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Mon. Until fr. 8:00 – 18:00
- Simple, fair and flexible
- More favorable& fixed interest rate with interest rate fairness promise
- repayment possible at any time
Our interest ratefairtalk
Our interest rates are calculated independently of creditworthiness – every customer receives the same fixed interest rate for the selected combination of term and loan amount. That means, with us you will find out your actual, final interest rate directly in the credit offer. Without any additional costs.
Green competence
We are the experts in green money and sustainable environmental projects.
Favorable fixed interest rate
Secure an interest rate independent of creditworthiness for your ecological project.
Very uncomplicated
finance your wishes free of kfw requirements and other subsidy models.
Mobility without emissions
Classic burners currently still dominate our roads. However, if you decide to buy an electric car, you are already using the mobile mode of transport of the future today. Although the government subsidizes e-cars with a premium, the vehicles are still comparatively expensive. But don’t worry, we’ll support you on your way to a climate-friendly vehicle: our sustainable environmental wish loan is also designed for financing e-mobility.
In addition to cars and motorcycles of course, you can also finance a project with our low-cost fixed-rate loan E-bike, pedelec or cargo bike. And they just add the money for the charging station on top of that. Calculate your interest rate now without obligation and apply for the loan easily online. We take care of everything else for you.
Everything you need to know about financing your e-mobility
Frequently asked questions about financing your electric vehicle
the loan is suitable for financing electric cars, motorcycles, bicycles as well as electric pedelecs and cargo bikes. All vehicles must be registered in germany. In addition, you can also finance charging devices such as a wallbox, underground cables, electricity meters or fuse boxes. Note that the minimum loan amount is 10.000 euro.
A redemption or rescheduling of existing loans or leasing contracts is unfortunately not possible. even follow-up financing for existing car financing (balloon loan) is not feasible with the environmental wish loan.
Yes, you can also finance an e-bike with the environmental wish loan. electric pedelecs and cargo bikes can also be financed. However, the electric bike must be registered in germany.
This is possible. the federal government’s environmental bonus applies independently of our financing. Even if you only receive the premium after we have paid out the loan, that’s no problem: you can pay it in to us as a free unscheduled repayment and thus reduce your remaining debt. You can also use other regional funding programs in addition to the umweltbank loan.
Unfortunately this is not possible. A follow-up financing, also in the form of a balloon loan, is not available with our electromobility loan.
Yes, you can finance the accessories you need with the environmental wish loan. simply increase your loan amount in the loan application accordingly by the costs incurred for this purpose.
No, the dealer does not find out. You can act as a cash payer, as we transfer the money directly to your account.
No, you don’t need to take out any other product with the environmental bank, neither insurance nor any other account. the loan amount is transferred to your existing reference account.
Our interest ratefairspeak
Our interest rates are calculated independently of creditworthiness – each customer receives the same fixed interest rate for the selected combination of term and loan amount. This means that you will find out your actual, final interest rate directly in the loan offer. Without any additional costs.
Your path to electromobility
How to apply for the loan
Calculate desired credit online
You enter the desired loan amount and repayment period in our online calculator and receive the corresponding loan conditions directly.
Send online application
With just a few clicks you send us your loan application and relevant documents. Please have current proof of salary ready for this purpose.
appraisal by the umweltbank
We look at your loan request, discuss the further procedure with you by telephone and send you an offer at short notice.
contract
You confirm your personal credit offer, send us an invoice or order confirmation as proof of use and receive the loan amount directly to your account.
Good reasons for choosing the umweltbank
Our
interest ratefair-
speak
We are happy to!
Mo. Up to fr. 08:00 – 18:00
General questions about the loan
You can submit your application online with just a few clicks. You will then receive a credit offer from us by post, which you only need to confirm in writing.
With the environmental wish credit you can realize ecological projects in the following areas: ecological building measures, tiny houses, photovoltaic systems and electromobility.
you determine the speed of your loan repayment yourself. The repayment period for the environmental wish loan can be freely selected in 12-month increments for up to 120 months.
if we have the signed loan agreement, your post-identity and an invoice/order confirmation for your project, the money will usually be on your current account within 1-2 working days.
the environmental wish credit can be used for credits in the amount of 10.000 to 100.000 euro can be applied for.
It goes without saying that the data is sent to us in encrypted form and that we comply with all the requirements of the German Data Protection Regulation (DSGVO).
The prepayment penalty is due if you, as the borrower, repay your loan early or terminate the loan agreement. The calculation is regulated by law and takes into account
– an interest rate that has fallen in the meantime,
– the payment flows originally agreed for the credit
– the profit lost by the umweltbank,
– risk and administrative costs saved as a result of early repayment.
As a general rule, the calculated early repayment penalty may not exceed one percent of the remaining debt – i.e., the amount repaid early. If the remaining term of the loan is less than one year, the amount may not exceed half a percent of the remaining debt (§ 502 BGB).
In the contract for your environmental loan, we grant you free repayment of the current remaining debt at any time, in deviation from the statutory regulations.
the target interest rate is based on your project and the desired repayment period and not on your creditworthiness – this is our fair interest rate to you. Only the ecological value of the project counts for the environmental wish loan!
You can apply for more than one loan for more than one project. Have. However, we check your personal creditworthiness and the intended use again for each new application.
the statutory revocation periods/rights for general consumer loans and distance selling transactions apply.
The target interest rate and your chosen monthly rate remain the same for the entire term of the loan.
no additional loan collateral needs to be provided for the environmental wish loan outside of the general terms and conditions for liens.
As part of the credit check, your data will be retrieved and viewed by SCHUFA. For this, you must give us explicit permission during the application process.
If a rate cannot be redeemed, we will inform you in writing and ask for compensation. If you are no longer able to pay the installments in the long term, please contact us immediately and we will try to find an individual solution with you, such as rescheduling or extending the term of the loan.
The reference bank account for the environmental loan must be an account that receives wage and salary payments and is approved for payment transactions. Your environmental flex account can therefore not be used for this purpose.
As an environmental bank, our priority is ecological investment, so the environmental wish loan cannot be used to pay off existing loans. Even if the old loan was used to finance ecological projects, the investment has already been made.
After repayment of your environmental wish credit, you will receive written confirmation of this and a final account statement. The loan account is closed in this case. And with the funds that are now available again each month, you could take out an environmental savings plan or use a new environmental wish loan to implement a new wish project.
Unfortunately no. However, almost any fully electric vehicle, from e-bikes, cargo bikes and e-motorcycles to e-cars, can be financed with the environmentally desirable loan.