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Calculate the savings of your debt consolidation loan

With our debt consolidation calculator, you can calculate potential savings when refinancing your loan. Compare the terms of your current loan with those of a new debt consolidation loan. Enter the remaining term, effective annual interest rate and monthly installment of your current loan into the calculator to determine the remaining debt. By entering a new interest rate, you can see how refinancing could affect the loan costs and monthly installment. The actual effective interest rate of a debt consolidation loan depends on personal and financial circumstances. The calculator provides an initial orientation. For specific offers for loan consolidation, use our online application.
Bestehender Kredit
9.573,54
Monate
% p.a.
Neuer Umschuldungskredit
Monate
% p.a.
284,78
Ergebnis
Bestehender Kredit
300,00
10.800,00
Kredit nach Umschuldung
284,78
10.252,20
Durch Umschuldung eingespart:
547,80

Overdraft debt from last Christmas?
According to a representative survey by smava (11/2023), almost one in four Germans does not rule out “holiday expenses entirely or partially on credit”. Instead of particularly expensive installments on credit cards, overdrafts or so-called buy now, pay later offers, refinancing to a cheaper installment loan can often be worthwhile. You can find more information here.

Online Kredit Umschuldung in 3 einfachen Schritten

Laufende Kredite prüfen

First, check your current loan that you want to refinance or all existing loans that you want to combine. To do this, look at the relevant contract documents. Get an overview of the existing interest costs, the outstanding loan amount and the remaining contract term. It is also important what agreement you have made with your lender regarding early repayment. In some cases, an early repayment penalty is required for this. Once you have all the information, simply start the loan comparison. Within a few minutes, you will receive an individual offer overview with suitable debt consolidation loans.

Enter data & compare debt consolidation loans

First, we need some information about your loan request. It is important that you specify debt consolidation as the specific purpose. This is the only way the bank can understand that you do not want to take out an additional loan. In the next step, you provide information about yourself, your income and your employment status. You will then receive your personal loan offers, which you can compare with each other. So that you can find the best bank for your debt consolidation, pay particular attention to the effective annual interest rate when comparing. This indicates how high the total annual costs for your loan are.

Cancel old loan & take out new loan

If you have decided on a debt consolidation loan, you can apply for it conveniently online. You send the bank the signed loan agreement together with all the necessary documents. To conclude the agreement, you conveniently confirm your identity to the lender using the video identification process. In some cases, you will also need a confirmation of redemption from the bank of your old loan. If your new lender offers a loan change, they will contact your old lender to complete the process. Otherwise, simply cancel yourself.

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binding loan request

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offers

Conclude a loan
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Video: So werden Sie teure Zinsen los

Our credit expert Jason Raasch explains in our new explanatory video series on YouTube how you can save on a car loan. This is how you can:

Your advantages with debt restructuring

Balloon financing

With balloon financing, you initially pay back the loan in equal monthly installments. In most cases, no or only a very small down payment is made with a balloon loan. At the end of the contract term, there is a remaining amount that corresponds to the residual value of the car. The car buyer is therefore required to pay for a final installation. Balloon financing is therefore also known as a car loan with a final installation. The big advantage is the relatively low monthly installations. However, a remaining amount must be paid at the end of the contract term.

3-way financing

With 3-way financing, you have various options at the end of the loan term. The first option is to pay a final installment, as described under „balloon financing“. The second option is to return the vehicle to the dealer to pay off the remaining debt. The third and final option for continuing to finance the car is follow-up financing. 3-way financing is therefore particularly suitable if you are not yet sure whether you want to keep the vehicle at the end or not.

Balloon financing

With balloon financing, you initially pay back the loan in equal monthly installments. In most cases, no or only a very small down payment is made with a balloon loan. At the end of the contract term, there is a remaining amount that corresponds to the residual value of the car. The car buyer is therefore required to pay for a final installation. Balloon financing is therefore also known as a car loan with a final installation. The big advantage is the relatively low monthly installations. However, a remaining amount must be paid at the end of the contract term.

3-way financing

With 3-way financing, you have various options at the end of the loan term. The first option is to pay a final installment, as described under „balloon financing“. The second option is to return the vehicle to the dealer to pay off the remaining debt. The third and final option for continuing to finance the car is follow-up financing. 3-way financing is therefore particularly suitable if you are not yet sure whether you want to keep the vehicle at the end or not.

Especially when you are in financial difficulties, it is important to get the loan amount paid out quickly. With an online instant loan, you can complete all the necessary steps up to the loan conclusion online. This means that your loan application is reviewed particularly quickly and if you are approved, the money is transferred directly to your account. This means you do not have to use the expensive overdraft facility offered by your bank.


Quang Dung Ta Specialist for installment loans and banking products

risikien-kredit-mit-schlussrate

Fast legitimation thanks to video identification process

To confirm your identity to the lender and complete the loan application, you can use the video identification process. With this identification option, you simply confirm your identity using the camera on your computer, tablet or smartphone. To do this, you need a stable internet connection and your valid ID card or passport. Alternatively, you can also use the post identification process and identify yourself with all documents and the post identification coupon at a post office. If the loan is approved, the payment is made immediately.

