Your way to optimal installment credit

Installment loans are like sand by the sea – but which is the cheapest? We select the best offer for you and show you in a consultation the optimal solution for your project.

Small installments instead of long wait.

Free offers
Over 25 banks in comparison
Excellent advice

Representative example according to §6a PAngV:
Loan amount: 10,000 €,
Running time: 84 months,
annual percentage rate: 3.78% p.a.,
fixed borrowing rate: 3.72% p.a,
€ 231.40 commission (takes over bank),
Total loan amount € 11,373.85,
In general. Product Information:
Maturities 24-84 months,
annual percentage rate: 1.99% p.a. up to 4.85%

First class: The installment loan via Dr. med. Small

If you value special service and guaranteed low interest rates for your installment loan, then you’ve come to the right place: this is proven by numerous wins and podium finishes by Dr. Ing. Small in tests of renowned institutes.

Whether installment loan, car loan, re-debt, energy or civil servant loans: You can easily secure your favorable financing online with our loan application. We compare for you the interest rates of all relevant providers and make you a non-binding proposal for optimal conditions. Benefit now from our first-class advice from our specialists in installment loans.

Effective Interest Rates and Debit Interest: Why Comparing Installment Loans Is Not Always Easy

The current loan conditions are dependent on the desired loan amount and the term of the installment loan. In principle, the longer the term, the lower the monthly burden. However, the key factor in making a installment loan is the interest rate at which the bank lends you the money. This represents, so to speak, the remuneration that you pay as a borrower for the borrowed money. The so-called “debit interest” remains constant over the entire term. However, the reference interest rate is not suitable as a comparison criterion for an installment loan because it does not include all the borrowing costs.

The effective interest takes into account, in contrast to the borrowing rate, other factors that determine the cost of an installment loan. In addition to the debit interest, it includes interest settlement dates and payment rates. Since May 2014, processing fees for credit agreements are not allowed.

Using the effective interest rate, you can compare installment loans with the same duration if all price-determining factors are identical except for the debit interest.

However, the comparison is made more difficult by a number of other costs that are not reflected in the effective interest rate. Therefore, in addition to the effective interest rate, we recommend that you thoroughly examine the other costs for the installment loan that you have requested and contact our experienced specialists for installment credit. We are happy to advise you and will definitely find the cheapest deal for you.

Credit rating determines the cost of the installment loan

The offer for an installment loan varies depending on the creditworthiness of the applicant. Your credit rating informs the bank about your solvency. It is determined by private credit bureaus such as SCHUFA. Your personal credit score includes a variety of factors, such as existing financial burdens, your assets, family and housing situation or your professional background. Based on these points, the SCHUFA creates your credit score, which states how risky it is for the bank to grant you a loan. With a good credit rating, the installment loan offer will be cheaper than a bad credit rating, as the bank has a lower risk of default.

The best installment loan can be found with Dr. med. Small

Would you like help in finding a suitable installment loan? Our specialists for installment loans compare the various loan offers for you free of charge and without obligation and thus find the ideal offer for you. Simply contact one of our local consultants – we will be there for you in person, by telephone or by e-mail.

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