Car loan rates
Interest and terms at a glance
With the DKB car loan you can make the dream of your own vehicle a reality quickly and reliably. Our transparent, fair terms help make sure there are no unpleasant surprises later. On this page you will find all the relevant car loan terms, with information about loan amounts, durations and interest rates.
| APR | 5,19% bis 6,29% p.a. |
| Fixed borrowing rate | 5,07% bis 6,12% p.a. |
| Net loan amounts | 3.000€ bis 50.000€ |
| Terms | 24 bis 84 Monate |
| Number of instalments | 24 bis 84 |
| Monthly instalments | 44,00€ bis 2.218,74€ |
| Total amounts payable | 3.194,98€ bis 61.396,21€ |
The 2/3 rate in detail
The table below shows how the current car loan terms actually work out on a loan. It gives the worked example using what is known as the 2/3 rate, which at least 2/3 of our customers receive or better. The example is based on a loan amount of €20,000 and a term of 69 months.
| APR | 5,49% p.a. |
| Fixed borrowing rate | 5,36% p.a. |
| Net loan amount | 20.000€ |
| Term | 69 months |
| Monthly instalment | 337,45€ |
| Total amount payable | 23.284,34€ |
Example calculation using the 2/3 rate
What interest rate will I get?
Like many other banks, DKB uses a rate based on creditworthiness for its loan products. Your individual rate depends not only on when you take the loan out, the amount and the term you want, but is based largely on your individual creditworthiness as shown by your SCHUFA credit report. You receive your personal rate together with our loan offer, straight after you apply.
What does the 2/3 rate mean?
The 2/3 rate exists so that people considering a loan can find out realistically what it might cost, at banks and comparison sites, before they get a loan offer. This rate sits between the minimum and maximum interest rate for a loan, and 2/3 of customers are actually offered it or better.
As a customer, the 2/3 rate lets you judge far more clearly in advance what a loan will cost you and what offer you can expect. Our loan calculator, for instance, uses the 2/3 rate to work out the monthly instalment before you apply.
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