Loan partner for private customers

When CreditPlus Bank AG got its present name in the year 2000, the Geldhaus had changed hands several times since its founding in 1960. Originally the company was founded in Stuttgart with the name “Teilzahlungs-Kredit-Bank Willy Wall” (TKB). Presumably it was the emerging prosperity in the still relatively young Federal Republic, which ensures a higher demand for consumer credit. TKB was known primarily for financing in the automotive sector.

After the bank was bought in the 1970s by a US bank and merged in 1987 with the Munich-based Kredit-Bank AG, the bank now called BFK-Kreditbank took over an Offenbacher money house and renamed as Beneficial Bank AG.

In 1997, the company eventually became one of the first in Germany to lend online. After a takeover by CA Consumer Finance from France and its takeover in 2000 by the French Crédit Agricole, the former TKB today is called CreditPlus Bank AG.

More than 570 employees work at the company headquarters in Stuttgart as well as in 16 branches in Germany. The balance sheet total of the financial services specialist was almost 2.9 billion euros in 2014. The bank is a member of the Bundesverband deutscher Banken eV

Loan partner for private customers

CreditPlus Bank is best known in Germany for cheap consumer credit. A large part of the banking business is handled online. However, customers also have the opportunity to seek local advice in a branch or in their own home. In addition to credit products, the bank also introduced time deposit accounts in 2012, which promise attractive rates to private customers.

CreditPlus instant loan

 CreditPlus instant loan

The SofortKredit is a popular product of this provider. Thus, purchases without earmarking up to a total of 70,000 euros can be financed cheaply. At the same time, more expensive loans can be replaced. CreditPlus Bank is a member of the German Banking Association. As such, it is required to comply with all rules established by the Association for responsible lending.

loan amount 1,000 to 70,000 euros
running time 12 to 84 months
interest rate Credit-dependent interest
earmarking No
Good to know Toll-free special repayments, residual debt insurance optional, also rescheduling an existing loan with another bank possible
requirements
  • Residence in Germany
  • majority
  • Regular salary
  • For at least three months with the same employer and outside the probationary period
  • Positive Schufa information
  • Not intended for the self-employed

The application for an instant loan with CreditPlus Bank can be started online.

  1. Calculate your credit online
    With the help of the loan calculator, you can quickly determine your monthly exposure based on the loan amount and the desired term. With this data you continue with the application.
  2. Personal Information
    In the next section, you must enter information about yourself such as name, address and occupation in the online form. Then print the completed application.
  3. Perform the postident procedure
    If you are a new customer, you have to legitimize yourself once. To do this, take the printed Postident coupon and find a post office near you. After the legitimization, you send all documents by post to CreditPlus Bank.
  4. paying out
    After the financial institution has checked all documentation and approved your loan application, the net loan amount will be transferred to your account immediately. Therefore, the name also touches as instant loan.

CreditPlus takes care of debt restructuring

If you want to repay an existing loan or you want to balance the prepayment credit of your checking account, you can have the whole transaction cleared by CreditPlus. For this you should contact the service provider directly.

The FinanceScout24 Best Rate Guarantee

Cheaper it is not

We always find the cheapest loan for you! We are convinced of that and therefore offer you our best interest guarantee.

The loan comparison on financescout24.de is an offer of FFG FINANZCHECK Finanzportale GmbH (hereinafter referred to as FINANZCHECK). Should you actually receive a lower effective annual interest rate from another installer via FINANZCHECK, FINANZCHECK will reimburse you the interest rate differential, but not more than EUR 750.

 

FINANCIAL CHECK Best interest guarantee conditions:

  • The offer of a competing contract must be binding and the details of the credit applicant / s as well as the contractually defined services (eg loan amount, term) must be identical to the one we have arranged and disbursed.
  • The competing contract offer must be from the same bank as the loan brokered and disbursed by us.
  • The competing offer was made no later than two weeks after the conclusion of the loan we brokered.
  • Dealer, manufacturer and special conditions as well as mortgage loans are excluded from the guarantee.
  • The best interest guarantee applies to loan amounts of € 1,000 – € 50,000 and a term of 12 – 84 months.
  • The loan brokered by us will not be revoked by you within the contractual withdrawal period.

