Personal loan rates
Interest and terms at a glance
A personal loan gives you the flexibility to finance larger purchases or unforeseen costs conveniently and predictably. Here you will find the current interest rates for our personal loan, along with the relevant terms for loan durations and amounts.
| APR | 5,24% bis 6,99% p.a. |
| Fixed borrowing rate | 5,12% bis 6,78% p.a. |
| Net loan amounts | 3.000€ bis 50.000€ |
| Terms | 24 bis 84 Monate |
| Number of instalments | 24 bis 84 |
| Monthly instalments | 44,96€ bis 2.233,65€ |
| Total amounts payable | 3.216,45€ bis 61.961,76€ |
The 2/3 rate in detail
The table below shows how the current personal loan terms actually work out on a loan. It gives a 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 €23,000 and a term of 74 months.
| APR | 6,49% p.a. |
| Fixed borrowing rate | 6,30% p.a. |
| Net loan amount | 23.000€ |
| Term | 74 |
| Monthly instalment | 375,89€ |
| Total amount payable | 27.815,88€ |
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 personal rate depends on the timing, the loan amount and the term. Your individual creditworthiness, as shown by your SCHUFA credit report, is also decisive. We tell you the exact rate in the loan offer after you apply.
What does the 2/3 rate mean?
The 2/3 rate helps people considering a loan to judge its likely cost realistically, before they receive an offer from banks or comparison sites.
This rate sits between the lowest and the highest interest rate for a loan. Two thirds of customers are offered it or a better rate.
As a customer, the 2/3 rate lets you judge better what a loan will cost you and what offer you can expect. Our loan calculator uses this rate, for example, to work out the monthly instalment before the loan is applied for.
Loan and service topics
Prices and services
The list of free and chargeable services around your loan.
An attractive personal loan
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A simple loan application - how it works
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Downloads
You will find documents such as terms and conditions or special instructions here.
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