Requirements for your personal and car loan

There are only a few requirements for applying for our personal and car loans. On this page you will find out which criteria matter for the loan application and the payout. We set out clearly and transparently what counts, so your loan application can be processed smoothly and quickly.

Personal requirements

You have been employed by your current employer for at least six months, are in training, or are retired.
You have a current account in the SEPA area into which your salary is paid.
Your residence or usual place of stay is in Germany.

Vehicle requirements

No motorcycles, trikes or quad bikes
No classic cars or collectors' items, and vehicles more than 10 years old
No vehicles with an above-average purchase price from the high-end segment (e.g. Bentley, Ferrari, Maserati, Bugatti, Lamborghini, Maybach, Rolls-Royce)
No vehicles used commercially
For new cars: If your car's delivery date is further in the future, or the delivery date is not yet known, we recommend our personal loan instead.
Please note that you can finance only one vehicle per DKB car loan. A maximum of three simultaneous financings per person is possible.

Documents required

A printed and signed loan application
A signed SEPA direct debit mandate
For employees: a copy/photo of each of your last 3 proofs of income
For pensioners: a copy/photo of your current pension notice

If on parental leave: a copy/photo of your current parental allowance notice
A current, unbroken account statement covering 4 weeks showing the account holder, IBAN and salary payment, as a copy or photo
For a joint application: the documents listed above from both applicants

Taking out your loan is this easy

After the loan application you receive your individual loan agreement to sign.
Thanks to the digital account check in the loan application, you usually do not have to submit any supporting documents - the relevant information is captured digitally.
You identify yourself by video identification or, alternatively, by PostIdent, and sign the agreement digitally with a click or in the traditional way on paper. With a digital signature we have the agreement for review immediately; otherwise you send it back to us by post.