For everyone in Germany — locals & expats
Financing made simple & easy.
Move the sliders and see what a German loan actually costs — live market rates from the Bundesbank, updated monthly. No sign-up, nothing to fill in.
✓No check on your credit record
✓Free for you
✓No sign-up needed
Build your loan
Measured as consumer credit — the Bundesbank has no separate car-loan series.
How much?€3,000 – €100,000
Over how long?6 mo – 360 mo
Your monthly payment
€489/mo
€20,000 over 48 months
Effective annual rate
8.52%
incl. fees (APRC)
Nominal rate
8.10%
interest only — the schedule below
Total interest
€3,481
Total repayment
€23,481
Fees add 0.42 pp on top of the nominal rate. They sit in the effective rate, not in the instalment above.
This is the market average, not your rate
Based on what German banks actually charged in 2026-05, published by the Deutsche Bundesbank. Lenders price every applicant differently — with a strong profile you may be offered less, and personalised campaigns can go lower still.
Where the rate comes fromThe rate after inflation
Free · no sign-up · about a minute
Looking here never touches your credit record
Comparing rates on finmela leaves no mark on your German credit record. It's free, needs no sign-up, and you only decide once you've seen the real numbers.
How it works
1
Tell us three things
Amount, term and purpose. That is the whole form.
2
See the real market rate
Live Bundesbank figures for exactly that kind of loan, updated monthly.
3
Know the cost before you ask
Your monthly payment, the total interest, and where today sits in the rate cycle.