In these cases, refinancing a loan makes sense

Balloon financing

With balloon financing, you initially pay back the loan in equal monthly installments. In most cases, no or only a very small down payment is made with a balloon loan. At the end of the contract term, there is a remaining amount that corresponds to the residual value of the car. The car buyer is therefore required to pay for a final installation. Balloon financing is therefore also known as a car loan with a final installation. The big advantage is the relatively low monthly installations. However, a remaining amount must be paid at the end of the contract term.

3-way financing

With 3-way financing, you have various options at the end of the loan term. The first option is to pay a final installment, as described under „balloon financing“. The second option is to return the vehicle to the dealer to pay off the remaining debt. The third and final option for continuing to finance the car is follow-up financing. 3-way financing is therefore particularly suitable if you are not yet sure whether you want to keep the vehicle at the end or not.

Balloon financing

With balloon financing, you initially pay back the loan in equal monthly installments. In most cases, no or only a very small down payment is made with a balloon loan. At the end of the contract term, there is a remaining amount that corresponds to the residual value of the car. The car buyer is therefore required to pay for a final installation. Balloon financing is therefore also known as a car loan with a final installation. The big advantage is the relatively low monthly installations. However, a remaining amount must be paid at the end of the contract term.

3-way financing

With 3-way financing, you have various options at the end of the loan term. The first option is to pay a final installment, as described under „balloon financing“. The second option is to return the vehicle to the dealer to pay off the remaining debt. The third and final option for continuing to finance the car is follow-up financing. 3-way financing is therefore particularly suitable if you are not yet sure whether you want to keep the vehicle at the end or not.

Reasons for smava

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

What our customers say

Over 300,000 satisfied customers since 2007

Refinancing various loans

Cash discount

If you take out dealer-independent car financing , you not only benefit from good conditions. You can use the loan amount to pay for your dream car straight away at the dealer and benefit from a cash discount. This is often between 10 and 20 percent.

Car loan at top interest rates

With a dealer-independent car loan, you often get better conditions. Another big advantage is that you can compare different car financing options in advance. This way, you can find an offer that suits your requirements and offers favorable interest rates.

Take out a car loan at home

The entire process from comparing different loan offers to taking out the loan can be done online. This means you don’t have to visit a bank branch. Instead, after completing the online application, you will receive an overview of different offers for a car loan. This way, you can compare without obligation and take out the right offer from the comfort of your own home.

Earmarking enables low interest rates

By specifying a purpose, you can benefit from low interest rates on your car loan. The bank can register the vehicle as security and sell it if you default on payment. The proceeds can then be used to pay off the outstanding loan costs . This is why the terms for a car loan are more favorable than for a loan without a specific purpose.
Geprüft von smava Content TeamGeprüft vonsmava Content TeamEditor

Das smava Content-Team besteht aus erfahrenen und kompetenten Fachleuten, die gewissenhaft und mit Bedacht Artikel auf smava.de vor ihrer Veröffentlichung inspizieren und gegenprüfen.

Kontakt: content@smava.de

Stefanie Wilheim: Kreditberaterin und Autorin bei smavaGeschrieben von Stefanie WillheimStefanie Wilheim: Kreditberaterin und Autorin bei smavaGeschrieben vonStefanie WillheimKreditberaterin

Seit 2021 unterstützt die geprüfte Versicherungs- und Finanzanlagenfachfrau Stefanie Willheim smava-Kunden bei der Kreditaufnahme. Mit ihrem Blick fürs Detail ist sie eine geschätzte Ansprechpartnerin für die Ratenoptimierung der Kunden. Mit Einfühlungsvermögen und Fachwissen gleichermaßen weiß sie auf jede Kundenfrage die richtige Antwort. Als gefragte Autorin teilt sie ihr Wissen rund um das Thema Ratenkredit gerne mit den Besuchern der smava-Website.

Kontakt: content@smava.de

Frequently asked questions about car loans

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Our banks and partners usually only grant car loans for amounts starting at 1,000 euros. The maximum amount for car loans via our loan comparison is often 50,000 euros – some lenders also offer higher amounts.

Maximum 48 hours. You will receive your personal loan offers within a very short time. The review of your loan application documents only takes a few working days

Maximum 48 hours. You will receive your personal loan offers within a very short time. The review of your loan application documents only takes a few working days.

The loan request with smava is free of charge.

As a rule, you will be asked for bank statements, proof of salary, self-disclosure and a copy of your ID card. If further documents are required, this will be noted in the respective loan offer.

Other loan types from smava

smava offers many different types of loans. Whether for a car, debt consolidation or your business – there are cheap loans for every purpose. In addition, our loan offer is aimed at different groups of people. Whether employees, pensioners or trainees – use our loan comparison to find the right loan. Didn’t find what you were looking for on this page? Then you might be interested in:

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