Loans
Digital lenders, banks, and fintechs offering consumer loans, personal loans, and small-ticket financing for all europe — ranked by real monthly cost. Change amount, duration, rate assumption, income, employment, or purpose and results update instantly.
Ranked results
Sorted by relevance, real outcome, speed, simplicity, and popularity. Payn compares published provider terms and estimated costs. Final eligibility and pricing stay with the provider.
Monthly
€216.90
Total repayable
€5,205.65
Interest paid
€205.65
APR
3.9%
Estimated from Klarna
Klarna
Klarna Flexible LoanBuy now, pay later pioneer offering flexible personal loans with instant decisions and no hidden fees across Nordic and DACH markets.
Why this is #1: It balances lower monthly cost with a cleaner approval path for the amount and term you entered.
Monthly
€216.90
N26
N26 Personal LoanFully digital personal loan from one of Europe's leading neobanks. Apply in minutes, receive funds within 24 hours.
Monthly
€218.24
Younited Credit
Younited Credit PlusDigital consumer lending focused on quick pre-checks, transparent repayments, and wider marketplace-style availability.
Monthly
€216.90
Raiffeisen Bank
Raiffeisen Flex LoanCentral European personal lending with clean monthly planning and stronger regional coverage for salaried borrowers.
Monthly
€218.91
ING
ING Personal LoanEstablished European bank offering competitive rates with the trust of a tier-1 banking institution. Ideal for larger borrowing amounts.
Monthly
€219.33
Cetelem
Cetelem Personal CreditConsumer-focused personal lending with fast digital pre-approval and broader retail-finance familiarity.
Monthly
€219.81
SEB
SEB Consumer LoanNordic bank lending for larger planned expenses with a stronger cross-border banking footprint.
Monthly
€218.91
Santander
Santander Consumer LoanMajor European bank with branch and digital access. Competitive rates for existing customers and strong multi-market presence.
Monthly
€220.25
Tink
Tink Lending RouteOpen-banking-led lending route used inside embedded-finance journeys where data-based affordability matters.
Monthly
€220.48
bunq
bunq Green LoanSustainability-focused neobank offering personal loans where a portion supports environmental initiatives. Fully mobile experience.
Monthly
€221.38
Cofidis
Cofidis Personal LoanDigital consumer lender with fast decisioning and smaller-balance personal borrowing across several EU markets.
Monthly
€221.60
Bank Norwegian
Bank Norwegian Flex LoanNordic digital lending with travel-linked customer familiarity and a straightforward online flow.
Monthly
€221.83
Creditea
Creditea Instant LoanApp-first revolving credit style personal borrowing for smaller needs and faster approvals.
Monthly
€228.19
Ferratum
Ferratum Prime LoanMobile-led consumer lending built around quicker approvals and smaller personal borrowing needs.
Monthly
€225.00
Monese
Monese Quick LoanDesigned for mobile banking users needing fast access to credit. Simple application for newcomers and expats in Europe.
Monthly
€228.19
How ranking works
What changes the ranking
Input changes immediately recalculate outcome, speed, and fit. Amount, term, country, corridor, currency pair, insurance type, coverage, deductible, and region all affect the list.
What to do next
Open details to understand tradeoffs inside Payn, then use the provider link when you are ready to continue outside the product.
Current lead tradeoff: Final approval and pricing still depend on local eligibility, income, and credit checks.
