provider-specific).
- Review the offer (APR, fees, total cost, early repayment rules).
- Accept the contract only if the repayment fits your budget.
Common documents
- ID document and current address
- Proof of income (payslips / statements, depending on provider)
- Bank account details
Responsible lending: Borrow only what you can repay. Compare total cost and make sure the monthly rate is sustainable.