 

If you have been offered a lower rate of interest outside of the FINANZCHECK credit comparison and the above conditions are met, then please send a bank statement showing the payment of the first monthly installment of the loan we have brokered together with a full copy of the competitive offer to the address below. Please note that the documents must be received by us no later than four weeks after the expiry of the revocation period (or if the first installment has not been debited to date, at the latest four weeks after deduction of the first installment) of the loan arranged by us. We will review your records and contact you as soon as possible. Please do not forget to include your bank details so that we can pay you the interest difference.

car loan

car loan

While SofortKredit has no earmarking, this loan is dependent on a car purchase. However, it does not matter for lending whether you want to buy a new or used car. The car loan can be applied for before the actual car purchase, to receive attractive discounts with a cash purchase at the dealer.

loan amount 5,000 to 50,000 euros
running time 36 to 84 months
interest rate Credit-dependent interest
earmarking Car purchase (new or used cars)
Good to know Toll-free special repayments possible; Rate break possible after consultation with customer advisor; Two borrowers can apply
requirements
  • Residence in Germany
  • majority
  • Regular salary
  • For at least three months with the same employer and outside the probationary period
  • Positive Schufa information

Cleverly shorten the runtime

 

If you do not need the full net loan amount for your car purchase, you can immediately use the remaining money to repay the loan. Depending on the amount of this sum, the term of your car loan can be significantly reduced.

 

officials credit

 officials credit

With the official loan, CreditPlus Bank offers civil servants and public servants a particularly attractive loan offer, as it is characterized by very long terms and favorable installments as well as more flexible repayment options.

loan amount 1,000 to 70,000 euros
running time 12 to 120 months
interest rate Credit-dependent interest
earmarking No
Good to know Toll-free special repayments, residual debt insurance optional; also rescheduling an existing loan with another bank possible; Rate break after consultation with a consultant possible; Credit amount will be transferred to the reference account after a positive decision by Sofortüberweisung
requirements
  • Residence in Germany
  • majority
  • Employed in public service or civil service
  • Positive Schufa information

The official loan, like the other credit products of this provider, can also be applied for online. The professional status is checked via the attached salary statements.

More offers

If you want to invest money, you can use the fixed-term offers of CreditPlus Bank. The deposits of the provider are hedged by the deposit protection fund of the Federal Association of German Banks. This financial product offers attractive interest rates especially for very wealthy clients and also short terms of a quarter of a year. The following criteria apply to the free deposit account:

  • Minimum deposit: 5,000 euros
  • Maximum deposit: 1,000,000 euros
  • Interest rate: Fixed over the entire term
  • Duration: 3 to 84 months
  • Interest distribution: Annually
 

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Is it worthwhile to take out loans with insurance?

Is it worthwhile to take out loans with insurance?

We have assumed that at the time of requesting loans, in addition to committing ourselves to the payment of the fees, in many cases we will also have to face the cost of the associated insurance, but as indicated in article 5.2.e of Law 26/2006 of Insurance mediation, the hiring of any insurance should be a free and optional decision of the client and not mandatory, as happens when we want to apply for loans in the bank.

 

 

 

Is it a good idea to accept the insurance of the loans?

Is it a good idea to accept the insurance of the loans?

The latest news on financing announces reductions in the interest rates of the loans, but with the condition of having a greater link with the entity through the contracting of several insurance, such as life or home, but before accepting The conditions proposed by the bank, we must ask ourselves if it really will be worth it . Insurance has been created to deal with sensitive or risky situations and not as a tool for linking with banks, therefore, we must choose them head-on and responsibly.

It is clear that having insurance is very useful when facing setbacks because it increases the chances of successfully facing a problem. To make sure we have chosen the most appropriate one, we should not settle for the first offer simply because we are getting the loan we need as soon as possible, there are entities that offer financing without requiring the hiring of other related products.

The economic instability that we are living has left millions of people without sufficient resources to meet their banking commitments, so it is advisable not to have too much connection with an entity because if we have several contracts with the bank and suddenly we stop being solvent, we will have many more difficulties to face our obligations. When we look for a loan we must focus on the benefits of it and hire the one that requires fewer links. If what we need is insurance, it is best to do it with an expert who can carry out a previous study on our profile to offer us a custom insurance that covers our needs and is profitable at a quality-price level.

5 loans that do not require contracting insurance

Not all banks request the purchase of insurance to guarantee the bonding of their clients, so, if you are thinking of applying for financing, this is your opportunity to find out which entities grant loans with the minimum amount and who offer the most interest rates. low:

Entity Advantage TAE I’m interested
Credit Cofidis Up to € 6,000 to be repaid in 41 months
No study fees
Instant response
Admission in 24 hours after approval
24.51% Contact
Project Cofidis loan Up to € 15,000 to be repaid in 72 months
No study fees
Immediate response
Optional insurance to cover the fees
from 6.49% up to 20.55% Contact
Orange Loan
ING Direct
Up to € 40,000 to be repaid in 84 months
Does not require direct debit of payroll
Answer in a few minutes
No paperwork
7.18% Contact
24 hours Auto Loan
ABANCA
Up to € 50,000 to return in 96 months
No study or cancellation fees
Admission in 24 hours after receiving the documentation
Optional insurance with bonus
Draw for a trip to New Zealand for 15 days for 2 people
10.05% Contact
Auto Loan
Santander
Up to € 90,000 to return in 96 months
Opening commission financed
7.06% Contact

 

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