I need a loan
Compare loans — see what each one really costs.
Same €10,000 loan over 36 months can cost €630 in interest at one lender and €440 at another. APR is a starting point; what matters is the total you pay back. We show both.
Quick check
What are you borrowing?
Top picks for you
Each pick shows what you get, what you'd save, and the catch — so you can decide without reading the small print.
1. · USUALLY CHEAPEST IN DE
Smava Personal Loan
What it gives you
- From 2.99% APR for strong credit profiles in Germany
- Loan amounts €500 - €120,000
- Soft credit check first — doesn't dent your credit score
- Fixed monthly payment, no early-repayment fee
The catch
The lowest APR (2.99%) is offer-of-the-week pricing for borrowers with very strong credit history. Average accepted rate is closer to 5-7%. Germany only.
2. · GOOD FOR THIN CREDIT FILES
Younited Credit
What it gives you
- From 3.9% APR, EU-wide (FR, IT, ES, PT, DE)
- Decision in minutes, money in 1-2 days
- Open to applicants without long credit history
- Repayment 12-84 months
The catch
The 3.9% rate is for very strong files. Most accepted rates fall between 5% and 11%. Younited is fintech-based, no physical branches if you want a person to talk to.
3. · FASTEST APPROVAL
Klarna Flexible Loan
What it gives you
- 3.9-11.9% APR, money in account same-day
- Loan €500 - €50,000
- Soft credit check, no fee for early repayment
- Available in DE / SE / FI / NO
The catch
Klarna's main brand is Buy-Now-Pay-Later; this is a separate personal-loan product. Best rates require a strong DACH/Nordic credit file. Not the cheapest, but the fastest by far.
Why these
These three are the most-applied-for personal loans across the catalogue with verified live APRs as of May 25, 2026. Smava aggregates Germany's bank market and tends to win on price for strong files. Younited covers more EU countries and is more forgiving on thin credit. Klarna optimises for speed. Always check your rate with a soft pull on at least two of them before signing — the gap between best and average rate inside the same lender can be 4-7 percentage points.