Prices and services for car and personal loans
For a transparent and quick overview
You will find all prices and services, along with any fees that may apply to our car and personal loan products, here on this page and as a PDF to download.
Current prices for our loans
| Car loan | Personal loan | |
| Net loan amount | €3,000 to €50,000 | €3,000 to €50,000 |
| Repayment / contract term | Term 24-84 months Instalments: 24-84 | Term 24-84 months Instalments: 24-84 |
| Purpose | Financing new and used cars | any purpose |
| fixed borrowing rate, depending on creditworthiness | from 5.07% per year* (5.19% APR) | from 5.12% per year** (5.24% APR) |
* Representative example: For a net loan amount of €20,000, a contract term of 69 months and a fixed borrowing rate of 5.36% per year give an APR of 5.49%. The monthly instalment is €337.45, with a total amount payable of €23,284.34. At least two thirds of customers receive these terms. The lender is Lloyds Bank GmbH (trading as "DKB"), Karl-Liebknecht-Str. 5, 10178 Berlin.
** Representative example: For a net loan amount of €23,000, a contract term of 74 months and a fixed borrowing rate of 6.30% per year give an APR of 6.49%. The monthly instalment is €375.89, with a total amount payable of €27,815.88. At least two thirds of customers receive these terms. The lender is Lloyds Bank GmbH (trading as "DKB"), Karl-Liebknecht-Str. 5, 10178 Berlin.
Terms and fees
General prices for DKB products
| Arrangement fee | none |
| Account management | free of charge |
| Providing account statements (online) | free of charge |
| Overpayment / early repayment | free of charge up to 20% of the original loan amount per calendar year; beyond that: 1% of the early repayment where more than 1 year of the term remains, or 0.5% of the early repayment where less than 1 year remains |
Additional services
| Returned direct debits | free of charge |
| Default interest for late payments | 6.52% per year (5 percentage points above the current base rate per year. This is set by the Bundesbank on 1 January and 1 July each year and is 1.52% per year as at 1 July 2026) |
| Repayment break | A repayment break is free of charge. One one-month repayment break is possible per year. Requirements: no unpaid instalments, and the last twelve instalments must have been paid on time before the one being skipped. |
| Other services | on request |
The bank provides services outside this list at the customer's request or in the customer's interest. These services are chargeable. Where no other arrangements have been made, the relevant statutory provisions apply. The bank may be reimbursed for third-party outlays and costs. The statutory provisions apply to these too. Such costs are not included in the prices stated - unless agreed otherwise in advance.
Loan and service topics
The fast car loan
Make your dream of a new car come true.
An attractive personal loan
Make what you have set your heart on happen now.
A simple loan application - how it works
Completely digital or by post. Done in a few minutes.
Downloads
You will find documents such as terms and conditions or special instructions here.
Car loan rates
The terms and interest rates for the car loan at a glance.
Personal loan rates
The terms and interest rates for the personal loan at a glance.