Sparkasse
German savings bank group serving retail customers and local businesses.
Loans for the home, business, personal projects, studies, renovation, vehicles and everyday purchases, plus investment solutions — each with its own rate, term and conditions.
A fixed-rate loan for your plans, with an answer in principle within 24 hours.
Amounts from €1,500 to €75,000, repayable over 12 to 84 months.
Buy, build or renovate your home, with a rate secured before you sign.
Amounts from €50,000 to €1,200,000, repayable over 5 to 30 years.
A new or used vehicle, its equipment and the costs that come with it.
Amounts from €3,000 to €90,000, repayable over 12 to 96 months.
Equipment, stock and growth for companies and the self-employed.
Amounts from €10,000 to €2,000,000, repayable over 12 to 120 months.
Fund your studies, with repayment deferred until you start working.
Amounts from €1,000 to €60,000, repayable over 12 to 120 months.
Renovate, extend or improve the energy performance of your home.
Amounts from €2,000 to €150,000, repayable over 12 to 180 months.
An everyday purchase or a personal project, repaid at a fixed rate suited to your budget.
Amounts from €300 to €50,000, repayable over 6 to 72 months.
Put your savings to work over a chosen horizon, with the fees and the risks stated in advance.
Amounts from €4,000 to €1,000,000. Capital is not guaranteed.
Our advisers help you choose the right loan, prepare the file and follow it through to payout.
Mortgage Loan
"Thanks to their clear advice, I obtained my mortgage at a rate I could actually afford. A real relief!"
Business Loan
"The loan paid for the new equipment in my restaurant. The funds were released in ten days."
Personal Loan
"A personal loan covered the fitting out of our practice, without touching our savings."
Student Loan
"My student loan covered three years of tuition, and repayment only began once I was working."
Home Improvement Loan
"The funds paid for the insulation and the new heating. The monthly instalment is below our old energy bills."
The growth of our loan portfolio and the satisfaction of the borrowers we support, in figures.
Four simple commitments that guide every loan we grant.
We support every project with personal, tailored attention, from the first contact to the final decision.
We guarantee fair access to credit for everyone, with clear criteria and total transparency.
We back projects that transform communities and build a lasting, sustainable future.
We encourage creative solutions to meet tomorrow's financial and social challenges.
Banks and financial institutions that finance our clients' projects alongside our own loans.
German savings bank group serving retail customers and local businesses.
Belgian bank supporting local and sustainable projects.
German central institution of the cooperative banks.
German bank supporting businesses and SMEs.
International bank financing projects worldwide.
German direct bank serving retail and business customers.
International bank offering retail, business and wholesale banking.
Austrian banking group with a wide network across Central and Eastern Europe.
The essentials before applying — the complete list is on our FAQ page.